vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt.

Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days.

If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request your assistance in resolving a matter regarding incorrect accounts listed on my credit report. I have previously filed a dispute with the credit bureaus, but the following accounts remain on my report despite my claim that they do not belong to me : XXXX XXXX XXXX Account Type : Auto Lease Reported : XX/XX/XXXX Balance : {$45000.00} Past Due : {$45000.00} XXXX XXXX  Account Type : Credit Card Reported : XX/XX/XXXX XXXX XXXX XXXX Account Type : Debt Buyer Account Reported : XX/XX/XXXX Balance : {$990.00} Past Due : {$990.00} Additionally, I have identified the following inquiries related to these accounts that I believe are inaccurately associated with my name : XXXX Date of Inquiry : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Limit : {$700.00} Past Due : {$980.00} Despite my dispute, these accounts and inquiries continue to appear on my credit report. I am requesting that these accounts be investigated and removed from my credit file, as they do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable, and I ask that these accounts be removed from my credit report as they fail to meet these requirements.

Further, the continued reporting of these accounts despite my dispute may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the reporting of erroneous information by debt collectors. Given the lack of resolution from the credit bureaus, I am requesting your intervention in ensuring that these inaccuracies are corrected promptly.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure the removal of these incorrect accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have wrong information on my credit report. I asked for it to be removed but Experian said its correct. I asked for they to explain and show how they validated the debt with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
I had 4 authorized transactions done on my account XX/XX/XXXX. At one point I received a fraud alert via text message seeing if I was the one attempting such transactions. I immediately called into Chime and told them these 4 transactions of {$1000.00}, {$1500.00}, {$1400.00}, {$1000.00} totaling {$4900.00} were not of my doing. They worked with me to block the merchant XXXX XXXX, cancel my debit card, and issue me a new one. I was then told I could not file a dispute until the charges posted to my account. On XX/XX/XXXX, one charge for {$1000.00} posted to my account. I called in shared information of me reaching out to the merchant and having them investigate too. The dispute was opened and I received a temporary credit for {$1000.00} on the XXXX while the investigation was ongoing. 

The other 3 transactions totaling {$3900.00} posted on the XXXX. I immediately called in when I noticed this and got a second came opened up. I called 24 hours after opening the claim to check if I would be receiving temporary credit for the charges on this one as well being that both disputes were very similar and with the same merchant. I was told that the dispute was eligible for credit and I will most likely receive it very soon before the XX/XX/XXXX ( 10 business day deadline ). 3 hours after my call with Chime customer support I received an email stating my dispute was denied and that no error occurred. I called in multiple times trying to speak to a manager and have gotten nowhere.

{$3900.00} of my hard earned year end bonus gone and I couldnt stop it. I receive a fraud alert call in immediately and they deny my claim? I need help getting this money back. This is not right what Chime did to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
I am filing this complaint againsXXXX XXXX XXXX XXXX XXXX regarding their refusal to adjust my escrow account and issue a refund for over-collected property taxes, despite my eligibility for a full property tax exemption as a 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran in Illinois. 

Issue Details : 1. XXXX XXXX was aware of my VA XXXX rating at the time of loan approval and knew I qualified for a full property tax exemption under Illinois law. However, they have continued to collect {$1100.00} per month in escrow for property taxes, even though I do not owe them.

2. The city has confirmed that I only owed property taxes for one month, yet XXXX XXXX refuses to stop escrow collections until XX/XX/year>, resulting in a total overpayment of approximately {$12000.00}. 

3. XXXX XXXX has failed to take reasonable steps to verify my exemption, such as contacting the local tax authority directly. Instead, they have placed the burden on me to prove my tax exemption, despite already having my VA rating and knowledge of state laws.

4. Due to this unnecessary escrow charge, I have had to rely on credit cards to cover my expenses, creating financial hardship.

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting late payments on my mortgage account and credit card account with XXXX XXXX XXXX XXXX my mortgage havent been late or my credit card payment I reached out to equifax numerous if time to correct it or move that account from credit report. I have reached out to out to the Leander they said they didnt report that information. In collections I have a problem they remove from credit report and put it back on I dont have any collections they reported I ask them to remove all collections they report with then 10 days because I ask for signature that I made these collections havent got anything from equfax about information that those or my collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This serves as a formal demand for the immediate removal of the fraudulent account listed under XXXX XXXX from my credit report. This account was fraudulently opened and is not authorized by me. Under federal law, you are required to remove any inaccurate or unverifiable information from my credit report.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my rights as a consumer to demand the deletion of this fraudulent account. Under 15 U.S.C. 1681s-2, data furnishers are prohibited from reporting inaccurate information, and credit bureaus are obligated to correct or remove false data. Failure to comply with these legal obligations is a direct violation of federal law and may result in legal action against all responsible parties.

Additionally, under 15 U.S.C. 1681n and 1681o, I reserve my right to pursue legal remedies, including statutory damages, punitive damages, and attorney fees, should you fail to comply with this demand. I expect written confirmation of the removal of this account from my credit report within the legally required timeframe.

I have enclosed a copy of my identification, social security card and a copy of my credit report highlighting the fraudulent account for reference.

I expect written confirmation of this deletion. Failure to act will result in further legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the CFPB complaint filed XXXX, I requested the details of all charges/purchases that was allegedly made on account that be provided in detail.

I requested that each transaction be identified with the merchant/company that processed payment along with each purchased amount total and dates of each transaction.

The response that I received from Equifax Is a clear indication of negligence to properly review the complaint and provide the specific information required.

Equifax responded that the account has been confirmed that it belongs to me, when that wasnt my request for information. I know the account belongs to me. I need to confirm that the information being provided is legit by going into the detailed statements made by XXXX XXXX about their being up paid charges to the account.

They never provided me the details of these charges and the total amount for each charge before the account was closed on XX/XX/year>. 

AGAIN IM ASKING FOR THE CHANGE DETAILS OF THE ACCOUNT. WITH EACH TRANSACTION TOTAL AND COMPANY NAMES WITH DATES OF EACH PURCHASE MADE If this information cant be provided, that means the fees are at question to not be valid IM NOT REQUESTING VALIDATION IF THE ACCOUNT BELONGS TO ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX XXXX Navy FCU Inquires showed up on my credit Report that I didnt not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am owed a student loan refund from Mohela. It has been over 90 days which is what they stated the time frame would be in the letter I received. I keep getting emails from Mohela stating that they first have to verify my physical address. When I go on their website there is nowhere to verify address. I have mailed them back 2 letters specifically to verify my address... I still keep getting emails. I have tried to call them numerous times and each time the wait/hold time is SEVERAL HOURS. I have stayed on hold for the duration, only to be disconnected by their representatives. I requested several call-backs through their automated system and never have I received a call back. This is unacceptable business and shady to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
The company name is cash app I done had the app for 5 years or longer started using it and all of a sudden my features had been locked when I was trying to use the cash app card with XXXX it kept asking me to verify and it kept refunding the money back to the card during a purchase and then they locked my card only thing I can use is someone sending money in and me sending it out but far as trying to make a payment or anything I contacted customer service and they said my features had been disable due to fraud just to secure the account and I never use the card in a fraudulent way I always use cash app and I just want to be reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Inquires showed up on my credit Report that I didnt not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I observed my credit reports and I found inaccuracies in the following accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  NA Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number xxxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my TransUnion credit report, and I noticed that there where some late payments. This is a clear violation of the law 15 U.S.C. 1681a2a1, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wheh a creditor is report a account as late, they are reporting the experians between the consumer and the creditor. The transaction, the payment history comes from a transaction. There can not be a payment history without any transactions. NO TRANSACTION NO PAYMENT HISTORY, NO PAYMENT HISTORY NO TRANSACTION. It is impossible to have a payment history without transactions. If there is no transaction how can a creditor report a payment as late! Where the transaction and the experiences are between the consumer and the person making the report is excluded from the consumer report. They are reporting information that is excluded from the consumer report. This is considered fraud and very illegal.15 usc 1666b, there is only 1 time that a creditor my treat a payment as late under 1 condition and 1 condition only. 15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, and the creditor report agency must have proof of this. This is law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief