vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I consolidate federal student loans to AIDVANTAGE, completed in XXXX. I applied for the XXXX loan plan and was placed in a 60-day ADMINISTRATIVE forbearance. At the end of 60 days I was supposed to be placed in a GENERAL forbearance. This is what I was told by supervisors at AIDVANTAGE and is on the Dept. of Education website ( below ). AIDVANTAGE did not place me in General forbearance they erroneously placed me into repayment and added interest to my account. They must remove this interest. 

I called once in XXXX, 3 times in XXXX and spoke to 3 separate supervisors. 

FROM XXXX XXXX________ If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance does provide IDR credit and PSLF credit XXXX with certified employment ). If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in the XXXX forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I sent a payment electronically through Zelle but never received a refund despite multiple attempts to resolve the issue. The amount in question was {$850.00}, and the payment was intended for XXXX XXXX. 

Upon realizing the issue, I contacted both my bank and Zelle to dispute the transaction. I provided documentation, including the payment confirmation and communication with the recipient. Despite following the dispute process and submitting the required information, no refund was issued. 

I would appreciate assistance in reviewing this case and processing the appropriate refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report . 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX 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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Onemain financial sold my debt to XXXX XXXX, they sued me and I paid them. Now onemain financial is suing me for the same debt and a random amount. I never received any notification on the court dates either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AZ

Complaint narrative:
XXXX XXXX, 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 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 ( FTC NUMBER ) 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
In 2022 I paid {$370.00} for a XXXX for XXXX XXXX XXXX. This Chef advertised as if he lived in XXXX however he was a traveling Chef and actually lived in Illinois. Within hours of me discovering this I immediately canceled and requested a refund which was apart of his policy. He immediately blocked me from contacting him through telephone and social media. I contacted the Illinois Attorney General XXXX in which they tried to contact him, I have a letter from their office with their attempts. I contacted CashApp as well to try to get my money back but never recieved a response or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
XXXX and Equifax 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 XXXX and Equifax, 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 XXXX and Equifax 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 XXXX and Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Back in 2021, I " leased '' furniture with Acima under the assumption that this was a lease. I fell behind on a few payments and was told that i could not return the furniture and was hit unexpectedly with a large payment. For what was originally an ~ {$700.00} set I paid a total of {$1400.00}. at the end of 90 days. 

I also took out another " lease '' and completed the payment of {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card and i got a message from Chase that they could not see a phone number in my extended fraud alert. On the morning of XX/XX/XXXX I called XXXX and updated my phone number in my account, they confirmed the update in their system is instantaneous. 

They keep claiming that my XXXX Fraud Alert doesnt have a phone number. They asked me to stop by a branch to confirm my details as an alternative, which i did on XX/XX/XXXX. During my visit they confirmed my identity and informed me that i didnt need to do anything else with my application. Then, on XX/XX/XXXX I get another message saying they are still missing my phone number in my XXXX Fraud Alert. I called the customer service number twice and I asked to speak with a supervisor more than XXXX times and the option to file a complaint, both times they refused to direct my call to a supervisor and whenever i asked for a reference number for the complaint, they kept giving me the reference number of the application, which is XXXX. 

This is beyond insulting that they can treat customers like that without any response or help, I dont care about the result of the application now, they should not be allowed to treat customer like that and gaslight and dismiss all our concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-30 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Dispute of Civil Liability for Negligence Reference to Section 16810 I hope this letter finds you well. I am writing to formally dispute the claim of civil liability for negligence.

As per Section 16810, I understand the criteria for civil liability in cases of negligence, and I firmly believe that the circumstances surrounding the event do not meet these criteria. 


Given the facts of the situation, I respectfully request that this claim be reviewed thoroughly and dismissed based on the outlined reasoning. If necessary, I am willing to provide further documentation or clarification to support my position. 


Thank you for your attention to 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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/year> I went to a Truist Bank branch in XXXX XXXX  to Open a Checking account. I deposited a check for {$250.00} and cash for {$160.00}. also, a direct deposit of {$200.00} was made on XX/XX/XXXX from XXXX XXXX XXXX XXXX On XX/XX/year> I attempted to log in from my phone to check my balance but the system states that my account has been restricted. when I contacted Truist Bank they gave me a number to the consumer credit agency. I spoke to the agency, and they told me Your issue is with The bank, not us. I contacted the branch where I opened my account and they informed me that the account will be closed on the second of XXXX without giving me the reason and no clear guidance on when I get my fund.

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 2025-01-30 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 in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) by failing to report accurate and consistent information across all three credit bureaus. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, Equifax continues to inaccurately report XXXX XXXX XXXX on my credit report, even though it has been removed by the other XXXX bureaus. I am demanding the immediate removal of XXXX XXXX XXXX from my Equifax credit report to ensure compliance with the FCRA and maintain accurate reporting across all bureaus. If this is not corrected, I will escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I requested that XXXX, TransUnion, and XXXX to remove unmailable addresses and unreachable phone numbers and improper names off my consumer credit report that was not done. There should only be XXXX name XXXX mailable address and XXXX phone number and employment on file. 
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, I am formally requesting the removal of all unmailable addresses and personal names from my credit report. Additionally, I am invoking my rights under applicable Code of Federal Regulations ( CFR ) provisions to ensure that my private information is not improperly retained or disseminated.

According to 39 CFR 111.5 and 39 U.S.C. 3001, unmailable addresses should not be maintained in records that affect consumer reporting. Please ensure the immediate deletion of any such entries from my credit file.

Under the Privacy Act of 1974 ( 5 U.S.C. 552a ( e ) ( 7 ) ), federal agencies and entities handling personal data must ensure the accuracy, relevance, timeliness, and completeness of records. The maintenance of outdated or incorrect addresses constitutes a violation of these principles.

16 CFR Part 601 mandates credit reporting agencies to take reasonable steps to ensure consumer reports are accurate and up to date. Failure to do so exposes the agency to potential civil liabilities.

As per 15 U.S.C. 1681c, obsolete information must be excluded from consumer reports. Any name variations or incorrect names should be immediately deleted to prevent inaccuracies and fraudulent misuse.

The Fair and Accurate Credit Transactions Act ( FACTA ), which amen
ds the FCRA, grants consumers the right to request the removal of incomplete or incorrect personal data ( 15 U.S.C. 1681i ( a ) ).

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I requested that XXXX, XXXX, and Equifax to remove unmailable addresses and unreachable phone numbers and improper names off my consumer credit report that was not done. There should only be XXXX name XXXX mailable address and XXXX phone number and employment on file. 
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, I am formally requesting the removal of all unmailable addresses and personal names from my credit report. Additionally, I am invoking my rights under applicable Code of Federal Regulations ( CFR ) provisions to ensure that my private information is not improperly retained or disseminated.

According to 39 CFR 111.5 and 39 U.S.C. 3001, unmailable addresses should not be maintained in records that affect consumer reporting. Please ensure the immediate deletion of any such entries from my credit file.

Under the Privacy Act of 1974 ( 5 U.S.C. 552a ( e ) ( 7 ) ), federal agencies and entities handling personal data must ensure the accuracy, relevance, timeliness, and completeness of records. The maintenance of outdated or incorrect addresses constitutes a violation of these principles.

16 CFR Part 601 mandates credit reporting agencies to take reasonable steps to ensure consumer reports are accurate and up to date. Failure to do so exposes the agency to potential civil liabilities.

As per 15 U.S.C. 1681c, obsolete information must be excluded from consumer reports. Any name variations or incorrect names should be immediately deleted to prevent inaccuracies and fraudulent misuse.

The Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, grants consumers the right to request the removal of incomplete or incorrect personal data ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-30 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 

Here are the accounts that Ive marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviews a copy of my credit report and there was fraudulent activity. Please remove this account from my report its hurting my ability to obtain credit.

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