vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: World Acceptance Corporation
State: CO

Complaint narrative:
On XX/XX/year>, I noticed a XXXX drop in my credit score. I contacted World Acceptance Corporation, provided my SSN and full name, and discovered that another individuals name was linked to my SSN. The representative, XXXX, refused to disclose the name but stated I would receive an email with a form to complete that I did not receive. On XX/XX/year>, I contacted XXXX XXXX reported I had not taken out a loan, and was told my SSN pulled up as XXXX due to a number mix-up. They assured me it would be resolved in 710 days and advised against reporting it to the police.I called World Acceptance Corporation again and spoke with XXXX, who requested my full name and address. He stated they couldnt verify the borrower and that I must first file a police report. When I mentioned XXXX, he declined further details, explaining that borrowers must verify their identity in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally demand the immediate deletion of the following account from my credit report due to its inaccurate and improper reporting : Creditor : XXXX XXXX, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date Placed for Collection : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed in writing that they returned this account to XXXX XXXX, XXXX on XX/XX/XXXX. Furthermore, they have stated : " If any adverse information has been reported to the credit reporting agencies, we will request it be removed with our next update. '' Given this statement, there is no legal basis for this account to remain on my credit report. I demand that this account and any associated derogatory marks be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please conduct an immediate investigation and confirm the permanent deletion of this account in writing. Should this matter not be resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take any other necessary legal action to protect my rights. 

Thank you for your prompt attention to this matter. I expect confirmation of the deletion within 30 days, as required by 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
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
i had a personal loan of {$16000.00} with XXXXXXXX XXXX XXXX. the payment was set up with my bank, the Bank if Hawaii, for payment on the XXXX of each month. i have a social security payment on the XXXX of the month, but i was charged a {$30.00} overdraft fee every month. the final paymnet was not automatic and i have not been able to pay it, and now it is in recovery. i called to let them know i am filing a complaint with you and want Bank of Hawaii to refund me the {$360.00} overdraft fees for five years. my credit rating has plummeted and i had a score of XXXX now XXXX. 
thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
There are multiple inquiries tied to your company on my credit report that I did not approve.

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 2025-02-08 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
There are multiple inquiries tied to your company on my credit report that I did not approve.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I established autopay on my account with FNBO on XX/XX/year>, assuming that my payment would be processed on the next due date of XX/XX/year>. On XX/XX/XXXX, I received my new statement and saw that my limit had been decreased from {$5000.00} to {$3400.00} ( {$200.00} about my current balance ) and I had been assessed a late fee. 

This is going to damage my credit and shouldn't have happened. Their autopay system appears faulty but to the company 's benefit! I usually pay this card off every quarter or so and use it frequently.

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 monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
due to careful analytics investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Cashaps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. I was unable to reach an agent or speak to a real person when I did get someone on the phone. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I am worried that my information may have been stolen or used for purposes without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent this email to : XXXX and also to : XXXX I have not received my Equifax Settlement Paycard. I have called XXXX on these dates plus note that I have all recordings on my phone XX/XX/XXXX - XXXX said they would have a supervisor call me and ( no one called ) Time spent on call 1 hour and 11 mins XX/XX/XXXX - XXXX said to call at the end of XXXX, said distribution was still happening Time spent on call 46 mins XX/XX/XXXX - XXXX  XXXX said they were going to escalate Time spent on the call 25 mins XX/XX/XXXX - XXXX said they were going to escalate again and have someone call me ( no one did ) Time spent on call 1 hour 6 mins XX/XX/XXXX - Called the XXXX MyPrepaidCard number and they said no prepaid card has been sent out to me Time spent on call 29 mins XX/XX/XXXX - XXXX said she was going to have a Supervisor call me ( no one did ) Time spent on call 31 mins XX/XX/XXXX - XXXX said they didn't have an answer for me so call the CFPB XXXX ( And to file a complaint against Equifax ) Time spent on call 44 mins XX/XX/XXXX - XXXX is going to escalate again. Said ALL Supervisors are busy on the phone. Was going to put my call ahead of the line and this was @ XXXX Eastern Time spent on call 31 mins Please respond to this email ASAP Note : I will be filing a complaint to the CFPB if I don't hear from you in a timely manner. I have waited long enough! 

They responded with the following email but have not heard anything from them since : Your Email to the Equifax Breach Administrator Ticket # XXXX Equifax Settlement paycard emails Equifax Information XXXX via unknown Tue, XX/XX/XXXX, XXXX to pidatoo -- REPLY above this line to respond -- Thank you for contacting the Equifax Data Breach Settlement Administrator. 

If you are a Class Member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. The deadline to file an Extended Claims Period claim for Out-of-Pocket Losses or Time Spent that occurred between XX/XX/XXXX, and XX/XX/XXXX, passed on XX/XX/XXXX. 

Due to the status of the Settlement, we are no longer able to reissue Initial Claims Period claim payments. 

If you received an email regarding an additional pro rata payment, your pro rata payment will be issued during the week specified in the email notification you received from XXXX. Please check your spam or junk folders. 

If you need to update your mailing address, please provide your full name, both your current and previous mailing address, complete with any apartment number, city, state, and zip code for both addresses. 

Your ticket number is XXXX. Please reference this in further communications. In the meantime, please see our Frequently Asked Questions, located aXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CO

Complaint narrative:
My personal and financial information was compromised without my authorization via XXXX XXXX access to the Department of Education . The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. 


This breach is a clear violation of FERPA And your responsibility to safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
Left apartment into new home in XXXX of 2024. I received a move out checklist signed by manager. Returned all keys, etc and no additional rent due. Now this company, IQ Data International Inc, send me a collection for {$700.00} with no explanation except listing the creditor is allegedly my former landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2025-02-08 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: NJ

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly review my report, but this time, I found unexpected discrepancies. I even tried refreshing my browser, hoping it was a technical issue, but the errors remained. Because of this, I am requesting a thorough review of the documents I have submitted so that I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX  XXXX Bankruptcy - XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea why it's there. I checked my report as usual, but this time, I saw unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This is extremely frustrating, and I need this resolved immediately. Please review the documents Ive submitted thoroughly so I can stop worrying about this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : 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} DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated effortssubmitting disputes , providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate 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 non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax and Experian 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. 


These are fraudulent, inaccurate, and false information consists of a personal credit card account opened at 1. TXXXX 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 accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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