vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : American University of XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX University School of Medicine The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 
We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal 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 2025-01-29 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: NJ

Complaint narrative:
I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.

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 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
Professional credit for medical collection for {$1800.00} is on my credit report, lowering my credit score and thus affecting mortgage applications. They have called daily since XXXX. 
XXXX XXXX  also XXXX XXXX affecting my credit score. Unsure what medical bill that is at this point. With the new law since XXXX XXXX, XXXX bans the inclusion of medical bills on credit reports used by lenders, but there mine is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute the inaccurate information reported on my credit file. Specifically, I have identified errors that remain on my credit report despite previous attempts to resolve these discrepancies. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for allegedly conducting sham investigations into consumer credit report disputes, as reported in the news release titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ( see : [ XXXX : XXXX ] ( https : XXXXXXXX XXXX XXXX The allegations state that Experians investigations into disputes were not thorough and failed to correct inaccuracies that affect consumers credit profiles. 

I have experienced a similar situation with my own credit report. Despite filing prior disputes with your agency, the inaccurate information remains uncorrected. As this issue is ongoing, I request that you review the disputed entries more thoroughly and ensure that all information reported to your bureau is accurate and up to date. According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. 

Please review my file and make the necessary corrections to the inaccurate entries. 

If these inaccuracies are not addressed and corrected promptly, I will have no choice but to escalate this issue to the CFPB and other relevant authorities for further investigation and assistance. 

I expect to receive confirmation that these discrepancies have been reviewed and rectified within 30 days, in accordance with federal law. Failure to do so will leave me with no choice but to consider all available legal remedies, including further formal complaints. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$1300.00} XXXX XXXX  - XXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo is the bank I use for checking account. They applied an overdraft fee on a charge when there was money in the account pluss money deposited in addition. On three consecutive days there was an ending positive balance for items to clear, even after they applied a {$35.00} overdraft fee on the second day. 

They will not return the overdraft fee, even though the money in the account covered the items, which they say was overdrawn with a positive balance. The account was not overdrawn after the transaction was drafted and the days after they applied the fee. The account still had a positive balance after they applied the fee. They will not honor my request for fee refund and only say the allow one fee return a year for banking errors.

Banking errors in general should never have a cap of one a year to begin with, it the banking system error!!

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX Someone hacked my cashapp and transferred about XXXX through bitcoin, So I am submitting a claim to the Cash App settlement as a result of unauthorized access to my account between XX/XX/XXXX, and XX/XX/XXXX, which led to fraudulent transactions and financial losses. I am requesting compensation for the documented losses incurred during this period, including unauthorized withdrawals and transfers, as outlined in the attached documentation, which includes transaction details and relevant communications with Cash App customer support. Pursuant to the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Act ( CFPA ), I am hereby submitting a claim for unauthorized transactions that occurred within my Cash App account, resulting in financial losses due to unauthorized access and fraudulent transfers. I am requesting compensation for these losses as part of the Cash App class action settlement, as I was a victim of unauthorized account activity that violated my rights under both the EFTA and CFPA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: SC

Complaint narrative:
The Bureaus ( Collection Agency ) is attempting to collect a debt on behalf of XXXX XXXX that I have no recollection of. I have made numerous attempts to reach them to validate this debt and have received no response or correspondence. Please remove from XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
Every time I think about my credit score, it feels unfair knowing its lower because of accounts I had nothing to do with.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was charged interest on XX/XX/XXXX for {$29.00} and XX/XX/XXXX for {$35.00} for an outstanding statement balance. Payments were initiated on the AMEX app on the due date to pay the statement balance in full and the payment was coming from an AMEX checking account. I called them and explained the situation and was told that the payment was processed a day after it was initiated and that is why I was charged interest. My issue is why is it taking them a full day to process the payment when they already have the funds in a checking account with them. No other bank does that. I have XXXX and XXXX XXXX XXXXXXXX cards and I have never had this issue with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXX Report # XXXX. The dispute was denied, and the information now being reported on my credit report is incorrect. The date of the last reported payment is XX/XX/XXXX according to Experian. The card was opened with the original creditor on XX/XX/XXXX as reported on my credit file by Experian. The debt was sold to XXXX XXXX XXXX. 

I received the results of my dispute with Experian on XX/XX/XXXX which stated the debt collection account would not be removed and was correct as being reported. 

I complaint today to the CFBP is my credit report was updated to statethe about debt would I be removed until XXXX!!!!!!!!! NO WAY ... this should be removed after years of being reported and I would like for my credit file to be update with the correct expected removal date so I may monitor its removal. I would also like a debt validation mailed the as I believed this account was opened prior to XXXX. The should not be a case where the debt collector or the credit report agency is " RESETTING THE CLOCK '' as a result of me reaching to inquire about the accuracy of my credit file. This a is a complaint against Experian and XXXX XXXX XXXX. 

Original Debt Company : XXXXXXXX XXXX XXXX Sold to : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I am filing a formal complaint against XXXX for preventing me from transferring my funds to my bank account and for continuously delaying the resolution of my account restriction without providing any clear explanation. 

Despite multiple attempts to contact their customer service, I have only received vague responses or no meaningful assistance. My account remains restricted without justification, and I can not access my money. This lack of transparency and failure to provide proper customer support is highly concerning. 

I request the CFPB to investigate this matter and ensure that XXXX resolves my issue promptly by allowing me to access and transfer my funds. Their practices are unfair and may be negatively impacting other users as well. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violates the Customer 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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received court order as to being sued by 3rd party no information to confirm identity 2024 emailed attorneys office stating i was unaware of debt, very little english XXXX bank account along with my children 's accounts frozen money was taken and placed on hold have been repeatedly calling since then. 
reached out to MCM for more information was told to contact another party have been unsuccessful. 


I am struggling XXXX XXXX XXXX  direct deposit have been frozen XXXX XXXX i need to pay mortage and other bills unable to be able to provide for my XXXX XXXX  and other home expenses needed.

Company response to consumer: Closed with explanation