vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate 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 2025-01-21 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 have disputed accounts that I have filed complaints with through the CFPB several times and would immediately get a response that no change will be made to the mistakes and never fixed any issues on my credit report and I have inquiries that I have no knowledge of that need to be removed

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 2025-01-21 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: GA

Complaint narrative:
I have disputed accounts that I have filed complaints with through the CFPB several times and would immediately get a response that no change will be made to the mistakes and never fixed any issues on my credit report and I have inquiries that I have no knowledge of that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I am writing to formally request the removal of several hard inquiries on my credit report that resulted from the XXXXXXXX XXXX XXXX XXXX XXXX where my social security number was found. The hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After reviewing my credit report, I noticed multiple hard inquiries that I did not authorize or initiate, and I believe they are directly linked to the breach. I would like to clarify that I am not associated with these inquiries in anyway, nor did I consent to them, Given the circumstances surrounding the breach, I respectfully request that these inquiries be removed from my credit report as they are inaccurate and unfairly impact my credit score. 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 2025-01-21 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: CA

Complaint narrative:
I am writing to formally request the removal of several hard inquiries on my credit report that resulted from the XXXX data breach in XXXX  where my social security number was found. The hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After reviewing my credit report, I noticed multiple hard inquiries that I did not authorize or initiate, and I believe they are directly linked to the breach. I would like to clarify that I am not associated with these inquiries in anyway, nor did I consent to them, Given the circumstances surrounding the breach, I respectfully request that these inquiries be removed from my credit report as they are inaccurate and unfairly impact my credit score. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( Mountain America Credit Union ) has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy, 15 USC 1681 SECTION 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions, now under 15 USCS 1666 B a creditor may not treat a payment on account under an open consumer credit plan as late for any purpose. 

I am filing this complaint regarding an inaccurate item on my credit report that continues to impact my credit negatively. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

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 2025-01-21 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: GA

Complaint narrative:
Under 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) these accounts in violation of not reporting 100 % accurate. 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days!

It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-01-21 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Subject : Request for Debt Validation Pursuant to 15 USC 1692g Dear Westlake Financial, I am writing regarding a debt you have claimed I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for clarification and verification of the alleged debt.

To properly validate this debt, I request the following information : A detailed list of the history of payments made by me on this account, including dates and amounts.

A copy of the original signed contract or agreement that indicates I agreed to be liable for this debt.

Documentation showing whether any insurance claim has been filed on this debt, as well as any payments received related to such a claim.

Proof of your chain of title and legal authority to collect on this debt, demonstrating that you are the rightful owner or have been assigned the rights to collect.

Additionally, I am requesting that all further communication regarding this matter be in writing and sent to the address listed above. You are also instructed to cease and desist all phone communication in accordance with my rights under the FDCPA.

Please note that I expect this information to be provided within 30 days of receiving this letter. Failure to comply will result in my assumption that this debt is invalid, and I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the state attorney generals office for any continued collection attempts.

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

Sincerely, Account ending in XXXX Requested debt Validation on several occasions via email and requested via phone. Agent refused to speak to me unless I give them all information I'm requesting of them to provide to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
My ex spouse forwarded a message left for her, about a court case I failed to appear to that does not exist. I have one current debt for around {$600.00} that the hospital charged off after receiving over {$280000.00}. I was making monthly payments to the hospital online because I am XXXX and unable to make the payment in full. Payments stopped because the hospital changed systems and I was unable to log in to their new system and spent hours on hold, waiting for a representative. The hospital 's billing department did not return my call after I left my number for a call back on multiple occasions. I did not have access to the patient account number and never received any notification from the hospital that the debt was being sent to collections. 
For this company to call others about a debt and not contact me about this matter ( fake court case ) seems to be harassment. The number they left is XXXX and I believe it is from XXXXrris & Harris Limited or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
In XXXX, I was using automatic payments through the Bilt credit card and app to pay my rent. In XXXX of XXXX  my automatic payment turned off ( still unclear how this happened ) and I missed XXXX 's rent of {$1900.00}. Because of this dispute and on the advice of a Bilt customer service agent, I have still not yet paid rent for XX/XX/year> as I was instructed to resolve the XXXX invoice before address my XX/XX/year> rent. 

On XX/XX/XXXX I paid Bilt {$1900.00} for XXXX 's rent directly through the app and not through automatic payment. However, Bilt continues to dispute that I paid my XX/XX/year> rent and sent my account to collections. I have sent Bilt proof of the XX/XX/XXXX payment in multiple ways, emailing and mailing them my XXXX XXXX XXXX  statement and a letter directly from XXXX XXXX saying that the payment of {$1900.00} made XX/XX/XXXX of XXXX  was paid electronically from XXXX XXXX directly to Bilt. I have also provided a transaction ID number that was given to me by a Personal Banker at XXXX XXXX. Nonetheless, Bilt has continued to ask me to pay XXXX rent. 

For over a year and a half, I have tried to get Bilt to reverse what they said I owed for XX/XX/year> 's rent so that I could just take care of XXXX 's rent. I was told by a XXXX customer service representative to get XXXX 's rent reversed before paying XX/XX/year> rent. At this point, the XXXX issue has still not been resolved and therefore I have still not paid XX/XX/year> rent. After multiple phone calls and emails, it is clear that Bilt does NOT have sufficient customer support infrastructure to resolve this issue. Despite my repeatedly providing documentation regarding the XX/XX/year> payment, Bilt has refused to acknowledge the payment and sent my account to collections. This action is unfairly and unjustly affecting my otherwise excellent credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
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 : 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX 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 six 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 26 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 : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. 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, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicates that Zelle has not only neglected to protect consumers but has 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Banks are allowing my accounts to exceedingly overdraft in the thousands while already being negative. They are also charging charge back fees to my account for allowing the payments to go through and then returning them. Just non stop negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
XXXX XXXX TransUnion Subject : Request for Removal of Fraudulent Inquiries from My Credit Report Dear TranUnion, I am writing to formally request the removal of fraudulent inquiries from my credit report. I recently reviewed my credit report and identified inquiries that I did not authorize. These inquiries are the result of fraudulent activity, and I would like them to be removed immediately to ensure the accuracy of my credit report. 

The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccuracies on my credit report. I kindly request that you investigate these inquiries and remove them as they are not authorized by me. 

Please confirm in writing when the fraudulent inquiries have been removed or if you require additional information to proceed with the investigation. You can reach me at XXXX if needed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution. 

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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