vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I have made two payments on my new mortgage with Mr. Cooper. Acct : XXXX and attempted to correct erroneous collection of property tax escrow. RESPA requires actual amount but the amount is double the actual property tax obligation. They refuse to adjust even though I have the actual XXXX XXXX Indiana property tax statement. I understand that if I provide the actual statement they are required to adjust my escrow payment which is included in my total mortgage payment. Mr. Cooper as my loan servicer has refused. Please investigate how this violation of RESPA can be enforced.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received the credit card bill from XXXX XXXX XXXX XXXX with the outstanding balance of {$2500.00}. I did not have the card with me since around XX/XX/XXXX, so I was not sure what those charges were for. I was out of the country for 2 months ( visiting my family in XXXX XXXX in XXXX and XXXX ), and we moved to XXXX in XXXX, I did not receive the bills for this period of time. I called the card company customer service line and requested them to clarify the transactions that occurred during I did not have the card in my possession. I also asked to credit back the late fees and interest charges that were charged to my account for that period of time. They asked me for the full card number. I said I don't know the full number because I don't have the card. They said they were going to send me a new card and to my new address. But instead, they sent me a letter stating that there were potential security concerns on my card so they requested me to send them the copy of my drivers license, social security care, and utility bill. So I sent all the documents by email and was waiting for them to clear my account status. On XX/XX/XXXX, I called to follow up, and they said to call back in 30 days. On XX/XX/XXXX, I called back and XXXX, the customer service agent told me that my account was permanently closed. Then she transferred me to account protection team to clarify the reason that my account was closed, and XXXX from that team informed me that my account was closed because the documents that I sent did not meet the requirement. I asked why it did not meet their requirement and he said he does not know. I asked to speak to the supervisor and he transferred me to XXXX. She basically told me the same thing. 
My main complais for this company are ; - My account was closed for no reason : I sent all the documents that they requested and they did not even notify me why they do not meet their requirements. 
- They did not investigate on unrecognized charges - They charged late fees and interest charges for the charges that I am not responsible, totally around {$800.00}. 

I did not want to pay for the balance because I needed to know what the charges are for but they kept charging me late fees and interest charges until this date. So I just paid the total balance today. But I still need to find out if those charges are valid and also need to get waiver for the late fees and interest charges. 

Please help me!! 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 measure to prevent and adress 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: WV

Complaint narrative:
I requested to be removed as an authorized user as it is showing that I am still even though I was removed and then the account owner cancelled the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: HI

Complaint narrative:
XX/XX/year> an installment loan was facilitated by Affirm. A request was made to evidence the merchant XXXX XXXX  made attempts to update on the order. That never happened and AFFIRM is mitigating responsibility to supply requested evidence. The order was assumed forgotten. The dispute keeps being resolved with proof of delivery. Thats not the issue. The order was assumed forgotten without Merchant Response. Without affirm acknowledging and complying with my evidentiary request, this dispute is not considered resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. I looked at my Experian, eQUIFAX AND tRANSUNION credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my police report.

A copy of my consumer financial protection bureau report.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

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 non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
The law is very clear as a to the civil liability and the remedy available tome for negligent noncompliance ( section 617 ) I would like hard Inquiry to be removed and address that's i have not live for yrs. i have complain a lot and also my name is misspell and also it hard for me to get credit cards because of what's on my credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NJ

Complaint narrative:
I hope this message finds you well. I am writing to discuss my student loan account [ insert account number ] and to explain my current situation. 

Due to circumstances beyond my control, I was incarcerated and, as a result, was unable to complete my education. This has significantly impacted my ability to find employment and repay my student loans. I understand the importance of fulfilling my financial obligations, and I am committed to resolving this matter. 

I would like to request consideration for options that may be available to me, such as deferment, forbearance, or any other assistance programs that could help alleviate my financial burden during this difficult time.

I appreciate your understanding and support as I navigate this situation. Please let me know what steps I can take to address my loan and any documentation you may need from me.

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX To : ** XXXX XXXX XXXX XXXX Address : ** XXXX XXXX XXXX, XXXX, VA XXXX **Account Number : ** XXXX **Balance : ** XXXX XXXX XXXXXXXX **Subject : ** Immediate Removal Request Under UCC & FCRA **Dear Compliance Officer, ** I am disputing the validity of the above-referenced account under **UCC 9-210**, **FCRA 1681s-2 ( a ) **, and **Louisiana Revised Statutes XXXX  You are required by law to provide **full validation of this debt**, including : 1. **The original contract bearing my wet-ink signature. XXXX XXXX XXXXA complete accounting ledger showing how this debt was calculatedXXXX XXXX XXXX XXXXProof that this debt was lawfully assigned to you. ** Under **FDCPA 1692g**, if you fail to provide the above, you are required to **immediately cease reporting** this account and delete it from all credit bureaus. XXXX XXXX XXXX XXXXLegal Demand : ** **Delete this account from my credit report within 15 days. ** **Provide documentation proving the legal basis for reporting this debt. ** **Failure to comply will result in a lawsuit under FCRA XXXX UCC XXXX and FDCPA, as well as complaints to the CFPB XXXX FTC XXXX and Louisiana Attorney General. ** **Scripture Reference : ** * '' Deliver me, O Lord, from lying lips and from a deceitful tongue. " * **Psalms 120:2** 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 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
Received a suspicious court notice that I've been served by A-1 collections company and XXXX XXXX XXXX system without any prior communications on XX/XX/year>. A-1 collections hasn't communicated in any way to help rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I never did business with the company BULL CITY FINANCIAL RE : You violated the United S

tates code law 15 US code 1681B permissible purposes of consumer reports ( a ) in general subject of subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on the letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: CT

Complaint narrative:
{$450.00} was the amount I owed to XXXX, almost 7 years ago. XXXX sold it to these debt collectors months after. The company XXXX XXXX JUST NOW reported to my credit that the account was opened XX/XX/XXXX for {$450.00} which is false. The account was opened almost 7 years ago in NEW YORK when I lived with my parents, I took over the account for them. Ive been living in CONNECTICUT since XXXX and have not opened any accounts since living here with my fiance. 

They are trying to collect a debt that is already passed expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
Please removed all fraudulent account in my report they affecting 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
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
On Thursday, XX/XX/year>, I attempted to withdraw {$1500.00} from my personal spending account. Immediately after initiating the transaction, my account was restricted due to what was flagged as unusual activity. 

I contacted customer support to clarify the situation, confirmed that I, the account owner, had made the withdrawal, and offered to provide any necessary documentation to resolve the restriction. However, the agent informed me they had no further information beyond stating that my account was under review and that the process would take XXXX hours. 

At the time the restriction was applied, a notification stated that I would receive an update by XX/XX/year>. However, when I logged in on XX/XX/XXXX, the timeline had been extended to XX/XX/XXXX. On XX/XX/XXXX, it updated to XX/XX/XXXX, and today, XX/XX/XXXX, it now says XX/XX/XXXX. 

I have spoken to XXXX different representatives, but none can explain the reason for the restriction, the cause of the delays, or how to resolve the issue. I was withdrawing this money to pay my rent and am now deeply concerned about the possibility of eviction if I can not access my funds. 

My attempts to seek support have yielded no updates or solutions. It feels as though the institution is unfairly withholding my money with no recourse available. I urgently need help resolving this issue and accessing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
My identity was stolen while I was XX/XX/XXXXfrom XXXX XXXX, until XX/XX/year>. During my XX/XX/XXXXfraudulent accounts, unauthorized inquiries, and false personal information ( addresses and employment history ) were added to my credit report without my consent. 

Since my release, I have disputed these fraudulent accounts multiple times with Experian, Equifax, and TransUnion, providing supporting evidence, including : My FTC Identity Theft Report ( Report # XXXX ) My Release from Prison documentation A copy of my government-issued ID Proof of my correct address Highlighted credit reports showing fraudulent items Despite submitting these disputes, the credit bureaus have failed to properly investigate and remove the fraudulent information, violating Section 605B of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), which requires them to block fraudulent information within four ( 4 ) business days upon receiving an identity theft report.

Additionally, I have discovered that the CFPB is currently suing Experian and Equifax for sham investigations, which aligns with my experiencethese bureaus are refusing to conduct a proper review of my dispute.

How This Has Affected Me 1. My credit score has been negatively impacted, affecting my ability to obtain housing, credit, and financial stability.

2. I have been held accountable for debts I did not create, including collection accounts and charge-offs that I never authorized.

3. My personal information is incorrect on my credit report, listing addresses I have never lived at and an employer I have never worked for ( XXXX XXXXXX/XX/XXXX). 
4. I have spent months trying to resolve this issue with no success, despite following proper legal procedures.

Company response to consumer: Closed with non-monetary relief