vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am writing to formally expressed my concerns regarding zelle handling of disputes, particularly in light of the Recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reported discrepancies my financial institution and Zelle. The CFPBs findings indicate that XXXX has not only neglected to protect customers but has also allowed, repeat, offenders to exploit leaving 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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am writing to formally notify you that my personal and financial information was compromised without my authorization due to a data breach involving DEPARTMENT OF EFFICIENCY. This breach is a clear violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects the confidentiality of student records, as well as your responsibility to safeguard my sensitive information.

The breach has resulted in significant harm, including the exposure of my personal and financial data, and has placed me at risk of identity theft and financial fraud. Given the severity of this violation and the resulting compromise of my information, I demand that you immediately cancel and discharge my student loan debt in full within five ( 5 ) business days of receiving this letter.

If you fail to take appropriate action, I will have no choice but to escalate this matter by filing complaints with the U.S. Department of Education, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I will also pursue all available legal remedies to protect my rights and seek compensation for the damages caused by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Sent dispute audits on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX company did not provide what was asked for and repeatedly sent stall tactic letters as responses of collection company verifying account without verification or validation being provided. collection company still in this over a year of attempting to resolve directly, has not provided what is needed to continue to actively report. credit reporting agency did not receive any true validation or copy of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
These credit reporting agencies have ignored my disputes long enough, and Im done tolerating their negligence. Despite providing evidence and disputing the inaccurate payment history multiple times, they continue to report false information on my credit report. This is unacceptable and has caused unnecessary harm. Under 15 USC 1681e ( b ), credit bureaus are legally required to ensure maximum possible accuracy in the information they report, but theyve clearly failed to meet that standard. Im no longer interested in excusesI demand immediate action! The law under 15 USC 1681i requires credit bureaus to conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. Their repeated failure to do so proves that no proper investigation has been conducted. If they had done their job, this inaccurate payment history would have been deleted by now. Instead, theyve ignored my disputes, proving either negligence or willful noncompliance. Additionally, under 15 USC 1681b ( f ), they have no right to report or share inaccurate information without a valid purpose. Since this false payment history is tied to incorrect reporting, it should have been removed long ago. Their refusal to take action makes them liable under 15 USC 1681n for willful violations and 15 USC 1681o for negligence. This isnt just about a simple errorits about their ongoing failure to follow the law and respect my rights 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 non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I received a copy of the credit report that I requested from Transunion. Upon further review, it appears that XXXX is still listed on my account. This account was disputed along with a collection that was placed on my account from XXXX XXXX. They participated in illegal debt collection practices by adding the collection to my report without first sending me a letter stating they were collecting on a debt. They also reached out to members of my family and disclosed the debt. I requested additional information regarding this debt from both XXXX XXXXn regards to account XXXX and XXXX  XXXX  and never received documentation supporting their claims. This account was opened fraudulently on my account, and to date still has not been removed. The collection account was closed and removed because they did not have supporting documentation and they participated in legal practices, while XXXX XXXX XXXX XXXX emails trying to collect on this same debt, even though XXXX XXXX stated they owned the account. On my credit report, in the remarks it states the account was transferred to another lender, however I still have not received any documentation and it has been over XXXX months.

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 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
XXXX XXXX is owned by XXXX XXXX XXXX XXXX XXXX selling my inofrmation without my acknowledgement as I did not sign a contract agreeing to sell my information to COLUMBIA DEBT RECOVERY LLC DBA GENESIS. 

I sent an email to Genesis stating that the debt was inacurrate and incorrect for XXXX XXXX and XXXX XXXX on XX/XX/year> but the creditor still choose to place information on both our credit reports reporting to all cedit bureaus and did not respond back to my email. XXXX mailled me a letter on XX/XX/year> stating they could not find me in their database when I have an entire account on there portal as I disputed the debt. 

This was not properly investigated on XXXX, XXXX and XXXX and was placed on my credit report pursuent I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Mohela has been unable/unwilling to explain why my principal balance of about {$110000.00} from XXXX ( I cant be for certain because Mohela wont make my statements from before XX/XX/XXXX available online and would not mail them when requested on XX/XX/XXXX ) to {$110000.00} in XX/XX/XXXX ( increase of about {$1100.00} ), as well as some sort of capitalized interest of {$1600.00} on XX/XX/XXXX. Since XX/XX/XXXX ( and likely prior ) I have observed government-placed forbearance in XX/XX/XXXX ( payments were not actually due around XXXX to XX/XX/XXXX, but Mohela did not have their messaging in place in time and I made payments that I didnt have to make during that timing and was allowed to request that money back for payment later I declined ), as well as XXXX to XX/XX/XXXX ( XXXX XXXX plan XXXX ). These were forbearance periods placed on my account by the government or Mohela and it was explained on the Mohela website that no interest would be charged during those periods. 
Im willing to look past XXXX slow-movement on placing government forbearances ( XXXX XXXX ) but not allowing me access to my account history, then increasing my balance without cause is improper and cause for concern. 

XXXX of events for context : XX/XX/XXXX at XXXX Central Called to report prior 70 days of unresponsiveness and requested/granted escalation of my inquiry. Was promised escalated responses occur within XXXX business days, which would have been XX/XX/XXXX. No response received as of XX/XX/XXXX ( total of 59 days ). 

XX/XX/XXXX at XXXX Central Called Mohela to report the statements had not been received in the prior 65 days. Made request to XXXX for Mohela to provide a response regarding the unexplained increase in principle. Cancelled request for copies of statements contingent on receiving a response for the principal increase. 

XX/XX/XXXX at XXXX XXXX  Noticed increase in principal. Attempted to view statements online but they were unavailable due to a platform change at Mohela. Called Mohela and requested copy of statements for the prior XXXX months in order to reconcile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RFNA, LP
State: GA

Complaint narrative:
Received unsolicited checks in the mail as a XXXX, impoverished senior citizen. Ignored first XXXX, but did deposit the third check. I tried to make the payments with the high interest rates, but ultimately failed. Republic Finance , LLC began an unprecedented level of harassment and threats of legal action. By XX/XX/XXXX, XXXX XXXX was informed by my nonprofit attorney of my financial situation being only Social Security income. The address they mailed the unsolicited check to is a HUD low income based apartment building for seniors. I wish I could show you the unending stream of calls that continue to follow throughout XXXX on my cell phone. In XXXX, they were sent a repeat letter from my lawyer. Then, last month -- in XXXX, they had their process server leave papers outside my front door to sue me. At this point, their motive is the clear exploitation and intimidation of a XXXX senior citizen over the age of XXXX in XXXX. They are simply doing this to cause me mental and emotional distress by their harassment as it is abundantly obvious their actions will not gain them any money. It is their business model to target weak, vulnerable and poor seniors and harass us to pay their usurious rates on solicited " loans. '' They need to stop this unethical practice that causes XXXX seniors to suffer physical and mental stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I reached out to the student loan company requesting verification of the late nonpayment but I have yet to receive a response. I am now contacting you for assistance in having it 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 2025-02-11 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:
I reached out to the student loan company requesting verification of the late nonpayment but I have yet to receive a response. I am now contacting you for assistance in having it 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 2025-02-11 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:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX, NY XXXX & XXXX XXXX XXXX XXXX, NY XXXX XXXX reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX New York XXXX Social Security Number XXXX XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute.

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 2025-02-11 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-11 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: Associated Credit Services, Inc.
State: IL

Complaint narrative:
My social security has been lost for years now but somwhow from time to time I would see inaccurate inquiries and I recently found a collection form XXXXXXXX XXXX which negatively impacted my credit and Ive reached out to them and no one was able to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding incorrect addresses listed on my credit report. These addresses do not belong to me and are negatively impacting my credit history. 

I recently obtained a copy of my credit report and noticed several addresses that are incorrect and do not belong to me. These addresses have been reported under my name by one or more credit reporting agencies. I have not lived at these addresses, nor have I ever used them in any capacity. I have reviewed my records, and none of these addresses are associated with my financial history or personal information. 

I have attempted to resolve this issue by contacting the credit reporting agencies directly, but the incorrect addresses remain on my credit report, which is negatively affecting my credit score and potentially my ability to obtain credit. 

I am requesting that the credit reporting agencies correct these inaccuracies on my report and update the information to reflect only my correct and current address. 


I have already contacted the credit reporting agencies Equifax, Experian, and TransUnion on XX/XX/2024, XX/XX/2024, and XX/XX/2024 and disputed the incorrect addresses. Despite my efforts, the addresses have not been removed or corrected. 


I would like the Consumer Financial Protection Bureau to assist in ensuring that these incorrect addresses are removed from my credit report and that my credit file reflects only accurate and current information.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding incorrect addresses listed on my credit report. These addresses do not belong to me and are negatively impacting my credit history. 

I recently obtained a copy of my credit report and noticed several addresses that are incorrect and do not belong to me. These addresses have been reported under my name by one or more credit reporting agencies. I have not lived at these addresses, nor have I ever used them in any capacity. I have reviewed my records, and none of these addresses are associated with my financial history or personal information. 

I have attempted to resolve this issue by contacting the credit reporting agencies directly, but the incorrect addresses remain on my credit report, which is negatively affecting my credit score and potentially my ability to obtain credit. 

I am requesting that the credit reporting agencies correct these inaccuracies on my report and update the information to reflect only my correct and current address. 


I have already contacted the credit reporting agencies Equifax, Experian, and TransUnion on XX/XX/2024, XX/XX/2024, and XX/XX/2024 and disputed the incorrect addresses. Despite my efforts, the addresses have not been removed or corrected. 


I would like the Consumer Financial Protection Bureau to assist in ensuring that these incorrect addresses are removed from my credit report and that my credit file reflects only accurate and current information.

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