vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app was taken amount of money every time I received our deposit money. It didn't matter if it was a personal or business they were still taking out and I don't know where that money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of 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 explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX XX/XX/XXXX {$620.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have requested cancelation of PMI and paid for the necessary BPO fee. Newrez has done nothing so far regarding scheduling a visit for broker price opinion. They are unresponsive. I managed to escalate the issues to XXXX XXXX ( XXXX, Customer Service ). Unfortunately, she does not respond to her personal email and answer her office phone regardless of my multiple attempts. Another related issue is my previous escrow removal request since I am under 80 % XXXX. They sent me a letter saying only " the investor of your load denied the request '' with no additional explanation why they denied. I have perfect payment history and the loan is in third year with under 80 % XXXX so I do not understand why they cling to escrow funds. This also suspicious when they also take it slow to process my PMI removal. Finally, I requested a mortgage recast request but they did not formally send any letters explaining what my new monthly payment will be ( principal and interest ). All fees needed for these requests are paid ( XXXX, recast fee etc ). So in summary, here is what I request from this company : 1- Schedule the BPO visit and evaluate the value of the property. If it has not lost any value, REMOVE the PMI immediately since I am under 80 % XXXX. 
2- Cancel collecting for escrow or explain why you rejected my request with a detailed reason. Describe who the investor is. 
3- Double check your recast numbers and monthly payment and send me a letter explaining the new monthly payment. They did so many accounting errors so this is important too.

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 2025-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute of Civil Liability for Negligence Reference to Section 16810 I hope this letter finds you well. I am writing to formally dispute the claim of civil liability for negligence. As per Section 16810, I understand the criteria for civil liability in cases of negligence, and I firmly believe that the circumstances surrounding the event do not meet these criteria. Given the facts of the situation, I respectfully request that this claim be reviewed thoroughly and dismissed based on the outlined reasoning. If necessary, I am willing to provide further documentation or clarification to support my position. 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 2025-02-07 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: NY

Complaint narrative:
I am writing to formally 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 numerous 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 that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$3700.00}

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax blocked my file XXXX. From this current date of XXXX Equifax has refused to unblock my file. I, XXXX XXXX has sent Equifax my social security card, Driving license and a cover letter requesting to unblock my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I would like to report Santander Consumer USA as a predatory lender. I am in the process of paying off this loan in order to refinance. I tried to wire transfer the balance, but Santander Consumer USA claims they do not have a routing number or bank account number in order to do this. The representative also claimed that the only way to pay this balance is to have my bank issue a cashier 's check. 
In the meantime, I have been making daily cash payments at XXXX through the " XXXX XXXX XXXX '' option. The first problem I encountered was not being able to process payments in excess of XXXX per transaction. There is a XXXX fee per transaction, and when paying more than XXXX per day, payment is declined. Today I attempted to continue making another payment, and it was also declined. I called XXXX, and their excuse was that there is a monthly limit on payments. Last time I checked, that is illegal. Since this loan accrues interest on a daily basis at 24.03 %, it appears that this is also predatory in order to collect more interest on this loan. 
I would also like to start an investigation as to why XXXX is doing business with this predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I reported my card was stolen on XX/XX/year> and Chase allow a credit card processing company ( XXXX XXXX ) run transaction in the amount of over {$13000.00} over a 2.5-week time frame on my reported card. The transactions started XX/XX/XXXX and I caught it on XX/XX/XXXX. I did everything I was suppose to do and they failed to protect me and my account. They are refusing to return my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I tried to access my credit report but there's an INTERNAL BLOCK on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Started with XXXX phone calls from " Chase '' this morning saying someone tried to open a new credit card under my name ( they gave me last XXXX of my social ). I said I did not try to open new account and I would call them back. They did not like that and hung up. When I returned home I called my Chase Credit Card and they advised me that did not happen. The phone # 's were : XXXX, XXXX, XXXX. 
A few hours later I received a call from XXXX XXXX, same thing, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
I contacted Experian, Equifax, and TransUnion and disputed several accounts on the report that were inaccurate and not validated. Disputed XXXX each time they said the accounts were validated but they never provided any information that I requested like a signed agreement between me and the said creditor or valid proof that the debt belonged to me. They continued to report the inaccurate information preventing me from being approved for loans and renting an apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
I contacted Experian, Equifax, and TransUnion and disputed several accounts on the report that were inaccurate and not validated. Disputed XXXX each time they said the accounts were validated but they never provided any information that I requested like a signed agreement between me and the said creditor or valid proof that the debt belonged to me. They continued to report the inaccurate information preventing me from being approved for loans and renting an apartment.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : 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  I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
An amount of {$2000.00} was submitted and charged to my checking account through my debit card. It was listed as XXXX. I put through a dispute with the bank explaining all of this. They came back and said it was verified because it was done on our XXXX XXXX. I put in another dispute explaining again and they opened a dispute but closed it the next day. They have never asked me for any documentation, nor had they contacted XXXX. In addition, the bank also cancelled my debit card and closed my online account.on the first dispute. They told me I would not be able to go back online for a little while. I was upset as I wanted to keep an eye on my account. I am frustrated. We did not make this charge and are losing {$2000.00} right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are the inquired that I have marked as inaccurate : 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 XXXXXXXX.

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 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
Subject : Federal Student Aid ( FSA ) Noncompliance - Failure to Respond to CFPB Complaint I previously filed a CFPB Complaint ( Case # XXXX ) on XX/XX/XXXX, regarding extreme delays in processing my XXXX reconsideration. The Department of Education has failed to acknowledge or respond to the CFPB within the required 15 day period. 

Additionally, my XXXX reconsideration ( Case XXXX XXXXXXXX ) has been stalled for XXXX days. I have been repeatedly told that " additional information is needed, '' yet FSA representatives and supervisors can not tell me what information is required. 

I have also been informed that my case has not been updated since XX/XX/XXXX, per a conversation I had with a FSA representative yesterday, XX/XX/XXXX. This means it has been sitting untouched for over XXXX months. FSA has failed to provide any meaningful updates, despite multiple follow-up calls, and continues to blame the delay on backlogs. 

I request immediate CFPB enforcement action to hold FSA accountable for failing to process my reconsideration or provide legally required updates.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> capital one state it I have a potentially negative balance with them of {$400.00}. I am in no contractual agreement with them at all. I have no knowledge of this account. My information was breached by XXXX XXXX XXXX and could be a direct result of the identity theft I experienced a couple years ago.

Company response to consumer: Closed with non-monetary relief