vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
To whom this may concern, My personal and financial information was compromised without my authorization.

The family education rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX Universal Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Demand Under 15 USC 16 1692d and 1692c To Whom It May Concern, I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, Ok XXXX am writing to formally demand that Universal Acceptance immediately cease and desist all communications with me, as permitted under the Fair Debt Collection Practices Act ( FDCRA ), 15 USC 1692 et seq.

Background : This account has been paid but still reporting negatively on my report. I have received multiple communications from your company regarding an alleged debt. These communications have caused me significant distress and inconvenience when it has already been handled.

Legal Basic : Under 15 USC 1692d, debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. Additionally, 15 USC 1692c ( c ) stipulates that upon receiving a written request from a consumer to cease further communication, a debt collector must honor that request.

Demand : I hereby demand that Universal Acceptance : 1. Immediately cease all communication with me for this account has been handled, including but not limited to phone calls, letters, emails, or any other form of contact.

2. Provide written confirmation within 30days of receipt of this letter that all communications have ceased only Please be advised that failure to comply with this demand may result in legal action, including but not limited to filing a complaint with the Oklahoma Attorney General 's Office, as well as pursing a private lawsuit for violations of the FDCPA. 

This letter is written without prejudice to any rights or remedies I may have under applicable law. 
Sincerely, XXXX XXXX XXXX last 4 of social security XXXX Date of Birth : XX/XX/XXXX cc Consumer Financial Protection Bureau Oklahoma Attorney General XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington Mortgage informed me that for XXXX consecutive payments I would need to pay by certified funds and was told I could do a cashiers check/certified check. I sent the first check out on XX/XX/XXXX to XXXX  XXXX payment. For the next several weeks after I called because the check was never applied to my account or cashed. On XX/XX/XXXX I went to my bank and had the first check cancelled and the bank reissued a new one. On XX/XX/XXXX I sent the second check with tracking through XXXX. I got confirmation on XX/XX/XXXX that the check had been successfully delivered. As of todays date XX/XX/XXXX, Carrington Mortgage claims they still have not received it even after showing proof of cashiers check and usps delivery confirmation. I keep getting the run around with this payment and they claim they need a few more days to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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, cashapp 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 2025-02-10 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: NY

Complaint narrative:
these accounts are a result of id theft. i have no knowledge of these accounts

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 2025-02-10 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: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
Transaction Date : XX/XX/XXXX Merchant refused to allow me to return an item for a refund despite it following their returns policy Original contact to SoFi : XX/XX/XXXX Asked SoFi to dispute the charge, they informed me that the dispute was filed and that someone would reach out for more info within 10 days. However, no one did. 

Second contact : XX/XX/XXXX I contacted for an update on the dispute and was told that no dispute was ever filed and that the previous agent had not submitted the dispute. SoFi then started the dispute for me. 

Third contact : XX/XX/XXXX SoFi emailed me to request supporting documents. I provided a 12 page PDF file with supporting documents. 

Fourth contact : XX/XX/XXXX I contacted SoFi to inquire about provisional credit as it had been over 10 business days with no provisional credit. 

Fifth contact : XX/XX/XXXX SoFi responded and said this type of dispute doesn't qualify for provisional credit and that it would take up to 90+ days to be resolved. They would not specify why I can not have provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
They said that I have a 60 day late payment in XXXX, which is not true. Ive been paying my payments on time. I disputed it and I never got a response It was just ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Olympus1 LLC
State: FL

Complaint narrative:
I had to close my account after giving them ~ {$7000.00}. They did not call creditors except for one. They are returning {$2400.00} without any resolution to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-10 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: NV

Complaint narrative:
I am writing to formally address your response regarding my credit dispute. It is evident that your request for additional information is nothing more than a stall tactic in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies conduct a reasonable investigation within 30 days ( or 45 days if the dispute is based on a free annual credit report ).

Failure to Comply with FCRA Regulations Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a full and reasonable investigation, including contacting the original furnisher of the information. You can not delay my dispute by demanding unnecessary documentation that is not required by law.

FCRA 611 ( a ) ( 5 ) ( A ) states that if the disputed item can not be verified, it must be removed from my credit report. If the furnisher fails to respond within the allotted time, you must delete the item immediately. 
Your response also fails to comply with CFPB guidance, which requires credit bureaus to substantiate disputed information with verifiable evidence rather than shifting the burden onto the consumer. 
Immediate Action Required I demand immediate verification of the disputed item, including all supporting documentation from the furnisher.

If you fail to verify the accuracy of the information within the legally mandated time frame, you are required by law to delete the disputed account from my credit report.

Suppose I do not receive a satisfactory resolution within the required timeframe. In that case, I will escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA.

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 2025-02-10 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: LA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX Mohela XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Immediate Cease of Loan Payments Due to FERPA Violation Dear Mohela, I hope this letter finds you well. I am writing to formally inform you that I will no longer be making any payments toward my Parent PLUS loans due to a violation of the Family Educational Rights and Privacy Act ( FERPA ) by your organization. Specifically, I have recently discovered that my personal and financial information was compromised without my authorization when shared with XXXX XXXX and his employees, which is a direct violation of FERPAs protections regarding the privacy of student and parent records. 
FERPA requires that educational institutions and loan servicers such as Mohela safeguard and protect the privacy of student and parent records. By disclosing my personal information to individuals and entities not authorized under FERPA, you have breached the legal requirements set forth under this act.

As a result of the severity of this breach and the compromise of my personal and financial information, I have lost trust in your ability to protect my private information and therefore request that my loans be immediately canceled and discharged.

Please consider this letter an official notification that I am discontinuing my loan payments until I receive satisfactory answers regarding the FERPA violation. If I do not hear back from you within 5 days, I will be forced to take further legal actions to protect my rights. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NM

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paxful Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I received an email with a code to verify a newly formed account for a company called Paxful, who I have never heard of. I looked up the company on the web and they are cryptocurrency broker of some type. 

The email stated to ignore the email if this was not me. But provided no instructions to help me contact the company so I could make sure someone is not stealing my identity or even assets to trade cryptocurrency. 

When I reached the website, it would only allow me to talk to a chat bot, who said I could get support by clicking a help button in the right corner of the screen, which didn't exist. This is likely because you'd have to log in to receive support. The AI bot, and the vast library of documentation did not include any way to contact somebody to mark my account compromised. 

They did mention they are available on XXXX, XXXX, and XXXX, so I logged into XXXX to submit a message and there was only an auto reply asking me to go to the website. I found an email address on the XXXX  XXXX  XXXX  which I tried to use to ask them to take my account down, and they sent back an auto reply asking me to log in and do a ticket differently. 

My complaint is that this company provides no service to people who may have been compromised and don't have an acccount. There's no public facing service, as the AI bot and the XXXX message were all sufficient in getting my request across. If the company is going to broker XXXX, they need to make consumer service available to the victims of the people using erroneous information to try and hold or buy assets under somebody else 's name. 

I provide a map of my user journey with this incident in the document below, please review attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a hard pull on my credit report from XX/XX/XXXX from JPMCB CARD and i called them and they acknowledged that it wasnt me and was never removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase Sapphire Reserve credit card and pay a steep annual fee for the benefits. One of these benefits include travel/trip cancellation/delay protection. I filed a claim on XX/XX/year> for reimbursement for a trip that cancelled due to XXXX XXXX XXXX XXXXXXXX. It has been nearly 4 months and my claim is being dragged along. This is completely unacceptable. Chase is very aware that the third party company they hired to review claims are incompetent and wears their customers out by requesting the same documentation over and over again. My next step will be a lawsuit in small claims court where I will name Chase and the third party company they contracted to terrorize their customers who file claims in good faith. There is absolutely no reason I have provided documentation for my claim repeatedly and my case is still open XXXX months after the fact. Chase is falsely advertising their benefit and is a complicit party. 

My XXXX  number is XXXX. All documentation that I uploaded in regards to my case is available in their portal utilizing that claim number.

Company response to consumer: Closed with monetary relief