vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Demand for Method of Verification ( MOV ) Not a New Dispute Dear TransUnion, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the provision of the Method of Verification ( MOV ) related to the XXXX XXXX XXXX appearing on my credit report. This is not a new dispute, but a direct request for compliance with federal law, as mandated by Congress and the statutes of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite repeated attempts to resolve this matter, TransUnion has returned disputes regarding this tradelineboth authorized and unauthorizedon more than XXXX occasions. As required under federal law, I am entitled to receive the specific method used to verify the accuracy of this tradeline. I demand that you immediately provide a complete written disclosure of the MOV or remove the XXXX XXXX tradeline from my credit report if proper verification can not be established. 

This matter must be handled as a demand for verification and not treated as a new dispute. XXXX repeated mishandling of my disputes and failure to furnish the MOV constitutes a violation of my rights under the FCRA. Additionally, I demand arbitration to resolve this matter and seek compensation in the amount of {$XXXX} for the damages caused by your companys repeated non-compliance and mishandling of my disputes. 

Requested Actions : 1. Furnish the full and complete Method of Verification ( MOV ) for the XXXX XXXX tradeline. 
XXXX. If proper verification can not be provided, immediately remove the tradeline from my credit report. 
XXXX. Initiate arbitration to address this matter and provide compensation in the amount of {$XXXX} as a resolution for the harm caused. 

Please provide a response within 15 days of receipt of this letter, as required by law. Failure to comply will result in further escalation, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

I trust TransUnion will act in compliance with federal law and resolve this matter promptly and appropriately. 

Sincerely, [ XXXX 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 2025-01-24 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate these/my claims adequately. They informed me/us 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 2025-01-24 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent information includes a personal loan account opened with Regional Finance on XX/XX/XXXX ; a personal loan account opened with XXXX XXXX XXXX  on XX/XX/XXXX ; a utility account opened with XXXX XXXX XXXX on XX/XX/XXXX ; and multiple unauthorized hard inquiries, including XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX, XXXX (  XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have attached a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items. I do not recognize the aforementioned accounts or inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
Just a whole bunch of inquiries that I did not participate in

Company response to consumer: Untimely response
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Just a whole bunch of inquiries that I did not participate in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2025-01-24 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: MA

Complaint narrative:
I have direct federal loans that were taken out for my XXXX XXXX in XXXX. My current balance is XXXX XXXX given the accrual of interest over time. I am a XXXX  XXXX  in a XXXX XXXX  XXXX, finishing my XXXX  year of employment, and my loans are eligible for forgiveness through the public service loan forgiveness program. In XXXX, my loans were put into administrative forbearance due to the lawsuits against the SAVE plan, which I was enrolled in for payment. During these months, I did not gain credit toward my PSLF despite continuing to work in the public sector. On XX/XX/XXXX, as soon as the option became available through the website, I applied to change to the XXXX  payment plan which, although would increase my monthly payment dramatically, would afford me the opportunity to make payments that counted towards my PSLF. My application has sat pending since XX/XX/XXXX with no additional follow up information, despite the website indicating that processing can take up to 30 days, or as many as 60 days in busy times. I reached out to FSA regarding the stall in processing in early XXXX and was told the concern was on Mohela 's end. I was unable to connect with a representative when I called due to extremely long wait times, and sent a help email through Mohela 's website, which was never responded to. 

Recent communication ( XX/XX/XXXX ) indicated that SAVE borrowers could switch to an XXXX plan and requests would be processed within 10 days, or you would be put into a forbearance for up to 60 days during processing that would count toward PSLF. Since then, I have filed a complaint via the website, attempted to call Mohela on three occasions ( quoted at a 4 hour and 25 minute wait each time ), and have submitted a new application to switch payment plan ( which went missing from my account the next day, and was not accompanied by the typical letter of receipt ). At this point I am losing extremely valuable time towards my loan forgiveness. I was scheduled for forgiveness in XXXX of XXXX, which has now been pushed out to at best, XXXX of XXXX because of processing incompetencies and delays on the part of Mohela. Mohela has been inaccessible, given that as a professional working in the public sector, in person, with children, I do not have the capacity to wait 4 and a half hours for what will be a lengthy call to begin. I have received no further communication through my accounts, and when I attempt to contact FSA, I am directed and transferred back to Mohela. At this point, I have lost credit for the months of XXXX, XXXX, XXXX, and XXXX due to the forbearance, and the months of XXXX, XXXX, XXXX and XXXX due to processing delays and incompetence on Mohela 's part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app has refused to provide a legitimate customer support service and my information was taken several times in the past. They force you to talk to an AI model or a low rate third party. 
Cash app has failed to resolve these issues in a timely manner and showed zero urgency, leaving my account vulnerable & unprotected, thats unfair & deceptive Under the electronic fund transfer act or EFTA and regulations as well. That caused significant financial loss. I seek redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Chapter XXXX Bankruptcy Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Chapter XXXX Bankruptcy Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
With regard to Chase Bank : I received a {$490.00} credit charge to a merchant XXXX on XX/XX/XXXX. This merchant had never been seen or used before. 

The same, day I contacted Chase Fraud Department to close the card and reverse the charge under fraudulent. The representative closed the card, credited my account, and immediately had a new credit card send out. 

On XX/XX/XXXX I received a letter from Chase stating they completed a review of the unauthorized transaction on the account. Chase removed the previous credit they applied to the account, and claimed I was responsible for the {$490.00} charge. The reasoning was : " You received benefit from this transaction. '' This was a fraudulent transaction. 
No benefit was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App, Block Inc. because of lack of customer service and unfair practices with the app, customer service, and lack of security. Which violate the Consumer financial protection app.

As well as their dispute system was deceptive, they never once complied to their error resolution requirements under the EFTA and Regulation E.

Cash app failed to take timely and effective measures to address fraud, which left my account vulnerable and not protected.

These inconsistent errors left my account vulnerable and cause considerable financial loss, spam accounts, and lack of privacy of my personal information and transactions. 
I am looking for appropriate accommodations and justice to the violations stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast has my accounts frozen. They are refusing checks and reaking havoc on me and my business. No one has reached to help. No emails. No phone calls. Bo correspondence at all. Iv spoken with some one in risk management who advised me it is under investigation and will take 90 DAYS! That's absurd! I went to the bank responsible for the initial negligence and they promptly admitted wrong doing. I did the work for them and submitted the info along with the proper contact info of the people i spoke with to clear this issue up. It has to be illegal to deny me access to my banking info so I can see why checks are being reversed. I honestly feel like all of this happening because I refused to pay them the negative balance wrongly put on my account and the numerous complaints iv filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Lexington Law handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Lexingtion Law numerous times and reporting discrepancies, that was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
XXXX XXXX {$2000.00} account number XXXX. XXXX XXXX, XXXX account XXXXXXXX XXXX The XXXX account number XXXXXXXX XXXX account number XXXX. XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX Account XXXX XXXX charge off closed account XXXX and three hard inquiries that was never given a credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries that need to come

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Starmark Financial LLC
State: FL

Complaint narrative:
Starmark Financial LLC Subject : Dispute and Validation of Debt Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1692c To Whom It May Concern, This letter is to formally dispute the debt your agency, Starmark Financial LLC, has alleged I owe. I am exercising my rights under 15 U.S.C. 1692g ( Validation of Debts ) to request validation of this debt and 15 U.S.C. 1692c ( Communication with Debt Collectors ) to restrict communications, as outlined under the Fair Debt Collection Practices Act ( FDCPA ).

Dispute and Validation Request I am requesting that you provide the following information to validate the alleged debt : 1. The name and address of the original creditor.

2. A detailed explanation and breakdown of the alleged amount, including all fees, interest, and principal.

3. Copies of any agreements, contracts, or other documentation that substantiate my obligation to pay this debt.

4. Proof that Starmark Financial LLC is authorized to collect debts in my jurisdiction.

Communication Restrictions Additionally, I am invoking my rights under 15 U.S.C. 1692c to limit how your agency communicates with me regarding this matter.

All further communications must be in writing and sent to my mailing address listed above.

Cease all phone, email, or other forms of non-written communication regarding this matter.

Legal Obligations As this is a formal dispute of the debt, I request that all collection activities, including reporting to any credit reporting agencies, be paused until proper validation of the debt has been provided. Any failure to comply with the FDCPA will leave me no choice but to escalate this matter further.

Submission to the CFPB This letter is being included in my formal complaint to the Consumer Financial Protection Bureau ( CFPB ). Failure to properly respond and adhere to FDCPA requirements may result in further action being taken with state and federal agencies.

Please provide the requested documentation and validation within 30 days from the date of this letter. Be advised that I am keeping detailed records of all correspondence for future reference. 

Thank you for your prompt attention to this matter. 

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