vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I entered in a mortgage loan with XXXX XXXX for a loan of XXXX payments of XXXX with 10.01 % interest rate after coming out of a terrible predatory lending contract which was worse, but this seemed to be manageable. Over the years I have had some financial struggles but have always attempted to pay something on the mortgage. The problem came when the mortgage was sold and a payment got lost, then I got laid off due to injury and there has been issues every since XXXX. The mortgage continued to be sold without my consent to transfer debt, Each company demands payments in full or threatens foreclosure, even though the mortgage was behind when they purchased it. Fast forward to XX/XX/XXXX the new lender Sn service corporation, decided to foreclose on my property due to the mortgage being behind. I was able to speak with them stop the foreclosure and pay a significant amount of the past due ( XXXX ) {$8000.00} XX/XX/XXXX and agree to payment arrangements for the next 12 months. I paid {$2500.00} XX/XX/XXXX, {$5000.00} XX/XX/XXXX with ( 54 ) weekly {$200.00} payment XXXX last sent I thought I paid enough ahead. then started sending {$200.00} weekly there after. I was getting the statements they didn't make sense as far as the balance but was told just keep making the payments so I did. I get an email 2 days ago stating we will be moving forward with the foreclosure. Why? According to my records I have paid {$26000.00} on a {$25.00}, XXXX debt. They claim, I didn't keep my end of the plan but like I said the statement are confusing with all these unapplied payments, I'm sending money faithfully but they are not applying to my debt last week I got a check back, however the money is in limbo because it comes from my bank and the deducted from my account. How can a debt collector refuse payment, no matter how much it is? Do they want the debt satisfied or not? Is that legal. My original loan does not mature until XX/XX/XXXX per them and I have not signed no other document for any of these companies, so how they can purchase a mortgage that's already behind with out my consent, demand payment, not accept the payment then decide my loan is up XX/XX/XXXX is unclear to me. I would like to make a plan to put my payments escrow or probate, pay directly to a court, because not they are not accepting and money from to purposely keep me in debt. Thy have fees which don't consent to paying, The company is using predatory tactics to try and steal my home to resale contributing to gentrification. They should not be able to buy and sell mortgages without the consent of the mortgage holder. I have satisfied this debt, they doing something illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, am writing to dispute the late payment reported for XX/XX/year> on my XXXX XXXX  account ( Account number : XXXX ). I have never been late with any payment on this account. Therefore, I request that you provide documentation supporting any claim of late transactions related to this account. 
If you are unable to provide proof of such a late payment, I ask that you immediately remove this erroneous entry from my credit report. 
Additionally, under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late on an open-ended consumer credit account if the payment was made on time.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: LA

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 any 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 2025-01-19 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I all fillings complaint against cash app ( Block , Inc. ) due to inadequate container 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 2025-01-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone Number : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Formal Dispute of Inaccurate Information [ public record : bankruptcy XXXX  XXXX ] * Dear Sir/Madam, I am writing to formally dispute the inaccurate information currently listed on my *Equifax credit report*. Despite my previous disputes regarding these items, I am concerned that Equifax has failed to conduct adequate investigations in accordance with the *Fair Credit Reporting Act ( FCRA ) *. 

The information in question includes the following : Public record XXXX  XXXX : - * [ XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX Status CourtUS BANKRUPTCY XXXX XXXX XXXX XXXX Liability Exempt Amount Asset Amount. ] * I have previously disputed these items with you, but I have not received a satisfactory resolution. As you are aware, under the FCRA, credit reporting agencies are required to investigate consumer disputes thoroughly, ensure that information is accurate, and provide proper documentation of the outcome of such investigations. Failure to do so violates my rights under federal law. 

I am also aware that the *Consumer Financial Protection Bureau ( CFPB ) * has taken action against *Equifax* for failing to properly investigate consumer disputes, which further demonstrates the ongoing issues with how disputes are handled. Given this, I am requesting that you : 1. *Conduct a thorough, accurate investigation* of the disputed items and provide me with the results.

2. *Provide evidence* that demonstrates the accuracy of the information you have reported or promptly remove the disputed items if they can not be verified.

3. *Follow the requirements of the FCRA* to ensure all future disputes are properly investigated and resolved within the 30-day time frame.

4. *Provide detailed documentation* of your findings and the steps taken during the dispute process. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: MS

Complaint narrative:
Experian has failed multiple time to fulfill its legal Obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information 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 furbish, accepting unreasonable 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 inaction violates federal law and 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 explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am following a complaint against Cash App blocking due to inadequate customer service and unfair practices, which violate the consumer financial protection act, which is the CFPA. Specifically cash app failed to take time and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected for the more the dispute resolution process was unfair and decisive as they did not comply with air resolution requirements under the electronic phone transfer act EFTA and regulation E this action has confused and caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App. ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Customer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leader, my account vulnerable in unprotected.

Furthermore, the dispute and 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 calls significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Subject : Request for Debt Validation Dear IC System, I am writing to formally request validation of the alleged debt associated with account number XXXX, as noted on my XXXX credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I have the right to request detailed information regarding this debt, and I expect a thorough response. To properly validate this debt, please provide the following information : 1. Bill of Sale - Documentation showing the transfer of this debt from the original creditor to your agency, including a complete chain of title. 
2. Date of First Delinquency- The exact date when this account first became delinquent. 
3. Date of Last Payment - The date of my last payment made towards this account. 
4. Payment Statements - All statements from XXXX detailing payments received and missed, along with information on any late payments, so I can verify if the account is being reported accurately. 
5. Signature on Original Contract - A copy of the original contract that shows my signature and legally binding agreement to pay this debt. 
6. Insurance Claims - Any information related to an insurance claim filed concerning this debt. 
7. Licensing Proof- Proof of your licensing to collect debts in the state of Ohio . 
8. Forward Flow Agreement - Any agreements related to the forward flow of this account from the original creditor to your agency. 

Please note that if you are unable to provide all of the requested documentation, I will consider this account invalid and will request that it be deleted from all credit reporting agencies. I expect a timely response to this request within three days from today 's date ( XX/XX/year> ), as mandated by the FDCPA. I kindly ask that you send all documentation to my address or through the CFPB portal as attachments. 

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

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 2025-01-19 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: VA

Complaint narrative:
I asked that they reinvestigate, XXXX  and XXXX  on my report. Now according to FCRA you all supposed to make sure information in consumers profiles are reporting accurately. Can you explain how a charge off is 100 % paid off with a {$0.00} balance be a charge off with a {$0.00} balance. Someone is clearly not doing there job and this inaccurate information should definitely be deleted from my profile if it is paid off.

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 2025-01-19 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs 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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello. 
Upon checking my account i saw couple of inquiries that i dont recognize. 
One of my address 's is inaccurate..

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 2025-01-19 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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: IL

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 systematic 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 Experians inaction violates federal law and 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 explanation
Consumer complaint received 2025-01-19 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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-01-19 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/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