vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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:
I am submitting a formal complaint regarding the inaccurate reporting of late payments on my XXXX student loan ( Account # XXXX ) across multiple credit bureaus. These inaccuracies appear on my : Experian Report : Account # XXXX Equifax Report : Account # XXXX TransUnion Report : Account # XXXX These late payment reports are completely inaccurate, as I have consistently made all payments on time. This erroneous reporting is damaging my credit profile and violates federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information on consumer reports be 100 % accurate, complete, and verifiable. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer reports. The reporting of incorrect late payments when I have paid on time is a clear violation of this provision. 
2. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Information furnishers, such as XXXX, are prohibited from reporting inaccurate information if they know or should know it is incorrect. If XXXX has supplied inaccurate late payment data, they are in direct violation of this law. 
3. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If a consumer disputes inaccurate information, the credit bureaus must conduct a reasonable investigation within 30 days and correct or delete the incorrect data. 

Requested Actions I request the CFPB to take immediate action in investigating this matter and enforcing my rights under the FCRA. Specifically, I demand : 1. A full investigation into the inaccurate late payment reporting on my XXXX student loan across Experian, Equifax, and TransUnion.

2. Immediate correction or removal of the false late payment entries from my credit reports.

3. Written confirmation from XXXX and the credit bureaus verifying the corrections made to my credit file. 

I have attached supporting documentation, including copies of my credit reports, payment records, and previous dispute attempts, to substantiate my claim. 

I trust that the CFPB will take the necessary steps to ensure compliance with the FCRA and protect my consumer rights. I look forward to your prompt response and resolution of 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 2025-02-01 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: GA

Complaint narrative:
I have sent in several FTC identity theft request through the cfpb to Transunion and they sent documentation claiming they deleted items from my credit report but never actually deleted them. No update to my credit report has been made. The company is lying about deleting items off my credit and reinsert without permission or legal consent. They also put a block on my credit file without my consent in retaliation to me filing ftc identity theft reports and multiple Cfpb complaints that they completely ignore and use shady business practices to not remove these items. Transunion is intentionally leaving fraudulent items and reinserting on my credit report even after its been confirmed as fraud. These items need to be deleted and reflected on my credit report not just false pdf documents alleging deletion when in fact they were not. Please stop locking my credit file without my consent. They have even previously added a pin lock on my credit file created by a retaliatory employee of Transunion who was upset at me. Please correct this immediately and ensure it NEVER happens again

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 2025-02-01 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: Self Financial Inc.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
So BILT is a rewards program that has partnered with XXXX XXXX for convenience of rent payments. However, they have a condition to make 5 transactions in a statement cycle. The issue is they do not have a consistent billing cycle make a customer loose track of the cycle and loosing out on the rewards points they should be getting. This is misleading!

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 2025-02-01 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: Block, Inc.
State: MI

Complaint narrative:
Unauthorized charges and they would not let me stop payments for Unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
I reached out to Mohela on more than one occasion. Like many, I am being harmed by the SAVE program being on hold. During this time, Im stuck in limbo collecting thousands in interest while they determine if I ( A ) qualify for this loan ( my understanding is I qualified by the very fact that I was approved ) or ( B ) the ridiculous lawsuits put my payments on hold while they are still accruing interest.

In addition to that, the SAVE plan is supposed to cover additional interest if the payment is lower than the total interest, which had yet to happen while the payments were active.

I feel I was lied to and have likely added at least 1-2 years of additional payments, or more, as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Information was previously removed from credit due to wrong Information. But was brought back from a company that I due not owe nor did I sign a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act XXXX Acct # XXXX Dear XXXX XXXX XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. 
If you are not aware this entire claim is regulated by an arbitration agreement with *WEBBANK*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. 3. A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
Per the FCRA 15 USC 1681. My credit profile is showing a lot of inaccurate information. My profile is showing a lot of charged off accounts that were sold and I never received a 1099C. I would like these negative items deleted from my credit profile and a updated copy mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against The XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and potential violations under Nevada and Illinois state laws. The XXXX XXXX XXXX has engaged in deceptive practices, inaccurate credit reporting, and unlawful debt collection tactics related to an alleged debt acquired from XXXX XXXX. 

The XXXX, XXXX failed to provide proper debt validation as required under FDCPA ( 15 U.S.C. 1692g ). Upon my request for verification, they provided only credit card statements from XXXX XXXX and a generic letter indicating the sale of the debt. This does not satisfy the legal standard for debt validation, which requires a complete chain of assignment, proof of ownership, and an itemized accounting of the debt. Without such documentation, The XXXX, XXXX can not legally continue to report or collect on this account. 

Furthermore, XXXX XXXX XXXX XXXX is in violation of FCRA ( 15 U.S.C. 1681s-2 ) by reporting inaccurate information to credit bureaus without proper verification. Despite disputing the debt, they continue to report it, failing their duty to investigate and correct inaccuracies. This constitutes negligent or willful noncompliance with FCRA obligations to ensure the accuracy and integrity of consumer credit information. 

Additionally, XXXX XXXX XXXX XXXX has engaged in deceptive and unfair collection practices in violation of FDCPA ( 15 U.S.C. 1692e and 1692f ). By misrepresenting my fraud claim as an identity theft issuewhen the actual claim was regarding fraudulent reporting practicesthey have deliberately misconstrued the nature of my dispute to evade proper investigation and regulatory oversight. 

Under Nevada law, specifically XXXX XXXX and XXXX XXXX, The Bureaus, Inc.s deceptive conduct may constitute unlawful business practices, including the misrepresentation of consumer rights and failure to act in good faith during debt collection activities. 

Given that The XXXX XXXX XXXX operates from Illinois, potential violations of the Illinois Collection Agency Act ( XXXX ILCS XXXX ) also apply, particularly regarding the requirements for fair and honest dealings in the collection of consumer debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I received a copy of my credit report I am writing to express my concern regarding Experian 's denial to follow up on my investigation. Recently, I was informed that the CFPB has filed a lawsuit against Experian, alleging that the company accepts unreliable information and fails to notify consumers of dispute results. This aligns with my experience, as Experian has not attempted to remove or correct the derogatory remark on my report. I request that this information be removed or corrected immediately, as it is affecting my ability to obtain a house, car, etc. Experian 's actions violate my rights as a consumer and federal laws.

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Dear CFPB I need your assistance on a matter involving American Express. I have been a member with them while I was in the military for over 30 years. While in the military over 30 years ago I signed up for the American Express XXXX. When XXXX the XXXX occurred, I was on the XXXX XXXX XXXX and we XXXX to the XXXX. I went to AMEX at the time and asked that they drop the rate on my credit card to 6 % under the FCRA Act which they did. I received the benefits at the time. Then unfortunately I was a victim of Identy Theft to a high level and had to have a name change done and also my SSN was changed as a result. This messed a lot of my records with AMEX up and I have not been able to get them to bridge the accounts, so I get credit now for the FCRA on my American Express Card account. I have requested countless times that AMEX give me the same credit that my fellow comrades enjoy and to no avail I still get charged every year the yearly service fee and I also do not get the SCRA status on my account. I would like you to see what you can do to assist me with this matter. 

Subject : Request for Relief under the Servicemembers ' Civil Relief Act ( SCRA ) and Military Lending Act ( XXXX ) Dear American Express Customer Service, I hope this letter finds you well. I am writing to inform you that I am currently serving on XXXX XXXX in the United States [ XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX relief for my American Express account under the provisions of the XXXX XXXX Civil Relief Act ( SCRA ) and the Military Lending Act ( XXXX ). 

As an active-duty service member, I understand that I XXXX be entitled to certain protections and relief under both the XXXX and XXXX, XXXX, but not limited to, interest rate reductions, fees, and other financial accommodations during my service. I kindly ask that you review my account and apply any applicable benefits and protections provided by these laws. 

For your reference, please find below the necessary details of my military service : Full Name : [ Your Full Name ] American Express Account Number : [ Your Account Number ] Branch of Service : XXXX XXXX Active XX/XX/XXXX Date of Entry Active ) Military Status : XXXX XXXX Date of XXXX Expected XXXX XXXX End Date ( if applicable ) : XX/XX/XXXX Inactive Reserve If you require any additional documentation to process this request, such as my military orders or a statement of service, I am happy to provide it promptly. 

Thank you for your attention to this matter. I greatly appreciate your support and the assistance you provide to military members like me. Should you need any further information or clarification, please do not hesitate to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet fails to notify accountholders about the superior rates offered by the XXXX Performance Savings account This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Bureau Act and the Truth in Savings Act, I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 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 2025-02-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation