vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VT

Complaint narrative:
I made an order on XX/XX/year> at XXXX XXXX. XXXX was lost and said so in the UPS tracking on XX/XX/year>. Company that sent package stopped answering when the package was updated as lost. Contacted Chime bank and started a dispute, they returned my funds on XX/XX/year> then took them back on XX/XX/year> and stated that they denied the chargeback even though UPS stated package was lost and not received. Called bank twice and they said they would return my money and open an internal investigation. Money hasnt been returned and they continued to take my money until account was positive. So now Im out the money from the original order plus what the bank took costing me twice for a package I didnt receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-02-12 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: TN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
The company Nelnet is trying to charge me for loans that were already consolidated and transferred to another servicer. They said they never received the direct consolidation loan payment for these loans. What they fail to realize is the payment was made to Great Lakes Borrowers prior to Nelnet assuming responsibility for this loan. 

XXXX XX/XX/XXXX- Requested a loan consolidation from Great Lakes Borrowers to XXXX to pursue XXXX. 

XXXX XX/XX/XXXX - XXXX consolidation disbursement was paid to Great Lakes Borrowers in the amount of {$11000.00}. 

XXXX XX/XX/XXXX - Received email from Great Lakes confirming my loan had been paid in and transferred to XXXX. 

XX/XX/year> - The loan was transferred from XXXX to XXXX and I have been paying XXXX since then, still in pursuit of XXXX. 

XXXX XX/XX/XXXX - Received email from Nelnet regarding an account correspondence. I had never logged into Nelnet before so I had to create an account. 

XXXX XX/XX/XXXX- Received an email about account correspondence which was 5 messages saying my accounts had been paid in full. 

XXXX XX/XX/XXXX- Since then my account has backtracked to show a total balance owed of {$17000.00}. XXXX XXXX XXXX is also showing this loan now when before it was only listing the XXXX loan. 

Again, the Nelnet loan that is represented is a duplicate loan for one I'm already paying with XXXX. I've tried to rectify this on the phone several times and email with all my documentation showing this to be true but they are either unhelpful or non-responsive. They have also been taking actions in the Nelnet account that I do not request such as a deferment that was recently processed. 

Attachment 1 : Loan Consolidation Application with payment amounts to Great Lakes. 
Attachment 2 : Previous Great Lakes Statement showing the same amounts paid to Great Lakes. 
Attachment 3 : Great Lakes email saying account paid in full. 
Attachment 4 : Nelnet Paid in Full messages Attachment 5 : Nelnet Account XXXX w/balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hard Inquires on my credit report that I did NOT apply for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received the mortgage statement with a XXXX due for XX/XX/year>. There are not any prepayments on this account. There were no explanations as to why the balance for XX/XX/year> is {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DEBT VALIDATION WAS NOT PROVIDED FOR THESE ACCOUNTS ON MY XXXX CREDIT REPORT AND DUE TO NON-VALIDATION THESE ACCOUNTS WERE DELETED XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This company has tried to collect money from me multiple times, but when I called them out, they removed my information from my XXXX and my XXXX XXXX accounts, but they have refused to remove this off of my XXXX account. I have done a dispute through XXXX to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
Closed account in XXXX XXXX phone call is in their system. They never contacted me after that, XXXX XXXX XXXX told me they agreed to remove account but its still show as a charge off on TransUnion.

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 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My loan was transferred to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that my loan would be transferred and that everything would remain the same. However, this was not entirely accurate, as I needed to register in order to have payments automatically deducted from my account. Consumers are not provided with an exact timeframe for when these funds will be withdrawn from their accounts. Therefore, it is important to call XXXX XXXX to confirm that the payment has been deducted. 

On XX/XX/XXXX, I spoke with an employee named XXXX at the number XXXX. She processed a one-time payment for me and changed my due date from the XXXX to the XXXX, which is when my mortgage payment is normally due. I was unable to make this change myself. Many consumers whose loans are transferred are unaware of the grace period, which can sometimes affect their credit. It is essential for the public to be informed about the grace period and to consider making additional payments to ensure their credit remains unaffected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.

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 2025-02-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/year> Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Against Cash App ( Block , Inc. ) for CFPA and EFTA Violations Dear Cash App ( Block , Inc. ) Dispute Department , I am filing a formal 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. Additionally, their dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused me significant inconvenience and financial loss, and I demand immediate corrective action and appropriate redress.

The specific violations include but are not limited to : Failure to Protect Against Unauthorized Transactions ( 15 U.S.C. 1693g ) Under the EFTA, Cash App is required to investigate and resolve unauthorized transactions. Their lack of proper security measures and refusal to reimburse fraudulent transactions have resulted in financial losses.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) ( 12 U.S.C. 5531, 5536 ) Cash App engaged in unfair and deceptive business practices by misrepresenting the effectiveness of their fraud protection measures and failing to provide adequate customer support.

Noncompliance with Regulation E Dispute Resolution Requirements ( 12 C.F.R. 1005.11 ) Cash App failed to properly investigate, respond to, and resolve disputes within the mandated time frames, denying me the protection guaranteed under federal law.

Failure to Provide Timely and Clear Disclosures ( 12 C.F.R. 1005.7 ) Cash App failed to provide accurate disclosures regarding consumer rights and obligations under the EFTA, misleading users about their fraud protection policies.

Given these violations and the financial hardship caused, I demand the following actions : Immediate reimbursement of all unauthorized transactions in compliance with the EFTA and Regulation E.

A comprehensive review of Cash Apps fraud prevention and dispute resolution processes to ensure compliance with federal consumer protection laws.

A formal written response detailing the corrective actions being taken within ten ( 10 ) business days.

Please provide me with a written response confirming your compliance with my request. I expect full adherence to the CFPA, EFTA, and Regulation E requirements. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Date ; XXXX Rushmore Loan Mgmt Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number ; XXXX Notice of Violation of the Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the mortgage associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking 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. A settlement agreement that I may retain for my records.

3. 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. If 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NJ

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

Company 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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Due to XXXX XXXX 's illegal seizure and viewing of personal and financial documents, my personal and financial information was compromised without my authorization. The Family Educational 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: Closed with explanation
Consumer complaint received 2025-02-12 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: AZ

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - Account # : XXXX - Reporting Balance : {$13000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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