vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: ID

Complaint narrative:
Sent multiple required Electronic and XXXX XXXX XXXX XXXX agreements signed by myself and employer to Federal Student Aid, Department of Education. Multiple phone calls, emails, letters to XXXX, my student loan servicer as well. 

My loans which meet PSLF requirements have not been forgiven and the Studentaid.gov website is still not updated. 

Federal Student Aid states XXXX is not complying with providing information on my student loan payments. 

XXXX states that FSA has access to these records and shares the same portal. 

It will be a catastrophic and dire situation if someone does not correct this for myself and all others as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr will start leaving as our PSLF is not being honored.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: LA

Complaint narrative:
I am struggling right now trying to payoff this payday loan that I have right now. I thought I would be able to pay it but since I am not working at all right now I am finding that it's hard for me to do this. XXXX from what I have heard is a bad company from the start to deal with and I feel bad for going through them. I can't afford it anymore and if I cancel or work up some plan to work with them I would like to do business with them but if I can't then I should be able to cancel the loan all together if they are not willing to work with me. I would like to see what the CFPB says about this first because they XXXX have some ways to talk to these people and settle this once and for all. I sure hope that you guys at the CFPB can help me out because I need to get my loan canceled or my payments lowered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Invasive Request for Personal Information Reference : XXXX Dear Experian Customer Services, I am writing to formally express my dissatisfaction with your recent request for an excessive amount of personal information, specifically the requirement for six previous addresses to correct an account on my credit report. This request is not only unreasonable but also invasive, and it raises significant concerns regarding your adherence to the Fair Credit Reporting Act ( FCRA ) and your obligation to ensure the accuracy of consumer information. 

Your email dated XX/XX/year>, ( ref : XXXX ) outlined the need for this information to confirm my identity. However, I must point out that the FCRA, under Section 607 ( b ), mandates that consumer reporting agencies like Experian must follow reasonable procedures to ensure maximum possible accuracy concerning consumer information. The request for six years of previous addresses far exceeds what is necessary to verify my identity and correct any inaccuracies. 

Moreover, I would like to bring to your attention that XXXX XXXX XXXX has confirmed that they have updated my name and sent the relevant information to all three credit reporting agencies as of XX/XX/year>. This is documented in the attached correspondence from XXXX XXXX, which clearly states the updated information regarding my account. There should be no further delay in rectifying my credit report based on this update. 

Experian 's practices have come under scrutiny for failing to conduct proper investigations into disputes, often resulting in the re-insertion of errors on credit reports. Such actions threaten consumers ' access to credit, employment, and housing opportunities. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies if this issue is not addressed promptly. 

I expect a thorough review of my case and a timely response that confirms the correction of my credit report. Failure to do so may lead me to take legal action to protect my rights as a consumer. 

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

Sincerely,

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 2025-02-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Hello i XXXX XXXX reporting information that is illegally reported. Company Bonce Al- has no account Listed in any emails sent to me, also have wrong info and wrong address listed illegally placed on credit and harassing me with emails. 

Im Accordance with the fair Credit Reporting act.The List of accounts below has violated my federal proctectrd consumer rights to privacy and confidentiality under 15 USC 1681.Orginal Account Company is XXXX XXXX XXXX has violated my rights selling it to Bounce Al-. 15 USC 1681 section 602 A .States I have the right to privacy and according to 15 USC 1681 leb they are supposed to ensure this whenever a consumer reporting agency prepares a consume report it shall follow resonable procedures to assure maximum possible accuracy of the information comcerning the individual about whom the report relates & due to harassing my email. 15 USC 1681 .Section states no consumer reporting agency may make the report containing following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-02-04 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX. I noticed XXXX fraudulent accounts on my credit report. One from CAPITAL ONE, account number XXXX with charges of {$440.00}, and another fraudulent accounts from, XXXX XXXX, account number XXXX with charges of {$950.00}. These accounts were not authorized by and and are fraudulent. I will be filing a lawsuit. I fill out a FTC report for identity and sent the paper work to said company, XXXX, which had reported the fraudulent account on my credit report to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i would like to pls ask assistance to reach to higher department with my bank BMO multiple phone call has been done with the customer service rep ( spoke to XXXX, XXXX, XXXX ) and i was promised that the refund will be released/reflect anytime last week, but no refund yet showing on my account coming from XXXX  for {$370.00}, i was told that problem causing the delay is due to the new debit card, But it was still dissame account, reason i was issued a new debit card is due to an authorized transaction, i was told by the 3 BMo rep ( XXXX, XXXX & XXXX that they can see the refund issued by XXXX  but my It was rejected due to the new debit card issued. pls see attached proof below.

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 2025-02-04 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: FL

Complaint narrative:
Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Dear Equifax Dispute Department, I am writing to formally dispute several items on my credit report that are a result of identity theft. The following accounts do not belong to me, and I demand that they be removed from my credit report immediately : XXXX Account : # XXXX XXXX XXXX XXXX  Account : # XXXX As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, to request the removal of these fraudulent items from my credit report.

Enclosed, please find the necessary documentation to support my claim, including : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ).

Copies of my personal identification, including my driver 's license and a utility bill, to verify my identity. 

I demand that Equifax take the appropriate actions to remove these fraudulent accounts from my credit report. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 address 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 see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Midland Credit Management, 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 XXXX, 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. 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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 XXXX accounts as having XXXX of the nations highest rates, yet failed to notify account holders about the superior rates offered by XXXX XXXX XXXXXXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer financial protection act and the truth in savings act. I seek to redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: OH

Complaint narrative:
I contacted CashApp about fraudulent charges on my account and to speak to a representative and I wasn't able to. Only a text chat. And it kept repeating the same thing. My problem was never solved. And money was never returned in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding an unfulfilled service and a pending refund related to a transaction I made for a birthday beach dinner celebration for XXXX in the XXXX. I paid over {$2000.00} for this service, which included a private beach dinner ( {$1600.00} ) and a saxophonist performance ( {$440.00} ). Unfortunately, the hotel where I booked the experience canceled the event due to unforeseen circumstances, though they never provided a specific reason for the cancellation. 

At the time of cancellation, the hotel assured me that I would receive a full refund within XXXX business days. However, despite their promise, I have yet to receive the refund. I have made multiple attempts to contact the hotel to resolve this matter, but I have either been ignored or given vague responses with no concrete resolution. 

To recover my funds, I submitted a dispute with Navy Federal Credit Union. However, I am feeling discouraged because, in the past, they have tended to invalidate my claims. I dont know if this is due to discrimination based on my skin color, but I have had troubling experiences with them before, where legitimate disputes were not taken seriously. I am hoping they handle this claim properly, as this situation has caused unnecessary stress and financial inconvenience.

I am requesting the CFPBs assistance in ensuring that I receive the refund I am owed for a service that was never provided. I have attached copies of my payment receipt, my correspondence with the hotel, and any other relevant documentation to support my claim. Please let me know if additional information is required. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief