vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: OR

Complaint narrative:
I am enrolled in PSLF, terms of this agreement state that my federal student loans will be forgiven after making 120 payments while working for a qualified employer.

I have made 120 payments, but my account has not updated since XXXX, so the payments I made in XXXX and XXXX are not appearing. 

I have called Federal Student Aid several times to resolve this issue, and am always told that they are updating their system with no timeline for a completed update. 

I am frustrated as I have satisfied the terms of my agreement but FSA is not acknowledging my progress made.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I'm missing a settlement payment from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I did a dispute with XXXX concerning a XXXX XXXX account. The account is closed and was already paid for because they wrote it off. It's against fcra regulations because it shows a balance and closed Plus monthly payment schedule. I have tried to resolve this through them and they keep putting it right back up within a day or so and I know it takes longer than that for them to do their job so therefore they are going by previous doings. I can not get nowhere with these people and I know there's a lawsuit against them over this kind of stuff and I ask that you take that into consideration also when dealing with these people.

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 2025-01-23 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: WV

Complaint narrative:
I did a dispute with XXXX concerning a XXXX XXXX account. The account is closed and was already paid for because they wrote it off. It's against fcra regulations because it shows a balance and closed Plus monthly payment schedule. I have tried to resolve this through them and they keep putting it right back up within a day or so and I know it takes longer than that for them to do their job so therefore they are going by previous doings. I can not get nowhere with these people and I know there's a lawsuit against them over this kind of stuff and I ask that you take that into consideration also when dealing with these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive forwarded I.D . Theft affidavit and police report yet they will not remove the inaccurate information which is as follows : XXXX XXXX, XXXX and 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had numerous amouunts of money tra sfered out of my cash ap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CT

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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 2025-01-23 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: CT

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-23 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: TX

Complaint narrative:
My cash app acct was broken into and XXXX was withdrawn by cash app tag name XXXX XXXX cash app asked for a return totally ignored by scamer I then contacted my bank and they proceeded to close my cash app acct and said that's all they can do.i know there is a law suit with them throug cfpb I woul like to put my name on refund list ridiculous some one can just take my money and sleep at night XXXX I'm sorry this was maybe XXXX yrs ago not sure of exact date I should of filed long ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
Ive disputed this charge off under 15 U.S. Code 1681 ( e ) ( I ) also under 15 U.S Code 1666 ( b ) and Experian has failed to remove this off of my report Ive disputed this 3 times now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit 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:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices. In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-23 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: TX

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing regarding the alleged debt related to services provided by XXXXXXXX XXXX XXXXXXXX. I would like to formally dispute the debt and clarify the circumstances surrounding this matter. 

On XX/XX/XXXX, I consulted with XXXXXXXX XXXX XXXXXXXX for XXXX  services. However, I soon discovered that my personal information had been mishandled and misused, leading to a loss of trust in the practice. In addition, I was wrongfully asked to submit another down payment for services that I had not agreed to. As a result, I made the decision to cease any further treatment and refused any additional services from the XXXX. 

Following this, I began receiving continuous and unwanted calls from XXXX XXXX XXXX XXXX, which were distressing and felt like harassment. I made it clear to XXXX XXXX that I had not received any further services and no longer wished to be involved with XXXXXXXX XXXX XXXXXXXX or their affiliated partners. 

In XX/XX/XXXX, I was contacted by your agency, Portfolio Recovery, claiming to have taken ownership of the debt related to the services in question. I want to emphasize that this debt is disputed, as I did not receive the services for which I am being held financially responsible. Furthermore, continued attempts to contact me, including threats of legal action, are both unwarranted and harassment. 

I kindly request that you cease all further collection efforts related to this debt, as it is invalid due to the reasons mentioned above. I also ask that you cease all attempts to contact me and remove any negative reporting from my credit file. 

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX  XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear XXXX, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, XXXX has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX  XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented XXXX 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I just wrote paragraphs of everything tht has happened to me and is a little better but my tumors are rare XXXX in XXXX & XXXX in XXXX. I had XXXX XXXX ( emergency ) XXXX XXXX cuz I was goin XXXX again frm XXXX much fluid building on my brain a XXXX  XXXX  was placed but also it had FDA Class 2 recall on it thts made my life worse including both tumors. I was declared incompetent & my father was my payee for a while until I started to learn all over & was told I wld never work again. I have had home health agencies since then. I have a state brain waiver but now I'm not declared incompetent they just push for one of my family to be over me. All this is documented can be confirmed & I will now just wait to die. Another one of identity theft recovery just ended again last month. I have been scammed & not understood, I have been told & shown my info was on the Dark Web which I know nothing about except it's a bad place to be. I can barely handle one bank card let alone anything past tht. But i.didn do this but if it is still insisted I pay I can't pay more than XXXX $ a month due to my income of social security disability. U can get or have any document I have to explain my whole condition & I still have home health 5dys a week 8hrs a day.

Company response to consumer: Closed with explanation