vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Theres a bankruptcy listed on my credit report that does not belong to me. XXXX has already corrected this information by deleting it from my credit report. However, TransUnion and Equifax has not complied.

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 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Dispute Reason : The information reported on this account Fair Credit & Outsourcing Acct # XXXX is inaccurate. The account is listed as " open, '' yet I believe it should not be reporting as such. I am requesting that you investigate this account to ensure its accuracy on my XXXX and XXXX credit reports. 
As outlined under the Fair Credit FCRA Section 605 ( a ) FCRA Section 605 ( a ) 5 FCRA Section 605 ( c ) Metro 2 Reporting Standards

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 2025-02-23 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: Tower Loan of Mississippi, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to send me a 1099-C to eradicate the repossession they unauthorized put on my credit report. 
XXXX XXXX XXXX XXXX Collection/Chargeoff Auto Loans {$6000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$6000.00} Account Details 2 ) Tower Loan put this account on my credit report as charge off in XXXX when it wasn't on my credit when I paid it off in XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 26 Payment Frequency Monthly ( every month ) Worst Pay Status Unknown 3 ) XXXX XXXX XXXX XXXX XXXX has this on my credit report as late payments when my account has been updated XXXX XXXX XXXX XXXX 90 Days Late Personal Loans {$6100.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Amount Past Due {$440.00} Account Details According to all three credit reporting agencies all those accounts are not correct in that I didn't give permission for my credit report to accessed nonetheless items fraudulently placed on my report according to The law code for unauthorized reporting on a credit report is 15 U.S. Code 1681r which falls under the Fair Credit Reporting Act ( FCRA ). I request that those items be removed immediately from my credit report. 

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX All the other names and addresses are not mine. I want them removed as soon as possible due to data breach and information not correct according to Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681.

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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I 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 Regulations 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 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I did not consent, nor benefit from, or authorize any of the following Account : XXXX XXXX XXXX XXXX XXXXXXXX {$43000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX sent me a refund to a recently closed checking account, when i didnt get my money i called chase bank. Chase bank stated XXXX stole my money and put in a fraudulent report against them after going into a conference call between me, chase bank and XXXX. Chase bank also claimed they did not have my money and sent me on a verbal war with XXXX over my refund. A few days later I get a cashiers check from chase bank that turned out to be my refund from XXXX. Chase bank breached contract with me by lying to me about where my money was which is misrepresentation as well. Chase bank also slandered XXXX by specifically stating they stole my money when chase bank knew they already had my refund on its way to my mailing address. Chase bank couldve told me they sent a check out to my mailing address, instead they slandered a good business with serious accusations and violated contract between me as their client and them as a bank ( chase bank ). All Chase bank had to do was tell me they sent out a cashiers check to my mailing address, they chose to lie to me and violate federal and state law instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CT

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes. Specifically in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial insinuation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions was feasible. The cfpbs findings has shown that Zelle has not only failed to protect consumers but also allowed repeat offenders to abuse the system leaving us vulnerable to scams. I would like to be reimbursed for the following transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called to ask for support in adding my prepaid card to a digital wallet. In this case XXXXXXXX XXXX  I got on the phone with a representative and they walked me through adding the card to XXXXXXXX XXXX The card was unable to be added to XXXXXXXX XXXX  and I was put on hold. 17 minutes later the representative came back and told me to either " Use a different wallet or phone. '' Leaving my concerns unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$16000.00}, XXXX XXXX. {$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 non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MO

Complaint narrative:
Student Loans were consolidated on SAVE plan and should be on administrative forbearance with MOHELA. MOHELA XXXX has not provided accurate information about current balances due as the amount keeps changes. 

XXXX had my student loan of {$8000.00} that consolidated and transferred to MOHELA and now that amount is {$30000.00}. 

XXXX had my student loan of {$40000.00} that consolidated and transferred to MOHELA and now that amount is {$60000.00}. 

Monthly due payments keep changing and now Im past due but as I stated I should be on administrative pause/ forbearance for SAVE. 

Lastly, after my student loan get fixed with accurate information, all student loans shouldve been forgiven back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX, Pa XXXX Subject : **Dispute of Inaccurate Information under 15 U.S.C . 1681i** Dear Transunion, I am writing to formally dispute the following information on my credit report under **15 U.S.C. 1681i**, which requires you to investigate and correct any inaccurate or incomplete information. 

Upon reviewing my credit report, I found the following inaccurate item ( XXXX ) : - **Account Name** : XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX - **Disputed Information** : I have never had an account with XXXXXXXX XXXX  I believe this information is incorrect for the following reasons : I have never had an account with XXXXXXXX XXXX and have no knowledge of this account. 



- **Account Name** : XXXX XXXX XXXX **Account Number** : XXXX - **Disputed Information** : I have never had an account with XXXX XXXX I believe this information is incorrect for the following reasons : I have never had an account with XXXX XXXX  and have no knowledge of this account. 

Please investigate this matter and correct or remove the disputed information from my credit report. As required by **15 U.S.C. 1681i**, I expect you to conduct a reasonable investigation into the accuracy of this information, and I request that you notify me in writing of the outcome of the investigation within 30 days of receipt of this letter. 

In addition, I request that you provide me with the name, address, and phone number of any party that you contact in relation to this dispute, as well as any documentation that supports their findings. 

If any information is found to be inaccurate or unverifiable, I ask that you delete or correct it accordingly. Please provide me with an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I've been disputing this XXXX account on my credit report with the credit reporting agencies experian, transunion and equifax for the last 5 months but they have failed to conduct a proper investigation and continue to report the fraudulent account on my credit report I even filed a complaint and they did not address the fraudulent account and gave me a robotic response and extended the time on the resolution. This behavior is unacceptable AND unreasonable.

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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged a {$35.00} overdraft fee due to the balance being too low to cover their monthly {$10.00} maintenance fee when the balance dips below {$500.00}. I have repeatedly asked for a free checking account like I have with my credit union and they do not have any solutions. 
This monthly fee took my account balance to XXXX  and then overdrafted it which resulted in an additional {$35.00} charge which has taken me further negative to the tune of {$69.00}. Instead of them contacting me to ask me to add more funds, they just charged an overdraft fee. I asked them to close the account and they wouldn't allow it until I paid the {$35.00} overdraft fee and brought the account current. I did that and paid {$75.00} to include the {$35.00} fee even though I thought they weren't supposed to charge them. I will proceed in closing the account but I think they should reimburse and waive the fee I paid them.

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 monetary relief
Consumer complaint received 2025-02-23 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: ID

Complaint narrative:
I am writing to formally dispute the claim referenced as regarding civil liability for negligence and non-compliance. Upon reviewing the details of this matter, I believe that the claim is either unfounded or does not accurately represent the facts and legal obligations in question. 

The basis for my dispute includes the following points : Lack of Negligence The allegations fail to provide sufficient evidence demonstrating that I engaged in negligent actions that directly resulted in damages or harm. 

Non-Compliance Allegations There is no verifiable proof that I failed to adhere to legal or regulatory requirements as claimed. 

Inaccuracies in the Claim The details outlined in the claim contain factual errors, omissions, or misrepresentations that mischaracterize the situation.

Failure to Follow Due Process Proper procedures and notifications were not followed, which may render the claim invalid or unenforceable.

Unauthorized Use of Credit Report I have recently discovered that my credit report was used on the dark web, which raises serious concerns about potential identity theft and fraudulent activity. As a result, I request that my report be cleared of any fraudulent activity and my credit score be restored to its proper standing.

Given the above points, I respectfully request that this claim be reviewed and either amended, dismissed, or resolved in a manner that aligns with factual and legal accuracy. If necessary, I am open to further discussion and providing any additional documentation that supports my position.

Please confirm receipt of this letter and provide a formal response within [ 14-30 days ] from the date of this letter. If this matter is not resolved amicably, I may seek legal counsel or pursue alternative dispute resolution options.

I appreciate your prompt attention to this matter. Please direct any correspondence to me at the contact information listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: ID

Complaint narrative:
I am writing to formally dispute the claim referenced as regarding civil liability for negligence and non-compliance. Upon reviewing the details of this matter, I believe that the claim is either unfounded or does not accurately represent the facts and legal obligations in question. 

The basis for my dispute includes the following points : Lack of Negligence The allegations fail to provide sufficient evidence demonstrating that I engaged in negligent actions that directly resulted in damages or harm. 

Non-Compliance Allegations There is no verifiable proof that I failed to adhere to legal or regulatory requirements as claimed. 

Inaccuracies in the Claim The details outlined in the claim contain factual errors, omissions, or misrepresentations that mischaracterize the situation.

Failure to Follow Due Process Proper procedures and notifications were not followed, which may render the claim invalid or unenforceable.

Unauthorized Use of Credit Report I have recently discovered that my credit report was used on the dark web, which raises serious concerns about potential identity theft and fraudulent activity. As a result, I request that my report be cleared of any fraudulent activity and my credit score be restored to its proper standing.

Given the above points, I respectfully request that this claim be reviewed and either amended, dismissed, or resolved in a manner that aligns with factual and legal accuracy. If necessary, I am open to further discussion and providing any additional documentation that supports my position.

Please confirm receipt of this letter and provide a formal response within [ 14-30 days ] from the date of this letter. If this matter is not resolved amicably, I may seek legal counsel or pursue alternative dispute resolution options.

I appreciate your prompt attention to this matter. Please direct any correspondence to me at the contact information listed above. 

Sincerely, 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 2025-02-23 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: KEYCORP
State: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  ( XXXX ), KeyBank, and XXXX XXXX for multiple violations of federal and state consumer protection laws in connection with fraudulent debt collection, securitization violations, and continued reporting of charged-off debts that are legally uncollectible.

1. Attempting to Collect on Debts That Were Securitized & Discharged The debts in question were charged off, transferred into a trust, and securitized, meaning XXXX, KeyBank, and XXXX XXXX  no longer have any legal ownership or standing to collect. 
Per UCC Article 9 & federal securitization laws, once a debt has been transferred into a trust for securitization, the original creditor no longer has any right to collect or report it unless it repurchases the debt ( which did not occur ).

Despite this, the banks have continued to attempt collections and to report these accounts as outstanding, in violation of 15 U.S.C. 1692e ( False or Misleading Representations ) under the FDCPA. 
2. Failure to Validate Debt Under FDCPA & FCRA The Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) require that a debt be validated upon request.

These banks have failed to provide a proper chain of title or verification of the alleged debts in compliance with 15 U.S.C. 1692g ( Debt Validation Requirements ).

Without a lawful assignment or proof of ownership, these debts must be permanently removed.

3. Continued Reporting of Charged-Off & Securitized Accounts as Delinquent Under 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ), a creditor may not furnish inaccurate or unverifiable information.

These banks continue to report these debts as past due despite them being fully charged off and sold.

This constitutes reckless and willful misreporting under 15 U.S.C. 1681n, making them liable for damages.

4. Violation of the Truth in Lending Act ( TILA ) & Fair Credit Billing Act ( FCBA ) By continuing to misrepresent the status of these accounts, these entities have engaged in deceptive lending practices under 15 U.S.C. 1601 et seq. ( TILA ).

These banks have also violated 12 C.F.R. 1026 ( Regulation Z ), which mandates clear and accurate account disclosures.

5. Unlawful Attempt to Collect on Discharged & Time-Barred Debts Under state and federal laws, charged-off debts that are time-barred can not be collected on, sold, or reported as active delinquencies. 
The FTC and CFPB have fined banks for this practice, yet XXXX, KeyBank, and XXXX XXXX  continue to engage in it. 
This is a clear violation of the FDCPA, FCRA, and various state laws.

Company response to consumer: Closed with explanation