vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to formally request that Westlake Financial Services cease the continued negative impact on my credit report regarding a vehicle loan I had with your company over seven years ago. Despite my repeated efforts to resolve this matter amicably, your company has refused to cooperate, leaving me with no choice but to escalate this complaint. 

At the time of purchasing the vehicle, I was a XXXX XXXX student with limited financial resources. I made a {$7000.00} down payment and was committed to paying nearly {$900.00} per month. Unfortunately, I experienced XXXX XXXX XXXX  challenges, including XXXX, which ultimately led to the loss of my job. Realizing I could no longer afford the payments, I proactively contacted XXXX XXXX to explain my situation and notify you that I would be unable to continue paying for the vehicle. 

Instead of offering any support or alternative solutions, your company repossessed the car without prior notice and failed to return my personal belongings, some of which were of significant value. This lack of communication and disregard for my property was both unprofessional and distressing. 

In the years since, I have attempted to settle the outstanding balance in good faith. However, I was told that even a settlement payment would not prevent further damage to my credit unless I paid the full {$17000.00} you are demanding. This approach feels punitive, especially given my efforts to resolve the situation responsibly. The information reported on my credit file is incorrect and does not reflect the reality of the situation. 

It has now been over XXXX years, and this debt continues to severely affect my credit standing, preventing me from rebuilding my financial life. Everyone deserves a second chance, but your continued actions are making it impossible for me to move forward. 

I am requesting the following actions be taken immediately : Debt Forgiveness : Given the circumstances surrounding this debt, I am requesting that XXXX XXXX forgive the remaining balance. 
Removal from Credit Report : I also request that this account be removed from my credit report, as the information currently reported is inaccurate and outdated. 
If this matter is not resolved promptly, I will have no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. I also reserve the right to seek legal counsel to explore my options for addressing the mishandling of my personal property and the inaccurate reporting on my credit file. 

I hope to resolve this matter quickly and amicably. I look forward to your prompt response.

Company response to consumer: Closed with explanation
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: NJ

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 an address fraud on their platform, leaving my account vulnerable and unprotected.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
I have been on autopay with EdFinancial for the entirety of my student loan repayment time ( XXXX graduate ). My loans went into forebearance in XX/XX/XXXX, however I continued to allow autopay in order to pay down the principal. EdFinancial shows no record of payment since XX/XX/XXXX and denies having received any payments from me, although my bank statements show proof of {$260.00} being taken out every month. I want proof that my payments have been received and that the entire amount has gone to principal, not interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their collection practices associated with the above-referenced account. 

XXXXDetails of the Complaint : ** XXXX. **Unverified Debt : ** I have requested validation of the debt through a 609 letter, but I have not received the necessary documentation to prove that I am responsible for this debt. 

XXXX. **Failure to Cease Collection Activities : ** Despite my request for validation, XXXX XXXX XXXX has continued to pursue collection efforts, which I believe violates the Fair Debt Collection Practices Act. 

XXXX. XXXXInaccurate Reporting : If applicable, describe any inaccuracies in your credit report related to this debt. 

XXXX. I started the dispute with XXXX around the end of XXXX of 2024 to XXXX and have not really been no help. This issue start around the Pandemic with original collector when we both my agreement if I pay a certain amount, my debt we not be in collections. 

Account Number : XXXX I am seeking assistance from the CFPB to resolve this matter. I would like XXXX XXXX XXXX to cease all collection activities until proper validation is provided, and I would appreciate any guidance on further actions I can take. 

Thank you for your attention to this important 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 explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Transunion legal, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX inquiry date : XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX inquiry dater : XX/XX/XXXX Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 
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 explanation
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of the following erroneous information : ( see attached ) I am providing supporting documentation, including FTC Report and 605B letter, which clearly demonstrates that this information is incorrect.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against Experian and Equifax for failing to conduct proper reinvestigations of consumer disputes and unlawfully reinserting previously removed inaccuracies into credit reports. The CFPB 's lawsuit alleges violations of the FCRA, particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct a reasonable reinvestigation within 30 days of receiving a dispute.

Furthermore, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), data furnishers are required to report only accurate and complete information to credit reporting agencies. Given the legal precedent set by recent CFPB actions, I expect full compliance with your obligations under the FCRA. 

If your reinvestigation does not resolve this dispute, please provide a detailed explanation of the steps taken, along with the method used to verify the disputed information, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I request that you update my credit file accordingly and send me a written confirmation of the correction. If you fail to comply, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and seek legal remedies. 

Please confirm receipt of this letter and inform me of the results of your reinvestigation

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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Accounts said I owe company I did not get loans from and they been placed on all 3 credit reports. Information is false.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the account listed under XXXX XXXX and an inaccurate address on my credit report because it is not mine, and I have no knowledge of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or fraudulent information on my credit report. I request that this account be removed immediately unless verified with proper documentation. If Experian can not verify the accuracy of this account, it must be deleted per FCRA regulations. I am willing to provide any necessary information to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
They say they allow third party check deposits but kept my daughters check and closed my checking account. They never gave my daughter her check back. It was a check advance for her taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
We have always had an escrow account with our loan. Shockingly, at some point when PHH Mortgage took over as the servicer for my loan, they started to misapply my escrow payments towards principal reductions. There was no reason for this, other than bank error. This led to creating an escrow shortage in my account and increasing my monthly payment when they did their escrow analysis.

When we discovered that payments were mis-applied, i called my previous servicer, PHH Mortgage , to resolve the issue. At this point, they said that it wasn't their responsibility anymore since servicing had been transferred to XXXX XXXX. Then I called XXXX XXXX to have my loan corrected and they said it wasn't their responsibility since the errors were made by the previous servicer. 

After doing some research and comparing my amortization schedule with my current principal balance, there is {$2800.00} in principal reductions that never should have taken place. These mortgage servicers have admitted fault but provided no resolution to the problem. 

Please see mortgage statement dated XX/XX/year> attached. Specifically look at the explanation/breakdown of amount due. Then look at how the past payment was applied.

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 — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A JP Morgan Chase check for {$110000.00} payable to me, XXXX XXXX was lost in the mail and fraudulently cashed on XX/XX/XXXX. 
In response to a CFPB complaint, after 15 days, on XX/XX/XXXX, JP Morgan Chase responded as follows : We are sorry for the inconvenience this matter has caused you. To initiate the process to get your funds, the maker of the check, XXXX XXXX and XXXX XXXX XXXX, must file a claim for the unauthorized check deposit with our Claims Department. 
Although the maker XXXX has initiated the process and it has been about 40 days since the check was cashed Chase Claims Department has not responded to the claim. 
This is my retirement check. As a XXXX  XXXX  retiree it will help to have the funds as soon as possible.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have a derogatory credit account on my Experian credit report. The account has been there for years and it was fraud, but since I was never able to prove the fraud it has remained there. For years it has shown that it will be removed from my credit report as of XX/XX/year>. I pulled my report as of today XX/XX/year> and now the indication that it will be removed as of that date is no longer showing. I have a screenshot of my report from XX/XX/year> showing that the report did indicate the removal date. Why has that been removed all of a sudden the same month that it was supposed to be removed.

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: 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 any 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 of 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 2025-02-04 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 any 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 of 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
This happened on XXXX, XXXX with Robin Hood and they were no help. I opened my account to a notification that my account was under review and I could not make any transactions during this time. Then they proceeded to sell every share of a stock I owned this made the balance of my XXXX  {$26000.00}. I tried to email Robinhood since they have no customer service number then the weekend passed and it was still locked I could not with draw anything and it said my balance was just in cash in the account. Then today XXXX, XXXX I received a notification that my account was done under review and I was able to withdraw the money but with that their is {$4500.00} missing out of my balance. This said that I only had {$22000.00} to withdraw which is wrong and when I try to contact them they are no help and its over email and they don't respond. They proceeded to say i have 60 days to take my balance out of the account or the money is gone because they are deactivating the account. I have tried to contact support plenty of times and I get nothing. In the account their is no record of them showing where that money went. I have picture proof of the balances the shares that were sold and everything else.

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: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Prosper Market Place Inc Account # XXXX has violated my rights to privacy. 

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't furnish an account without my written instruction.

I sent the company a request for a 1099-C for a debt they charge-off as lost income meaning by law i can claim as income for me and file such income on my taxes. I never received a responds from them now I'm escalating the matter to a complaint.

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: NY

Complaint narrative:
I need you to carefully review this complaint, as it is both intentional and urgent. My credit report contains mixed and inaccurate informationaccounts, transactions, and items that I have no connection to. This issue is deeply troubling and has been causing me considerable stress and XXXX. I am extremely concerned about the potential long-term damage to my credit and overall financial health.

Company response to consumer: Closed with explanation