vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to follow up on my prior complaint regarding Select Portfolio Servicing ( SPS ) and to highlight their continued bad faith practices, which are causing irreparable harm to the loan they service on my behalf. 

In their most recent correspondence, SPS explicitly confirmed that they had paid the insurance for my property. However, they have now arbitrarily deleted the insurance information from their system. This action is entirely unjustified, as I have not sent any written communication requesting the cancellation of the escrow account or insurance payment. Despite my compliance with all requirements, SPS has unilaterally and without notice made changes that negatively impact the status of my loan. 

For your reference, I am including the insurance information that verifies coverage for the property in question. This documentation underscores that SPSs claim of canceling the insurance due to any action or inaction on my part is baseless. 

It is evident that SPSs conduct is both excessive and egregious. Their pattern of behavior, including altering loan-related records and failing to act transparently, is emblematic of predatory lending practices. This continued mistreatment has forced me into a marathon of written communications to seek redress for their actions, which adds unnecessary stress and administrative burden. 

I respectfully request that the CFPB investigate SPSs actions, hold them accountable for their bad faith practices, and ensure corrective measures are taken to prevent further harm. The systemic issues at SPS are indicative of a larger problem that affects not only me but likely many other borrowers as well. 

Thank you for your attention to this matter. Please let me know if any additional information or documentation is required. I look forward to your prompt assistance in addressing this issue. 

Sincerely, XXXX 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 2025-01-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was in a near fatal car accident. By the time I came to, everything with my insurance was paid off with the refund. Or so I thought, by this time I realized too late that it wasn't paid from the pay out and was automatically send to collections without me realizing, without proper communication from XXXX. I received a text message and derogatory mark on my credit from this collections agency and would like this account to be deleted from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to 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 2025-01-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.

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: 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: KY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

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 CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my XXXX credit report : Account Name : ABSOLUTE RESOLUTIONS INV Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, XXXX failed to conduct a proper investigation. Specifically : XXXX. Sham Investigations : XXXX failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
XXXX. Failure to Provide Investigation Results : The response I received from XXXX was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
XXXX. Potential Improper Reinsertion of Inaccurate Information : I am concerned that XXXX may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : FCRA XXXX ( a ) : Failure to conduct reasonable investigations of disputed information. 
FCRA XXXX ( XXXX ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
XXXX. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
XXXX. Remove Inaccurate or Unverifiable Information : If XXXX or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
XXXX. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
XXXX. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If XXXX can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I got a email my account was restricted from SOFI bank, I called immediately multiple times a day as instructed it says please call immediately to find out more information on your restricted account. 
They told me the only information they had was that my account was restricted the security team and theres nothing they can do. I even offered to speed up the process and provide and information they needed. I got no details on this and no way to have a resolution they are restricting my money and I cant pay my bills, I had to call work and get a new bank set up for my direct deposit. I have a direct deposit that went through the same day I got my account restricted. No one has tried to help or update me and its been a week. I contacted them 6 times in XXXX days and also Monday the XXXX for no updates still.

Sofi is an online bank so I cant reach out to them in person and I have no email or phone number to call for help besides the security team who provides no information. They just tell me I have to wait. I told them Id like to withdraw and cancel my bank with them as i dont trust their services anymore. 

My bank has a savings and checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: GA

Complaint narrative:
I paid XXXX on the self card to lower the payment it was applied to the other account t when I call twice said nothing can be done and in the process my credit score went down XXXX points I paid both the credit builder part and the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I, XXXX ; XXXX, living soul and Executor for the estate of, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly. 
The estate in question with associated social security number is FULL NAME : XXXX XXXX XXXX : XX/XX/year> LAST 4 OF SSN : XXXX ADDRESS : [ XXXX ] XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] Any and all names, addresses and employers listed outside the authorized information given by the estate in the above information is to be REMOVED IMMEDIATELY, anything that remains on the report after the request investigation will constitute trespass and you will be fined {$55000.00} USD for EACH inaccurate listing still remaining. 



The accounts in question are listed below as well as highlighted in the report attached. 
LATE PAYMENTS BEING UNLAWFULLY REPORTED : XXXX. XXXX XXXX XXXX XXXXXXXX ACCOUNTS UNLAWFULLY REPORTING CHARGE OFFS OR THAT HAVE BEEN SOLD TO 3RD PARTIES HAS BEEN HIGHLIGHTED IN THE REPORTS ATTACHED and listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 price 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 these violations.

Company response to consumer: Closed with explanation