vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$96000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-01-27 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:
Experian has failed to fulfill its legal obligation under 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 to furnishers, accepting unreliable responses, and failing to adequately notify consumers-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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my 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 2025-01-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nathan & Nathan, P.C.
State: AL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for actions they took in XXXX regarding student loan debts from XXXX. I was sued by these entities in XX/XX/XXXX for loans I was unaware of and for which I have been making payments under a settlement agreement arranged by my attorney. 

I would like to bring to your attention the following details : Lawsuit Details : I was sued by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XX/XX/XXXX. These loans date back to XXXX, and I was completely unaware of any outstanding obligations at the time. The lawsuit came more than XXXX  years after the alleged loans were originated. 

Bankruptcy XXXX : I filed for bankruptcy, which was XXXX in XXXX. I was under the impression that these loans were included in the discharge. However, I later discovered that the loan holders attempted to collect the debt well after the bankruptcy discharge and several years of inactivity. 

Payment Plan : To resolve the matter and avoid further litigation, I worked with my attorney, XXXX XXXX XXXX of XXXX Law Firm in Alabama. He negotiated a settlement plan whereby I agreed to a payment schedule of {$25.00} per month for each case involved, totaling {$50.00} per month. This was to prevent any further legal action from being taken against me. 

Given the long period of inactivity and my bankruptcy discharge, I would like to understand if the actions of these companies, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, are in compliance with relevant consumer protection laws, including the Fair Debt Collection Practices Act and the Bankruptcy XXXX. 

I request that the CFPB investigate this matter to determine whether any violations occurred, and if so, to assist in holding the appropriate parties accountable. 

Thank you for your time and attention to this issue. Please let me know if you require any further documentation or information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I hope this letter finds you well. I am writing to file a formal complaint regarding an issue with the dispute process I initiated with XXXX and Experian, which has yet to be resolved to my satisfaction. 

In XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, I submitted disputes to both XXXX and Experian concerning inaccuracies on my credit report. Despite my efforts to address these discrepancies, the disputes were either not properly resolved or were not thoroughly investigated in line with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have reason to believe that : Inadequate Investigation : XXXX and Experian did not conduct a sufficient investigation into the disputed items. 
Failure to Remove Inaccuracies : The inaccuracies that were disputed were not removed or corrected from my credit reports within the statutory time frame. 
Lack of Detailed Reporting : I did not receive the requisite detailed explanations or any adequate documentation from either credit bureau regarding their actions taken to resolve my disputes. 
These unresolved issues have had a negative impact on my credit profile, and I am requesting that the CFPB intervene and ensure that the credit bureaus fulfill their obligations to conduct a thorough investigation as outlined by law. 

I am requesting your assistance to facilitate a proper resolution of my dispute. Please let me know if you need any additional information or documentation to assist with your inquiry into this matter. 

Thank you for your time and attention to this important issue. I look forward to your prompt response and resolution of 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against cash app ( Block , INC ) due to inadequate customer service and unfair practices, which violate the customer 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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted all 3 credit bureau over the last 2 years requesting incorrect information be removed from my credit reports. They dont even have my legal married name on my credit reports. They have violated 15 USC 1681. 6B, 3N, 1681, 1A, 1. 15USC. They have removed items and return them to my report over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I did not enter into a contractual agreement with this entity and do not know of them. And they have been harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Recently, I requested verification of the method used to investigate the inaccuracies on my credit report. Unfortunately, I have not received a response from the credit reporting agencies. I believe that Experian, XXXX, and XXXX have conducted inadequate investigations into my disputes, failing to address them properly. This has caused significant financial hardship and led to missed opportunities. 
I am deeply concerned that my disputes may have been mishandled in violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that credit reporting agencies conduct proper investigations into consumer disputes and provide clear and comprehensible results. Additionally, inaccurate or unverifiable information must be corrected or removed from credit reports promptly. 

In this case, the agencies have failed to meet their obligations. Therefore, I request the following actions : If the investigation concludes that the disputed information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
I request written confirmation of the actions taken in response to this dispute, including details of any corrections or removals made to my credit report. 
I trust that the CFPB will investigate this matter thoroughly to ensure compliance with federal regulations and to hold the credit reporting agencies accountable for their obligations under the FCRA. 

Thank you for your attention to this matter. I look forward to your response and 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 2025-01-27 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: OH

Complaint narrative:
I am writing to formally dispute certain hard inquiries that were made on my credit report, which I believe were unauthorized or made without my consent. Upon reviewing my credit report, I noticed several inquiries that I do not recognize and do not recall authorizing. 

The inquiries in question are listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I request that you investigate and remove these unauthorized inquiries from my credit report, as they do not reflect my permission and may be impacting my credit score.

Please review the information and, if these inquiries can not be verified as being authorized by me, I ask that you remove them promptly in compliance with the Fair Credit Reporting Act ( FCRA ). I understand that under the FCRA, any inquiry that can not be verified must be removed.

Kindly confirm the removal of these inquiries within 30 days of your receipt of this letter, as required by law. I appreciate your immediate attention to this matter and look forward to a prompt resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

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 regulation E. These actions have and caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Deputy Chief Clerk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Re : Rebuttal of Credit Debt Claim - Case Number : XXXX Plaintiff : XXXX XXXXXXXX Defendant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am writing to formally contest the validity of the debt you claim I owe, as referenced in your correspondence dated Capital One- Case Number : XXXX. I believe that there are inaccuracies in your account, and I would like to address them. 
First and foremost, I request that you provide me with a detailed breakdown of the alleged debt. According to the Fair Debt Collection Practices Act, I am entitled to request validation of the debt, including the original creditor 's name, the amount owed, and any associated account numbers. Please provide this information within the next 30 days to ensure clarity on this matter. Additionally, I would like to point out that my records indicate that the account in question may have discrepancies. Specifically, Account was opened XX/XX/XXXX, credit line authorized for XXXX, during this I have filled all obligations in maintaining agreement with XXXX XXXX XXXX XXXX I have attached all supporting documentation as payments made, through my parent account. I believe that these discrepancies could significantly alter the amount you claim I owe. 
Furthermore, I would like to highlight that I disputed the amount charged off was incorrect and payments were being made. XXXX XXXX chose to no longer accept payments in XX/XX/XXXX, when XXXX  XXXX closed the account without notice I owed at the time XXXX, the day XXXX XXXX  closed the account a XXXX dollar posted leaving a balance of XXXX dollar not XXXX, I had also set up monthly payments until the balance was resolved even though XXXX XXXXXXXX select and decide not to accept payments XX/XX/XXXX, this information is crucial for resolving this matter and ensuring that my credit report accurately reflects my financial history. Until this dispute is resolved and I receive the requested information, I ask that you cease all collection activities related to this account. Failure to do so may result in a formal complaint being filed with the Consumer Financial Protection Bureau.

I also have video from my security camera showing a process server coming and leaving paperwork and than coming back 2 hours later and removing the paperwork it wasn't until I went to three different courts to find out this law firm filed a suit against me without serving me paperwork Thank you for your attention to this matter. I look forward to your prompt response and to resolving this issue amicably. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
The mortgage loan was with XXXX and then sold to Planet Home Lending. Planet Home Lending states I owe over XXXX XXXX XXXX but I am current with my payments. It does not look like my escrow was transferred to the new company therefore looking like I am in default. No one is working with me in this matter and Planet Home is continuing to state I owe XXXX although I have complete payment history for my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Union blocked/restricted me from adding a new payment method when my old bank account was used by mistake and the payment didn't go through. I have asked to have that ability reset, they have refused and tried to make me pay a third-party collection agent that I would have to pay extra for. I should be able to make that update and continue paying my balance. Instead, they are delaying that and allowing more debt to incur on my account and damage my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
Spring oaks capital called and said I owed for purchasing jewelry from a state I do not live in and I told the that it was fraudulent and to send me the paperwork on it but have yet to receive any information and I am still being called daily about this debt that's not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Funds were not transferred in a timely manner accruing additional fees when awaiting clearance. Fees were not credited to my account.

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 2025-01-27 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: CO

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate ; XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX - {$1900.00} XXXX XXXX XXXX XXXX - {$1300.00} XXXX XXXX XXXX XXXX - {$1000.00} XXXXXXXX XXXX - {$900.00} XXXXXXXX XXXX XXXX  - {$470.00} XXXX XXXX XXXX - {$300.00}

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 explanation
Consumer complaint received 2025-01-27 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am sending this complaint to formally demand the removal of an inaccurate late payment reported on my credit profile. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

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 non-monetary relief