vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC
State: AL

Complaint narrative:
I am writing to formally address concerns regarding the management of my account and to request immediate action to resolve ongoing issues. In XX/XX/XXXX, I made two payments toward my loan, which should have fully covered that months obligations. Despite this, I have not received any updates confirming these payments or reflecting them on my account. 

Additionally, I contacted your office in XX/XX/XXXX, to seek clarification on my account status and to address concerns about communication. During that call, I was informed that I had signed a document declining text messages. While this may apply to non-essential communications, it does not negate the agencys responsibility to provide critical updates regarding my account as part of your fiduciary duty. As a loan holder, I rely on timely and accurate account information, which was not provided. 

The agent, a female agent, I spoke with assured me that she would return my phone call to resolve the matter. However, no such follow-up occurred, highlighting a concerning lack of communication and responsiveness on BMG Moneys part. This failure to communicate has left me without the necessary information to manage my account effectively, potentially jeopardizing my financial standing. 

Given these circumstances, I am requesting that my XX/XX/XXXX payments be placed on hold or deferred to the end of the loan term. This adjustment will provide me the flexibility needed to complete XXXX XXXX XXXX XXXX XXXX which I previously informed your office about. It is imperative that the agency recognizes the financial strain this situation has caused and acts accordingly to provide relief. 

Furthermore, I urge BMG Money to improve its communication practices. As a financial institution, it is your obligation to maintain clear and consistent communication with your customers, especially when addressing issues related to loan management. The lack of a callback after my inquiry is unacceptable and must be addressed to prevent similar instances in the future. 

Please confirm receipt of this correspondence and advise on the next steps to resolve these concerns. I trust that BMG Money will address this matter promptly and work with me to reach a fair and equitable resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-22 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: FL

Complaint narrative:
All accounts were not invested correctly and still not being handed over 6 months till no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes partially in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and tracking these transactions were 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. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has neglected to provide credit report and score on transunion.com website for 45+ days and again today they tried to not answer why I'm unable to view the report by redirecting me to another site. When asked why I was not able to view my report on their site as I've done so many other times? Their response was : Sorry it's taking us longer than expected to reply. We will respond shortly. 
Info - XXXX XXXX You can download a copy of your report via XXXX XXXX XXXXXXXX  Currently, everyone is entitled to a copy of their report, free of charge, on a weekly basis from all 3 national credit bureaus. Keep in mind this report does not include your score. 

try this now 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 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
I called PennyMac regarding suspicious dealings. In XXXX I purchased my home for {$65000.00}. In 7 years I had paid down my loan to {$54000.00}. I spoke with someone in the loan department and was told that PennyMac purchased the loan fron another company in XX/XX/XXXX. Somehow on XX/XX/XXXX, PennyMac wiped out the {$11000.00} I'd paid over 7 years and added {$8000.00} more to my loan taking it up to {$62000.00}?! When I questioned PennyMac about it I was told that PennyMac had acquired the loan on XX/XX/XXXX, and the company before they bought the loan did this, which is contrary to my credit report which put their acquisition on XX/XX/XXXX!! PennyMac 's loan department talked to me over 1 hour trying to convince me otherwise. Also on XX/XX/XXXX, I'd paid down the {$62000.00} to {$61000.00}, but because of covid my loan went into forbearance for 1 year ; however after the 1 year was over they requested all the money or they'd put the amount on the back of the loan. Therefore I had to agree to their terms or lose my home! When checking the numbers I found out that PennyMac wiped out the {$670.00} I'd paid from the {$62000.00} and added another {$9500.00} taking my loan up to {$71000.00} with a additional 10 years ( XXXX to XXXX ), to pay off my loan?! I now owe PennyMac a little over {$65000.00}, more than I paid for my home 13 years?!!! I demanded all the documents ( over a month in total ) and have yet to receive them especially after I mentioned I'd be contacting a lawyer to look over the documents?? 

Thanking you in advance for the time you've taken out of your busy schedule to assist me with my concerns. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 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: TN

Complaint narrative:
Submitted several disputes/request for investigation for the following accounts that were inaccurately reported on my credit profile and needed to be removed. Each time, the agency has failed to complete a proper investigation and furnish documentation of accuracy and determined that the accounts were accurate and will remain on my credit profile : Ashro : I initially disputed this account as belonging to me when I learned of it in XXXX of XXXX. The company was no help so I turned to the credit bureaus. It was charged off by the company in XXXX of XXXX. I repeatedly disputed and requested documentation and none was provided. In XXXX of XXXX, it was reported as charged off again which doesn't make sense. I disputed that information and still, nothing was corrected or removed. 


XXXX : This account was closed in XX/XX/XXXX and should've stopped reporting on my profile in XX/XX/XXXX. I've disputed this several times and it remains on profile as " accurate ''. 

XXXX XXXX XXXX XXXX : This account was repeatedly disputed as it is inaccurately reported as belonging to me and requests for information have been unanswered and investigations result in account reporting as accurate. 

XXXX XXXX XXXX XXXX : This is another account that has been repeatedly disputed and it keeps getting passed around to different companies which results in the credit bereau investigations to report it as accurate. Information for accuracy has not been provided and account remains on profile.

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 2025-01-22 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: FL

Complaint narrative:
I was the victim of identity theft please remove my old addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX this address is XXXX XXXX XXXX and I don't live in XXXX  anymore also please remove an incorrect spelling of my name which is XXXX XXXX XXXX that is NOT MY NAME.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: MD

Complaint narrative:
Received a CashApp card ( XX/XX/year> ) that I did not sign up for with instructions to create an account. Immediately called to figure out who signed up and how since I did not and have my credit report frozen. Have not received any information since. Just learned about the following XXXX XXXX XXXX  so decided to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Portfolio Recovery Associates for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Portfolio Recovery Associates continues to report this unvalidated debt inaccurately on my credit report. In addition, Portfolio Recovery Associates is not authorized to conduct business in the state of XXXX  as per XXXXXXXX. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, Portfolio Recovery Associates is not complying with these legal obligations.

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for [ Debt Collection Agency ] 's failure to comply with federal law and their neglect in handling this matter. 
Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in a small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. 
I expect Portfolio Recovery Associates to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
THE ACCOUNT BEEN USE WITHOUT MY PERMISSION AS A OPEN ACCOUNT AND HAVE SEND LETTERS TO FIX THE PROBLEM AS WELL.DID THE I.D AND SELFIE PICTURE OVER THE PHONE PLUS CREDIT SCORE DROP FOR NO REASON AS I NOT USING IT AT ALL AT THE TIME PLEASE FIX YOUR COMPANY PROBLEM BY LAW AND CODES THAT THE COMPANY HAVE TO GO BY.THE I.D IS WITH THE LETTER AS WELL..

THANK YOU BUT HERE IS ANOTHER INQUIRY REMOVAL LETTER l XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specically as it related to credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this XXXX goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of XXXX a complaint with the Consumer Financial Protection Bureau and the Attorney Generals Office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certied letter may result in a small claims action against your company, seeking {$1000.00} per violation 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX P.S . Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION Credit Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Accounts Due to identity Theft Dear TRANSUNION Agency I am Writing to formally request the removal of certain accounts from my credit report that I did not open and are results of identity Theft. 
My Name is XXXX XXXX XXXX My Social Security is XXXX Back in XX/XX/XXXX upon reviewing my credit report, I noticed the fallowing accounts that I believe were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Accounts are not mine, and I have taken steps to report this identity Teft to the appropriate authorities. I have my purse stolen in XXXX and again in XXXX. At this moment I don't have handy that information from the police report as has been a while ago, since I notices all this accounts in my credit report, I been filing multiple Complaints through their preceptive agency and so far, none of them has giving me a validation of the debt. Under the Fair Credit Reporting Act. ( FCRA ) and the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request a validation of any reported debt I can dispute these accounts. Or request the IRS Form 1099-c ( cancelation of the debt ) None of this information has been provided to me by any of the collection agencies or your Company XXXX All my disputes are returned as verified and updated to stay on my credit with no Proof of method of verification by your company. Or any of the Collection agencies I already submitted this form and request. If none of this debt can not be validated or if there is evidence of errors, I can request that the account be removed from my credit report. 
If the creditor or debt collector continues to report unverifiable or inaccurate information, I will consider filing a complaint. For monetary relief for this pain and stress this situation is causing me. 

I kindly request that you investigate these accounts and remove them from my credit report as soon as possible. Under the Fair credit reporting act, I have the right to dispute any information that is inaccurate or incomplete. 
Please confirm receipt of this request and let me know the outcome of your investigation. I appreciate your assistance in resolving this matter promptly. 
Thank you for your attention to this urgent issue. 
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 non-monetary relief