vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Here is the updated dispute letter with the requested changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Notice of Legal Action Under FCRA and CFPA Dear Experian, I am writing to formally dispute multiple inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5481 ]. This letter serves as a legal demand for correction and a notice of intent to pursue legal action if compliance is not achieved. 

The following accounts and inquiries are inaccurate or unauthorized : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX ( Account ending in XXXX ) 8. All soft inquiries Violations Cited : Failure to Conduct a Reasonable Reinvestigation ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] ) : Your failure to conduct a proper reinvestigation of disputed accounts violates the FCRA.

Failure to Notify and Forward All Relevant Information ( [ 15 U.S.C. 1681i ( a ) ( 2 ) ] ) : Experian is obligated to notify furnishers of disputes and provide all documentation submitted by the consumer.

Failure to Assure Maximum Possible Accuracy ( [ 15 U.S.C. 1681e ( b ) ] ) : Inaccurate information remains on my credit file, impacting my financial reputation.

Unlawful Reinsertion of Deleted Information ( [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( C ) ] ) : Reinsertions have been made without proper certification or notification.

Remedies Demanded : 1. Immediate removal of all inaccurate accounts and inquiries listed above. 
2. Compensation of {$1000.00} per violation for damages caused by Experians noncompliance, as allowed under [ 15 U.S.C. 1681n and 1681o ].

3. Full written notice of the results of the reinvestigation and updated credit reports reflecting the corrections made.

Failure to comply with this demand within 30 days of receipt will result in the initiation of a lawsuit to enforce my rights under the FCRA and CFPA. This letter also constitutes my pre-suit notification. 

Please direct all correspondence regarding this matter to the address provided above. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I must address an important matter regarding Navients servicing practices related to my account. Throughout my experience, I relied on Navients communications to stay informed about my loan status. At no point did I fail to meet my responsibilities as a borrower to remain in good standing and pursue options for loan management and forgiveness. Despite my efforts, which included regularly contacting Navient and submitting necessary applications, I received repeated denials for student loan forgiveness. Unfortunately, I was not informed that my loan had entered default status ; instead, Navients correspondence consistently indicated that my account was in deferment or forbearance, never notifying me that my loans were actually in default. 

Had Navient provided clear information that my loans were in default, I would have immediately pursued an appropriate program to rehabilitate my loans. Instead, Navient continued to advise that my loans were ineligible for forgiveness without disclosing the reason was due to the default status. This lack of transparency left me under the impression that my loans were in forbearance and misled me away from the necessary steps to resolve my account status and regain eligibility. 

Given these circumstances, I am requesting a thorough review of my account history and a resolution that addresses these miscommunications and omissions. I am hopeful that the CFPB can provide guidance or assistance in ensuring that because of these injustices, my loans are considered paid off. Due to the lawsuit against Navient for my relief, I am asking for all of my loans to be paid off. 

Thank you for your attention to this matter. Please feel free to reach out if any additional information is needed from my end. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA allowed an unauthorized withdrawal from my account to XXXX XXXX of {$1300.00} on XX/XX/year>. I never authorized this

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 Electric 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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of 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 2025-01-20 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the account XXXX XXXX XXXX opened in opened in XX/XX/XXXX with a balance of {$1800.00} was previously disputed and found to be a fraudulent account was put back on my credit report which violates my rights under the Fair Debt Collections Practices Act ( FDCPA ). I also noticed that I previously disputed the accounts XXXX opened in opened in XX/XX/XXXX with a balance of {$8800.00} and XXXX Opened in XX/XX/XXXX with a balance of {$4400.00}, which I asked to be legally removed within 4 business days due to Inaccurate reporting across all bureaus, identity theft, and deficiency balance claim.

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 2025-01-20 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the account XXXX XXXX XXXX opened in opened in XX/XX/XXXX with a balance of {$1800.00} was previously disputed and found to be a fraudulent account was put back on my credit report which violates my rights under the Fair Debt Collections Practices Act ( FDCPA ). I also noticed that I previously disputed the accounts XXXX opened in opened in XX/XX/XXXX with a balance of {$8800.00} and XXXX Opened in XX/XX/XXXX with a balance of {$4400.00}, which I asked to be legally removed within 4 business days due to Inaccurate reporting across all bureaus, identity theft, and deficiency balance claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is in regard to XXXX XXXX re-inserted on Equifax credit report. XX/XX/year> the account was removed and deleted, by XX/XX/year>, the account was illegally re-inserted, see images attached. I was never notified of within 5 business days of reinsertion and the account should be removed. I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 5 ) ( B ), related to the reinsertion of previously deleted account information on my credit report. The following actions by Equifax constitute violations of the law : Certification from the Furnisher : Equifax illegally reinserted an account onto my credit report without obtaining proper certification from the furnisher of the information. Under the law, before any information is reinserted, Equifax is required to obtain certification from the furnisher that the data is accurate and complete. This requirement was not fulfilled in my case.

Notification Within Five Business Days : Equifax did not notify me within five business days of the reinsertion of the disputed information, as mandated by the law. I was not informed of the reinserted data in a timely manner, depriving me of my right to dispute the reinsertion. 

Failure to Properly Verify the Accuracy of the Information : Equifax failed to properly verify the accuracy of the reinserted information. I had previously disputed this account, and the information was deleted after a proper investigation. However, Equifax did not ensure that the data was accurate before reintroducing it to my credit report. 

Failure to Maintain a System to Prevent Unauthorized Reinsertion : Equifax has failed to maintain an adequate system to prevent the unauthorized reinsertion of disputed or inaccurate information onto my credit report. This failure has resulted in the unlawful reappearance of the account in question, negatively impacting my credit report.

I respectfully request that the CFPB investigate these actions by Equifax, and take appropriate measures to ensure compliance with the Fair Credit Reporting Act, particularly 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I also request that Equifax be required to remove this unlawfully reinserted information from my credit report and provide me with the necessary documentation proving compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concerns regarding the recent data breach that affected Bank of America customers, including myself. According to reports, the breach occurred in XX/XX/XXXX, exposing the personal information of over XXXX customers due to a ransomware attack on a service provider. However, I am deeply troubled by the fact that customers, including myself, were not notified until XX/XX/XXXX. 

The delay in notification has put me at significant risk of identity theft and financial harm. As a loyal customer, I trusted Bank of America to safeguard my personal information and provide timely updates in the event of any security incident. The lack of prompt communication and transparency is unacceptable and has caused me considerable distress. 

I kindly request a detailed explanation regarding the breach, the specific data compromised, and the measures being taken to protect affected customers moving forward. Additionally, I would like to know if I am eligible for any remedies or compensation due to the potential risks I now face. 

I appreciate your immediate attention to this matter and expect a prompt response addressing my concerns. 

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 2025-01-20 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 filling a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer 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 Electric Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NC

Complaint narrative:
This company has not provided the investigation for companies that have put false information on my report

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 2025-01-20 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:
This company has not provided the investigation for companies that have put false information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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. I was informed 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Accidentally sent money to someone else before it asked if I was sure I wanted to send money to that person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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