vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
**Subject : Formal Response to CFPB Complaint Demand for Immediate Action** To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Your response is both inadequate and unacceptable. It is your legal obligation under the **Fair Credit Reporting Act ( FCRA ) ** to conduct a fair and thorough reinvestigation of disputed information, yet you are attempting to shift the burden onto me without even acknowledging the details I have already provided. To be clear : I **demand an immediate and comprehensive reinvestigation** of the disputed record ( s ) as required by **15 U.S.C. 1681i ( a ) ** of the FCRA. The failure to conduct such an investigation within the legally mandated timeframe will be considered a violation of federal law. Here is what I require from Early Warning **without delay** : 1. A detailed and itemized explanation of the specific record ( s ) that you claim are in dispute. Your letter fails to provide any clarity, which suggests an attempt to evade accountability. 2. Proof that the financial institution reporting this information has verified its accuracy and validity. Under the FCRA, it is your responsibility to **independently verify** disputed records, not simply rely on unverifiable or outdated data. 3. Immediate removal of any inaccurate, unverified, or outdated information. If the reporting financial institution can not provide **documentary proof**, the law requires that the disputed record ( s ) be deleted **immediately**. 4. A formal response confirming that your agency is complying with all FCRA regulations, including my right to seek damages for any failure to investigate this dispute in good faith. Furthermore, should you fail to comply with your obligations under the FCRA, I am prepared to escalate this matter **immediately** through the CFPB, the Federal Trade Commission ( FTC ), and, if necessary, through legal action. I will not tolerate any attempt to obstruct or delay my right to accurate consumer reporting. You have **30 days** from the date of this letter to complete your reinvestigation and provide a written response detailing the resolution of this dispute. If I do not receive an appropriate resolution within this period, I will pursue all legal remedies available to me under federal law. I expect an immediate acknowledgment of this dispute, along with confirmation that my request is being processed. If you fail to comply, you will leave me no choice but to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: MN

Complaint narrative:
Back in XXXX I enquired about an {$800.00} loan. When she told me the 259 % interest, I declined. She transferred me to a man who convinced me to take out the loan as he told me I could pay it off early and not have to pay that much. I thought it would be a monthly payment but it has been weekly. I pay almost {$100.00} a week. I have paid {$2500.00} to date and my principal amount is {$600.00}. Is this legal? The people sounded like they are from XXXX. My current loan balance is {$930.00}. I will give this information to the FTC and Attorney Generals office as well. This sounds like a predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Request for Blocking of Negative Information Under 15 U.S.C. 1681c-2 Dear Equifax , Negatives items was reinserted on my credit report without proper investigation and I was never notified or identified any disclosure and its been more than 5 days, I never receive any certification of accuracy to prove this is information should be reinserted on my credit report. 

I am writing to formally request the blocking of certain negative information on my credit report pursuant to 15 U.S. Code 1681c-2, which governs the obligations of consumer reporting agencies regarding identity theft and inaccurate reporting. 

According to the statute, credit reporting agencies are required to block information that resulted from identity theft or other unauthorized transactions when a consumer provides the necessary documentation. I have identified the following negative items on my credit report that I believe are inaccurate or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I am providing the following supporting documentation to validate my claim and request the immediate blocking of these accounts : A copy of my government-issued ID A copy of a police report or identity theft affidavit Any additional evidence demonstrating the fraudulent nature of the accounts I request that these items be blocked and removed from my credit report immediately, as required by law. Additionally, please provide me with written confirmation of the actions taken regarding this request. 

Failure to comply with this request may result in further legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please confirm receipt of this request and provide a response within the time frame established by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
On XX/XX/XXXX, an unauthorized third party potentially accessed my data at the Department of Education that is protected by FERPA and the Privacy Act of 1974. There are multiple news agencies that have reported on this so the information on what happened is readily available.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
I sold a property in XXXX of XXXX  which I have proved via title paperwork, deed transfer, and county records. The debt collector, Transworld Systems is attempting to collect a debt for the property I sold for XXXX unpaid bills XX/XX/year>. I sold the property 6 months prior in XX/XX/year>. Transworld Systems has failed to prove that I'm the owner of the debt as I have provided 100 % evidence that I sold this property and the unpaid bills 6 months later are the responsibility of the new owner of the property. My credit score was at XXXX and Transworld Systems has caused financial harm by destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
The resolution I seek is the immediate removal and blocking of these incorrect accounts from my credit report. I truly hope this can be done promptly so that I can finally be free from the stress this situation has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
XXXX XXXX is falsely reporting account my account 30 days past due despite receiving a payment from me. XXXX XXXX renewed an installment loan with new terms and reported the old loan as past due after payoff. The previous loan was included in a identity theft and I informed them of this. Without my consent XXXX XXXX changed the term of a renewal loan and included the former balance in the terms, they did not provide a new contract terms, a billing statement or anything record and did not obtain my consent. AS A RESULT XXXX XXXX is violation of the FDCPA ACT and also the Truth in Lending Act. They're creating irreparable harm and falsely reporting the entire amount past due on my credit instead of the fact I made the correct payment. I have called several times and been Given conflicting given information by XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, Texas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
XXXX XXXX  is falsely reporting account my account 30 days past due despite receiving a payment from me. XXXX XXXX renewed an installment loan with new terms and reported the old loan as past due after payoff. The previous loan was included in a identity theft and I informed them of this. Without my consent XXXX XXXX  changed the term of a renewal loan and included the former balance in the terms, they did not provide a new contract terms, a billing statement or anything record and did not obtain my consent. AS A RESULT XXXX XXXX is violation of the FDCPA ACT and also the Truth in Lending Act. They're creating irreparable harm and falsely reporting the entire amount past due on my credit instead of the fact I made the correct payment. I have called several times and been Given conflicting given information by XXXXXXXX XXXX XXXX  in XXXX XXXX, Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
This morning, I noticed that my credit report contained errors, and I have no explanation for how they appeared. I regularly check my report, but this time, there were unexplained discrepancies. I even tried refreshing my browser to rule out a glitch, but the incorrect accounts did not disappear. As a result, I am requesting a careful review of the documents I have sent to ensure I never have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to see incorrect accounts listed, and I dont understand why. I routinely review my credit report, but this time, there were unexpected errors. I attempted to refresh my browser, hoping it was just a technical issue, but the inaccuracies remained. Because of this, I am requesting a detailed examination of the documents I have submitted so that I no longer have to worry about this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
After XXXX days of contacting customer service, I was told to place a ticket to request a refund. You have charged my account twice for my monthly fees. 
On XXXX, I was promised a {$240.00} refund for a XXXX XXXXXXXX annual charge. I received the refund in the form of an " account credit '' ( also XXXX, since you took it out as cash and by law it should have been refunded to my account ). 
On XXXX you deducted my monthly fees from the credit leaving me with a credit of {$170.00} ( I am assuming to be used next month and the following until the credit is exhausted. ) We are closed for the season so the credit will take a while to exhaust. 
On XXXX you ALSO charged my bank account {$75.00} Transaction id : XXXX XXXX XXXX : DEPOSIT ID : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached. 
I need you to either refund the {$240.00} back to my account as promised and the legal way to do it. Since you have already charged my XXXX fees to my bank, we would be square at this point OR refund the {$75.00} back to my account and we will do this all over again on the first of next month when you double charge me again using the credit and a bank with drawl. 
You will find the credit balance on my statement under the fees section. 
You will find the {$240.00} charge under my previous statement and the credit to my account on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-02-14 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: DE

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I contacted Bank of America about inaccurate info provided to credit bureaus causing denied loan applications and poor score as well as history the bank says they charged off my balance and closed accounts but I paid my balances before they would close the accounts I only was a few days late for one payment and was new to credit so I paid my balances and closed the accounts because I didn't understand what I was getting into the bank never reported any of my good history or balance paid on time and falsely stated a charge off and won't give me access to my statements for the two closed accounts but said they would send the statements in a month I would get it but never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CT

Complaint narrative:
I was the victim of identity theft and did not receive any services from XXXX XXXX. The collections company called The CBE Group , INC is either fraudulently or unknowingly asking for a debt that is not mine and the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-14 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive provided so that I can have peace of mind moving forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I am formally disputing fraudulent charges reported by XXXX  XXXX XXXX on my credit report. The account in question reflects unauthorized transactions that I did not make or authorize. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian conduct a thorough investigation and verify the accuracy of this information with documented proof, not simply an automated verification process. 

Additionally, under 15 U.S.C. 1681s-2, XXXX XXXX  XXXX , as a furnisher of credit information, is legally required to provide accurate and complete data. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly handle consumer disputes and verification procedures, I demand that Experian provide a detailed explanation of the method used to verify this disputed information.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request : 1. A description of the procedures used to determine the accuracy and completeness of the disputed information. 
XXXX. The name and contact details of the entity that verified the disputed charges. 
XXXX. Copies of any documentation relied upon for verification. 

If Experian is unable to properly verify the legitimacy of these charges within the 30-day period required by law, I request that this fraudulent information be permanently deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). 

Enclosed, I have included copies of police report. Please provide your response in writing. 

Thank you for your prompt attention to this matter. I expect full compliance with federal law and look forward to your resolution of this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am writing to formally submit a complaint against EverBank due to their failure to provide me with a critical document verifying that I did not place a hold or unauthorized charge on a transaction involving my sister, XXXX XXXX, who banks with XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/year>2024, I sent XXXX separate XXXX payments to her : {$20.00} {$170.00} Despite these payments being successfully sent, I am now being accused of placing a hold on them. In an effort to clear up this matter, I have contacted EverBank multiple times, yet I have been repeatedly given the runaround without a resolution

Company response to consumer: Closed with explanation