vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
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 XXXX XXXX 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 XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX 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 XXXX 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 XXXX 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 Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. 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. Many, like myself, are not able to pay off these loans. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 service 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 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 Regulstion 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation : Formal Dispute of Debt and Request for Verification To Whom It May Concern, I am writing to formally dispute the debt you claim I owe, referenced as Account Number : [ XXXX ]. I believe this debt is invalid and request full validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Furthermore, under the XXXX XXXX ( XXXX XXXX. XXXX ), I am exercising my right to privacy regarding my financial information. This statute mandates financial institutions and their affiliates to clearly disclose how they share consumer information and to provide consumers the option to opt out. If your organization has obtained or shared my personal information without providing me with such disclosures or an opportunity to opt out, you may be in violation of federal law.

To resolve this matter, I request that you provide the following : 1. **Verification of Debt** : Proof that the alleged debt is valid and owed by me, including : - A copy of the original contract or agreement bearing my wet signature. 
- A complete accounting of the debt, including the original creditor, principal, interest, fees, and payment history. 

XXXX. **Compliance with XXXX** : Evidence that my personal information was handled in compliance with 15 U.S.C. 6802, including : - Disclosure of how my information was obtained. 
- Evidence of your adherence to privacy and opt-out requirements. 

Until these requests are fulfilled and the debt is validated, I demand that you cease all collection activities, including reporting this debt to credit reporting agencies, as required under the FDCPA. Reporting invalid or unverifiable debts to credit bureaus violates my rights and could result in legal action. 

Please consider this letter a formal notice under 15 U.S.C. 1692c ( c ) to cease all communication with me except to confirm receipt of this dispute or provide the requested documentation.

Failure to comply with these requests may result in a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney general 's office. I also reserve the right to pursue legal action for violations of federal and state law. 

I expect a written response and the requested documentation within 30 days of receipt of this letter. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I discovered that someone was making payments via ACH-debits directly out of my JP Morgan Chase checking account. I did not recognize any of the vendors receiving my funds. I contact Chase 's claim department immediately and opened a claim for XXXX different transactions totaling over {$16000.00}. I went to a Chase branch office on XX/XX/year> and froze the account. Within days Chase responded and denied my claim essentially saying there were previous transactions with these vendors in addition to the XXXX and since they were not challenged Chase deemed these XXXX transactions were valid and authorized. I informed them that was not the case. Upon further examination I discovered use of ACH-Debits from my account started in XX/XX/year>. I opened multiple claims to ensure all encompassed the initial debits made to each vendor. Chase would eventually approve a claim that included debits made from XX/XX/year> through XX/XX/year> about {$9000.00}. The perpetrators use this methodology to fraudulently remove over {$35000.00} from my account but Chase only agreed to credit my account by {$9000.00} leaving over {$20000.00} lost. Chase subsequently denied all my other claims stating they exceeded the 60 day window which I challenged as several of the transaction on my initial claim were from XX/XX/year>. Chase has stood behind their decision and will not reverse or even research the issue. I did find out from Chase later on they never even investigated who was doing this... they denied my claims saying they all exceeded the 60 day window. When I asked why then did Chase approve my claim for charges from XX/XX/year> into XX/XX/year>, which were well beyond the 60 day window they did not provide a response and reiterated all my other claims were denied due to the 60 day window. 

I have gone out on my own to contact the vendors who received my funds but they won't work with me as 1 ) I don't have an account with them, 2 ) they would not disclose who their customer was that was using the funds due to privacy concerns. They told me to work with my bank, Chase, who would then file a claim with them and they could investigate but again, Chase will not investigate stating the claims are too old.

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: AL

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 solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significate 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

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

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 2025-01-20 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: LA

Complaint narrative:
The initial investigation conducted by Equifax was not in accordance with 15 U.S.C. 1681 ( a ) ( e ), which defines an investigative consumer report. Specifically, the FCRA requires that consumer reports based on an investigative report must include information gathered through personal interviews with individuals such as neighbors, friends, or associates. However, I believe that the investigation into my dispute did not follow these procedures, and I have not been provided with sufficient documentation supporting the investigation process. In addition, I would like to reference a CFPB finding regarding Equifaxs violation of the FCRAs requirements for investigating and processing consumer disputes. According to the CFPB, Equifax : Failed to thoroughly investigate consumer disputes : Equifaxs dispute process limited consumers ability to fully describe their disputes, often failing to consider relevant information submitted by consumers or ignoring contradictory evidence in the furnishers response. Failed to prevent previously deleted errors from reappearing : Equifax lacked systems to block previously removed information from being re-reported, which harmed consumers who were forced to send repeated disputes due to unresolved or recurring inaccuracies. Put inaccurate data and identity theft-related information on consumer reports : Equifax failed XXXX detect or block information tied to identity theft and incorrectly reported inaccurate credit data. These findings indicate that Equifax has employed similarly flawed processes that were not in compliance with the FCRA, including the failure to conduct a thorough and fair investigation of my dispute. I request that the CFPB to compel Equifax to follow the required procedures for investigating my dispute, and I respectfully ask for a reinvestigation into the disputed late payment entries. I have included Equifax 's response previously which indicates Equifax confirmed it's findings or verification through the creditor ( XXXX XXXX ) and this is a direct violation of 15 U.S.C. 1681 ( a ) ( e ). Please see attached supporting documents.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: KS

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 proces 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 39 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: NJ

Complaint narrative:
I attended XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. I was total would be approximately {$30000.00} and my total tuition was {$65000.00}. I was lied to about the assistance I would be given in obtaining field work, which I never got. I was also lied to about the jobs that were available to me after obtaining my degree. I was not ale to work for over a year after graduation, because I could not find employment with this degree and NOT EVEN XXXX XXXX  would hire me after I applied there! They lied about the classes I needed to take to graduate, which cost me more money and more time. All of my evidence has been submitted to FSA as required.

I am only one of thousands of defrauded students and alumni who attended XXXX XXXX. I am urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

The Department of Education has already found significant evidence of misconduct by XXXX XXXX  in the case of XXXX et al. v. XXXX XXXX, XXXX et al. The lawsuit claimed that XXXX misled students about the time and cost of completing their program, and that XXXX 's enrollment advisers gave students false information about the program. 

The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

Delaying action only prolongs the harm caused by this
predatory institution, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, 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.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates call me a few times about an account. When I finally answered the guy that I talked to could not provide me with who the company was that the debit was with. He gave me two different companies. I then said which company is it. He put me on hold. When he came back he told me a third company name and I then told him I paid XXXX and have proof that I did. I asked him to send me debt validation letter, paperwork where I signed, account numbers and full record of purchase. I NEVER got anything in the mail. A few months later I get lawyer advertisement in the mail saying I am being taking to court by Portfolio recovery. I NEVER was served paper work or anything. I am going to just show up in court tomorrow because I do not want this company to say I did not show up and they win. This is TOTALLY NOT RIGHT. Please help me.

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: DISCOVER BANK
State: PA

Complaint narrative:
I am writing to formally request an investigation into Discover Financial Services regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by Discover Financial Services will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately.

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders Discover 's reporting of this account inaccurate.

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.

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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For 3-4 years Ive throughly explained to Experian that a collection on my account is incorrect, not mine and not accurate. There were multiple addresses Ive disputed or tried to dispute with the company and theyve removed a few. However, one of the addresses they decided was inaccurate and decided to remove is tied to a collection that they are NOT thoroughly investigating or doing their part to remove from my report. Its been YEARS! The address was deemed inaccurate but the collection with the same address is not??!! I need this removed!! It doesnt make any sense!!!!

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