vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Funding, XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Debt Collection Activities Dear Sir/Madam, I am writing to formally request that XXXX Funding immediately cease and desist all communication with me regarding the alleged debt referenced under account numbers XXXX specific, I am requesting that XXXX Funding stop all phone calls, letters, emails, or other forms of communication regarding this matter. Please note that I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I assert my right to request that you stop all communication with me. 
In particular, I request that you cease the following activities : Cease all phone calls to my home or mobile phone regarding this alleged debt. 
Stop sending any further letters or written communications demanding payment or threatening legal action. 
Cease reporting this debt to credit bureaus, or provide proof that you are legally authorized to do so. 
If you do not have valid documentation supporting the debt, please provide proof of the debt ( e.g., a copy of the original signed agreement or judgment ). 
Please be advised that under the FDCPA, I am entitled to dispute the debt, and if you do not respond with verification of the debt within 30 days, you must remove any negative marks associated with this debt from my credit report. 
If you continue any further collection activity or attempt to contact me after receiving this letter, I will consider taking appropriate legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney general 's office. Additionally, I reserve the right to take legal action for any harassment or violation of my rights under the FDCPA. I trust that this matter will be resolved in a timely manner Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 XXXX  financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
This company contacted me as an attorney ( I specifically asked them if they are an attorney and they said they are in fact a law office ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.

Complaint narrative:
I was a guarantor for my friend 's apartment rental lease. She has always maintained good credit standing. 

On XX/XX/XXXX, without any prior notice, I received an email informing me of a collection on my credit report. 

After checking the details, I immediately contacted my friend. She confirmed it was from her previous rental management company. When asked about any unpaid final bills, she explained that she likely missed notifications because her school email account had been discontinued. She immediately attempted to contact the property management company through multiple channels ( phone calls and in-person visits to the leasing office ) to pay the debt and request removal of the collection record. We emphasized that we had never received any communication about this debt before the collection agency notice. 

Although we have paid the property management company in full later, they have not removed the collection record despite their promises to do so. The property manager appears to be deliberately avoiding our attempts to resolve this issue. 

XXXX : XX/XX/XXXX discovered collection record on my credit report with no prior communication from the property management. ( I received only one move-out bill email in XX/XX/XXXX, with no subsequent overdue notices. I had assumed my friend paid this bill. ) XX/XX/XXXX called the leasing office ; no answer XX/XX/XXXX visited the leasing office ; no staff present XX/XX/XXXX visited the leasing office ; staff provided payment instructions ( money order ) and promised the manager would delete the collection record XX/XX/XXXX visited the leasing office ; no one present despite note stating " back in XXXX minutes '' XX/XX/XXXX delivered money order to leasing office and received payment receipt ; manager promised to delete collection record XX/XX/XXXX contacted collection company ; they had no record of property management 's deletion request or payment update. Sent email to leasing office requesting collection record deletion statement. No response received to date. 
XX/XX/XXXX visited office ; informed manager would only be in office on XX/XX/XXXX XX/XX/XXXX made XXXX phone calls to leasing office ; no answer XX/XX/XXXX leasing office staff said manager was sick and would return on XX/XX/XXXX XX/XX/XXXX leasing office staff said manager was not present XX/XX/XXXX leasing office staff said manager was still sick and others can not handle this matter XX/XX/XXXX collection account reported as " Derogatory '' XX/XX/XXXX leasing office staff said manager was not present

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 2025-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CMG Financial Services, Inc.
State: OK

Complaint narrative:
I submitted a request for help, forbareance from my mortgage company in XX/XX/year>. I received a letter stating I was denied only because I was not more than 61 days late. I am only in this situation because of their loan officer and affiliation with the builder. So that fact that they refuse to help me because I am doing everything not to XXXX up my credit and my life, is ridicules and not right! I just retired from the XXXX XXXX and this duplex was suppose to be my saving grace in retirement yet it has only been my nightmare. I have not heard of the only way to get help is to be more than 61 days behind. This builder their builder refuses to fix anything on my home making it unlivable and this mortgage company thinks they are not responsible for putting me in this situation but they are. I still have not even had my 11 month nail pop and door adjustment that I need. My floors are coming up, crazy humidity in the home mold on the AC unit in the attic, trim/caulking coming away from the walls, pipes coming undone behind the wall ( which my insurance company is suing the builder as well ), and the list goes on. I sent them an email XXXX XXXX with lots of documentation and no reply. They are the only reason I am in this mess forcing me to close on this home and I told them it was not up to part. Now I am stuck with his nightmare and they want even help me by reducing my interest rate. I can't afford to ruin my credit now that I am retired and I want. I will give my last breathe to try and pay this yet I should not have to struggle like this for something they did to me! I feel this company is only saying no because they are in bed with the builder. I have the email from their lender telling me I had to close on the home. I spoke to him over the phone twice at closing trying not to buy this home. I was bullied into buying this home by this lender, now they want help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-23 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: TX

Complaint narrative:
I filed a dispute on XXXX, XXXX XXXX XXXX due to being not properly investigated. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-23 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute a reasonable reinvestigation o disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has either corrected or remove dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigates my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of any disputes. Furthermore, XXXX actions may also contravene the Consumer. Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted In the CFPB 's recent administrative proceeding.

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 2025-01-23 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
State: VA

Complaint narrative:
Since 2020, Navy Federal Credit Union has authorized transactions to go through my account even though the funds were not sufficient enough to cover the transaction amount, and then proceeding to charge me an overdraft fee. This has happened on numerous occasions since Ive been a member. Ive called them about this and theyve said I have overdraft protection, but I clearly do not when this has happened so many times. They havent been of any assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filling 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 2025-01-23 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted over XXXX disputes which have not been resolved on behalf of : XXXX XXXX XXXX for Original creditor : XXXX XXXX XXXX XXXX  which I identified as fraudulent on my consumer report. I have submitted an FTC report, along with a dispute letter with no response. I have also contacted XXXX XXXX XXXX  which verified the account as accurate but could not provide me a signed contract with my picture ID attached to verify this account was made by myself. XXXX XXXX XXXX informed me they were collecting a debt for XXXX XXXX XXXX XXXX ; however, after contacting the apts I was informed that they have no contract and information of said account in their files for validation. Therefore, I am wondering how this account is verified by both Experian and XXXX XXXX XXXX and is still appearing to negatively affect my consumer profile. Per 15 USC 1681i ( a ) ( 1 ) ( A ) this is a violation of subsection ( f ) and subsection ( g ) as this has not been investigated according to by laws and has been an excessive amount of time past 60 days of this account not being verified and removed from my credit file. 

I KINDLY ASK, that CFPB look further into this matter as I have done my due diligence and have not received a response from Experian or XXXX XXXX XXXX in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Global Lending Services LLC
State: OH

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation