vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXXXXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXX Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been a claimant in the Class Action Lawsuit, Case No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navient Solutions , LLC, Navient Credit Finance Corporation . I got to the finish line of this 12+ year lawsuit and submitted a claim. My four XXXX XXXX Loans, as part of the settlement agreement, should have been " forgiven '' and a reimbursement check of {$130000.00} sent to me. The Settlement Administrator notified me as they progressed to the payment portion of the settlement, that Navient had denied my claim as Navient does not own my loans. This is not true. I have tried to contact the attorneys on both sides of this lawsuit, but no one will respond. I did write to Navient via the website and received this affirmation of Navient owning my loans : XXXX, Thank you for contacting us regarding the Lender of your loans.

The current lender of your loans is Navient XXXX XXXX XXXX. The ownership did not leave Navient, Navient has held your loans since 2014 when Sallie Mae and

Navient split into two separate entities. We appreciate the opportunity to serve you.

Best Regards, XXXX, Loan Servicing Specialist I need help making Navient honor the settlement of this lawsuit, forgive my four XXXX XXXX loans, and reimburse me payments made when they should have been returned due to the loan 's validity.


I have many files I can send to back up my claims and show Navient is not being truthful or fulfilling its obligation to the settlement agreement. I am certain that there are many others that may have had their claims denied with fictitious reasons as well. Please help. Can you ask XXXX XXXX XXXX XXXX  office to help too? 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My personal information on my credit profile is incorrect, and therefore, the late payments from XXXX XXXX  in XX/XX/XXXX and from XXXX  XXXX XXXX in XX/XX/XXXX should not be reported by XXXX compliance standards. This is inaccurate information and violates my rights as a consumer. I have been disputing these inaccuracies since XX/XX/XXXX and they are still violating my rights almost 90 days later. 
The personal information on my report that is incorrect is my name. Since I am the second born person, ( XXXX XXXX XXXX XXXX ) and my father 's name was XXXX XXXX XXXX XXXX. There is a major margin for error in my report. The bureaus are reporting inaccurate information. 
XXXX is reporting " XXXX XXXX XXXX '', Experian is reporting " XXXX XXXX XXXX '', and Equifax is just reporting " XXXX XXXX ''. There are three different names linked to my report now, causing me difficulties while disputing the false information. I most recently submitted another dispute to Equifax on XX/XX/XXXX to continue my case, however, I may need additional help from the CFPB to ensure my rights don't continue to get violated. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Denefits LLC
State: FL

Complaint narrative:
XX/XX/XXXX/2024 XXXX Try to contact company no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: PA

Complaint narrative:
Dear To Whom It May Concern I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach there could be a direct impact on my financial security and privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 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 2025-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I've sent Westlake Portfolio Management a notice XX/XX/year>, certified mail with a XXXX form through USPS I have yet to receive. They've been harassing me, constantly sending me dunning letters after I requested them to stop, and they have even repossessed my car that is paid off through U.S Auto Sales ( U.S. AUTO FINANCE, INC ) who filed for bankruptcy and breached our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Security Finance at XXXX and spoke with their representative XXXX in customer support ( no last name was provided ) regarding a fraudulent loan that was taken out in my name. The fraudulent loan was taken out on XX/XX/XXXX in the amount of {$2200.00}. When XXXX went to look up my information, none of my correct information was in their system since I did not take out this loan. I had to provide correct phone number and mailing address. XXXX informed me that they would mail me a " fraud packet '' so that they can investigate the loan. 
On XX/XX/XXXX, I received the " fraud packet '' from Security Finance. On XX/XX/XXXX, the packet was mailed. Enclosed I provided Security Finance with the following required documents : XXXX. Notarized ID Theft Affidavit, XXXX. Copy of Driver 's License and SS Card, XXXX. Proof of Residency ( during time of loan ), XXXX. Police Report, and XXXX. My signature signed XXXX separate times. I also included a cover letter personal statement. I mailed the fraud packet to Security Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
TD Bank Mortgage Complaint I made my mortgage payment on XX/XX/XXXX for the XX/XX/XXXX payment prior to the end of the month to satisfy payment prior to being made before the end of the month. 

Due to this being a Saturday and a banking holiday on XX/XX/XXXX and XX/XX/XXXX being a Sunday TD Bank did not withdraw the payment and consider the payment made until XX/XX/XXXX. 

I attempted to discuss this with TD as well as submitting an electronic dispute of the credit delinquency and have not been able to rectify this with TD Bank directly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 Zelle 's handling of disputes, especially 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 properly. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Company stated the information was verified and accurate but did not provide original documents with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX {$0.00} -- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$10000.00} -- Derogatory Individual Account not disputed Credit Unions Closed Collection/Chargeoff Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 

{$0.00} XX/XX/XXXX -- {$10000.00} Credit Card Please remove from my Experian profile immediately. As per 15 U.S Code 5 168 1b.

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 2025-02-09 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: MA

Complaint narrative:
this account was charged off on the following date XXXX. Since then the account has repeatedly been updated as charged off every month. this is an update in the payment history. A charged off account should not include an active payment history. this inaccurate information falsely manipulates the statute of my limitations. you failed to investigate this account properly and neglect has violated my rights. i am demanding a deletion of the following acounts XXXX XXXX experian XXXX XXXX equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: LA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Deletion To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent reporting of my First Digital account across all three credit bureausExperian, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, and First Digital is currently in violation of this right. 

The reporting of this account is inconsistent across the bureaus, with differing balances, payment histories, and other details. Such discrepancies indicate a failure in proper reporting, and as you may be aware, both XXXX and XXXX have faced legal action for similar violations. As a consumer, I am fully within my rights to seek legal recourse for each violation of the FCRA that First Digital has committed. 

Furthermore, this account was charged off, yet I was never issued a 1099-C for cancellation of debt, which raises further concerns about the accuracy and legality of this reporting. Given these violations and inaccuracies, I formally request the removal of this account from all three credit bureaus.

I have attached copies of my credit reports highlighting the discrepancies, as well as any supporting documentation relevant to this matter. I expect a thorough investigation and a written response confirming the deletion of this inaccurate account. 

Failure to correct these errors may result in further action, including but not limited to legal proceedings. Please treat this matter with the urgency it requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 disputes, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers, but also allowed repeated offenders to exploit systems, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raise a serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is a final demand for immediate repayment of {$2900.00}, which Chase has wrongfully withheld in violation of Regulation E ( 12 CFR 1005 ) and 38 U.S.C. 5301 ( protection of VA XXXX benefits ). 

On XX/XX/XXXX, I revoked authorization for multiple unauthorized transactions, including XXXX XXXX, ATM withdrawals, and other charges ( full list attached ). 

On XX/XX/XXXX, I revoked all authorization for XXXX XXXX transactions. However, Chase failed to act on this revocation. 

On XX/XX/XXXX, I submitted a formal revocation of authorization for all disputed transactions. Instead of processing it as a revocation, Chase wrongfully categorized it as a dispute, violating Regulation E. 

Chase had no legal right to process or withhold these transactions beyond XX/XX/XXXX but continued to wrongfully withhold my funds. 

These funds include VA XXXX benefits, which are federally protected from wrongful seizure under 38 U.S.C. 5301.

Under Regulation E ( 12 CFR 1005.11 ), Chase was required to immediately cease processing revoked transactions and return my funds, but instead, they mishandled my revocation, kept my money, and caused further financial harm. 

Chase initially issued provisional credit but then debited it back three times, violating Regulation Es consumer protection rules and unlawfully reclaiming funds that were legally mine the moment they were issued.

Chases actions constitute : Wrongful conversion of my funds.

Negligence in handling unauthorized transactions.

A direct violation of 38 U.S.C. 5301, as VA XXXX benefits can not be seized, reversed, or reallocated without consent. 


I am not requesting a reinvestigationI am demanding immediate repayment. 

If Chase fails to comply immediately, I will : File a lawsuit in Ohio XXXX XXXX XXXX against Chase for wrongful conversion. 

Report Chases violations to the XXXX and the XXXX XXXX XXXX 


I have attached a certified demand letter, which has also been sent to Chases dispute resolution department. Chase must immediately return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AES/PHEAA
State: DC

Complaint narrative:
IN REGARDS TO THIS PHEAA THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( XXXX U.S.C. 552a ) ( b ) Conditions of Disclosure. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( XXXX ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
This also violates the XXXX XXXX ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the XXXX XXXX, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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