vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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 some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I found unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the incorrect accounts remained. Given this issue, I kindly request a thorough review of the documents Ive provided to ensure I wont have to deal with this problem again.

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 2025-01-21 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: AL

Complaint narrative:
Please check the information concerning the equifax below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 requirement 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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have the Apple Card by Goldman Sachs and I bought an XXXX from XXXX with my Apple Card thinking there would be no interest because Im using their card as advertised but I am being charged interest and they did not specify that I have to let them know before purchasing so I have been paying for interest when its adverted no interest for XXXX products with the Apple Card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am disputing inaccurate information that is on my credit report In regards to my XX/XX/XXXXXXXX account/ ( XXXX XXXX which it has been over 7 years and needs to be removed )XX/XX/XXXX and XX/XX/XXXX Is reporting negative history inaccurate information for the same creditors and should be deleted from my report credit after submitting my documentations they still has incorrect/inaccurate information still remains on my credit report CFPB has took action against Equifax XXXX and highlights how this supporting my claim of their non-compliance specifically.This impacted me in such a harmful financial way. I have been denied credit for the last 3 years Because of inaccurate reporting information on my credit report I couldn't even purchase a home because of Equifax incorrect information on my credit report.There lack of investigation & Reinvestigation is unacceptable I've sent multiple dispute letters sending my supporting documents to support my rights to have those inaccurate reporting removed from my credit they currently have XXXX XXXX that account is from 2016 and it still remains on my report on my which I have asked several times to have it removed XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX is two different companies reporting for the same account.In which I only paid XXXX XXXX before my account begin negative.In which I paid to XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-21 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: AZ

Complaint narrative:
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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

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 XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

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

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

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

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

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

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 2025-01-21 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of 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 neither corrected nor removed disputed 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 Experian 's inaction violates federal law and my rights as a consumer. 
Proof is cfpb complaint ID XXXX submitted XX/XX/scrub>/2024. which was reported verified to cfpb and in also included dispute results from Experian as attachments as well,

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 2025-01-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX

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: IL

Complaint narrative:
My dispute as not properly investigated by the credit reporting company " experian ''. They still have collections on my account that should be removed and they are also reporting false information.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I had discovered my personal information is involved with the equifax data breach that occurred in 2017. I had. Filed a claim with equifax data breach and submitted evidence of how my life has been impacted and can not restore any of the theft and fraudulent claims to all my the accounts on my credit report, and I am still suffering and discovering more unusual fraudulent activity with my personal information till this day. I have been keeping up with updates about the case logging into account to see if any updates or case settled or any status since the past 6 years. Now that the case has finally recieved a settlement and issues its victims reimbursements who have been part of the breach I get a email telling me my claim has been denied for not submitting the documents as requested which is not true I did submit everything. Also XXXX cant reach anyone or contact anyone for this reason of why is my claim denied or why wasnt I notified in advance. I was not able to even get the equifax protection plan that they offered to claimants involved, no identity restoration or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by 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 2025-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I have been trying to correct this mortgage issue of mine for many many years and each time I get closer to getting it done Mr Cooper hits me with some other discriminatory and predatory tactic against XXXX veterans. 

I filed a claim through this site maybe 6 months or a year ago things seem to be on a good path and then last XX/XX/XXXX with my Mr Cooper representative XXXX XXXX we submitted another complete application for modification and Mr Cooper all they had to do was apply me to the veteran rules and the XXXX or whatever else the VA has said many times they will pre-approved any problem with my loan that's how much trust they have in me and so on XX/XX/XXXX when I applied for one last final and complete time, Mr. COOPER had all the way until XX/XX/XXXX of XXXX to get me into the XXXX or whatever programs would allow me to get a new loan even just a straight Plain XXXX 40-year loan with or without the XXXX I don't know how that works but I know I was eligible and then one week ago I'll say XX/XX/XXXX I was informed by Mr Cooper that I was denied this last application for modification and the ONLY reason was because the delinquency requirement maximum is 6 months under the XXXX  apparently, well when she told me last week I was 61 months delinquent. 

I couldn't believe it my head just about turned inside out! COOPER had my application from XX/XX/XXXX all the way until XX/XX/XXXX and they couldn't get it approved and then they notify me 19 days after the closing of the program that I'm not eligible because I'm one month over the maximum delinquency months for this program even though when we started Sep. XXXX XXXX, I was 5 months under. 
This is unacceptable practices against a XXXX veteran and I am going to point that out as my lawsuit against Mr Cooper continues. 

I do not accept this recent egregious discriminatory and predatory loan method against XXXX veterans. 

I'm an XXXX  and I will get law involved this is discriminatory Behavior predatory behavior against XXXX veterans that need help and need a house there's no reason why Mr Cooper can not assist me and work with me instead of constantly working against me and they drugged their feet for 4 months 5 months drug their feet and then one week ago in XXXX of XXXX they tell me I am ineligible for this modification because I am 61 months in delinquency when they can only allow 60. Well when I applied in XX/XX/XXXX of XXXX I was about 55 months delinquent I had extra months and Mr Cooper wasted those months and decided to come out after the deadline had ended and tell me oh gee sorry we're so sorry you don't qualify that is unacceptable and I will take it as high in the court system as I need to I am tired of Mr Cooper doing this to me I'm only one little guy For Heaven 's Sake fix my loan so that I can pay it get me the right rules that apply to me and talk to the VA they have approved every pre-approval known to man.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 redresst for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
am writing to formally express my concerns regarding a potential breach of privacy associated with my Cash App account. Recently, I encountered issues that have led me to question the security of my personal information. The nature of these concerns has prompted me to reflect on the overall security measures in place to protect users data, and I am genuinely worried about the possibility that my privacy may have been compromised. 

Given the importance of safeguarding sensitive personal data, I respectfully request that Cash App conduct a thorough investigation into this matter. I would greatly appreciate understanding the steps being taken to resolve this issue and any actions being implemented to strengthen security moving forward. As a user, it is essential for me to feel confident in the safety and confidentiality of my information. 

Thank you for your attention to this matter. I look forward to a timely and thoughtful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
debit card purchases and/or ATM withdrawals will remain in a pending status for several days.these transactions should process automatically and have no reason to be pending for 3 days. This causes the account to reflect an inaccurate available balance Then your hit with overdraft fees each time because you have spent more money than was actually available. 
Also I received a letter threatening to close my account because it had been overdrawn for more than 21 days. I am paid biweekly and use the account for direct deposit every two weeks. My account has NEVER BEEN overdrawn for over 21days. I have been charged many overdraft fees because of the delayed payment posting process. I feel this practice is waste and abusive fees being charged. 
I have reached out to the bank regarding this issue more than once and nothing has changed or even provided a logical solution. 
The picture attached was taken on XX/XX/year> and shows debit card transactions from XXXX XXXX  still pending. I have also attached a picture of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern ; I am writing to file a formal complaint regarding an inaccurate bankruptcy entry on my credit report. Despite having disputed this issue directly with the credit reporting agencies ( XXXX, XXXX, and TransUnion ), the incorrect bankruptcy information continues to appear on my credit report, which is adversely affecting my credit score and financial well-being. I have disputed the inaccurate bankruptcy entry with the credit report ( see attached letters ) doing nothing. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus investigate and correct this inaccurate information in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I would like the bankruptcy entry to be accurately reflected or removed from my credit report if it is found to be in error. 

I have attached copies of my credit reports from the credit bureaus showing the inaccurate bankruptcy information, as well as relevant correspondence with the credit bureaus regarding this dispute. 

Please let me know if further documentation is required to assist in resolving this issue. I look forward to your prompt attention to this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief