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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe incorrect credit reporting and things that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Flexible Finance, Inc.
State: MI

Complaint narrative:
Flex withdrew my rent payment from my bank account but failed to process the payment to my property. This issue stems from a previous error in XX/XX/XXXX when Flex incorrectly processed my rent, leading to a past-due balance. Due to this past-due balancecaused by Flexs own system failurethey refused to process my XX/XX/XXXX rent payment, even though they had already taken the funds from my bank account. 

XX/XX/XXXX : I paid my rent through Flex as I do every month. 
Due to technical issues with the Flex app, I contacted their support team twice to confirm my rent was fully processed. 
I was assured by a Flex support representative that my payment was complete and no further action was needed. 
Later, I found out that Flex had incorrectly processed my rent, leaving an outstanding balance that I was unaware of. 

XX/XX/XXXX : I was notified of a past-due balance, which I later confirmed was caused by Flexs failure to correctly process my XXXX payment. 
I reached out to Flex to dispute this and requested they cover the balance since it was their systems mistake. 
Instead of acknowledging responsibility, they blamed my property and refused to take action. 

XX/XX/XXXX : I submitted my first rent payment for XXXX through the Flex app, as I normally do. 
Flex withdrew the funds from my bank account. 

XX/XX/XXXX : Flex refused to process my rent payment, claiming that the property had listed an outstanding balance. However, this balance existed only because of Flexs XXXX mistake. 

They failed to notify me in advance that they would not process my XXXX rent. 
I was told that I could withdraw the funds manually and pay my rent myself, even though Flex had already taken my money. 

XX/XX/XXXX : My property informed me they never received my XXXX rent payment. 
I checked my bank account and saw that Flex had withdrawn the funds but never transferred them to my property. 
I reached out to Flex demanding a resolution, and they again refused to take responsibility for the issue they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
My personal and financial data was illegally accessed and used. Compromising my data is a violation of FERPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 to formally express my concerns regarding Zelles 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 CFPBs 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 2025-02-10 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 violates the Consumer Finance 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My personal and financial information was compromised without my authorization.

The family educational rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Last month when I tried open a new bank account because of issues with XXXX XXXX checking account I found I had a Chase account bank account. Chase told me the account was closed and they would do further investigation to see about getting me information legally to me.. you spoke since quoted did it hurt my credit record I quoted I have to write to know about all things on my credit record whether it was harmful or not. And I wanted to know what activity was done in my name because i am the victim giving fraudulent and scammers rights over a American Citizen who is not taking from a innocent who gives Chase bank the right to say no activity on the account for years and i said thats seems odd to keep the account open with no activity for years and told the account was closed. I called the Fraud Department of Chase twice to get a confirmation number case number or something. Spokesman told me he had to do his research to see what could be disclosed to me.XXXX late that night XXXX? early morning i was looking into getting a buying a house loan to get my mail properly and grow. Applying on Chase House Loan i was informed i all ready had a Chase account. AGAIN My research determined rocket was a house leaning company. I never got a refund for the ACH transfer rocket to business.Transaction that was charged to my personal bank account. IF Chase had closed my account two months later it should not be the issue when i log into a Chase website to find out i still have a bank account with chase not only that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no proper professional.truth about what rights i have as a victim of this incident by a higher up, inform to speak with me about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Under Federal HIPPA Laws and under American Disability Act, it is illegal to place XXXX on a credit report as Equifax has. This is private HIPPA information and an ADA Federal Law violation discriminatory act having a XXXX on report vs a normal person. This must be deleted immediately otherwise my attorney will see full compensatory and punitive damages against Equifax as well as the ADA Complaint with the ADA and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXXAccount number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 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: AZ

Complaint narrative:
This collection agency has sent me links via text message with this account with multiple wrong addresses. Addresses I have never lived at before. I have had neighbors on the XXXX app post my mail with their address on it quoting they " keep receiving mail to their address '' with my name on it. When I went to pick it up from them I opened all the pieces of mail from XXXX with 2 different addresses on it, along with 2 different balances. This debt in no way has been validated despite my multiple attempts. I have disputed twice with Experian and each time they respond in less than an hour saying it is correct and will remain on my report. With absolutely zero proof or validation of the debt. I will provide proof of this. 
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 systematic 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 Experians 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 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I paid off the mortgage loan on XX/XX/scrub>/2024. I used this mortgage loan to purchase a co-op apartment. The XXXX XXXX Termination was filed on or around XX/XX/year>2024 by NationStar Mortgage LLC to theXX/XX/XXXX ( XXXX ). However, the lender has not returned the proprietary lease, the stock certificate and the original promissory note for the loan to me yet. The co-op board/management advised me that the standard practice is the lender to release these documents directly to me as the Shareholder of the unit and as their customer. I want the lender to let me know where these documents were sent, or if they have been lost. If the lender is unable to locate my original documents, I want to request the lender pay to replace them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: HW Holding, Inc
State: CA

Complaint narrative:
There are charges and addresses on my report that I have no idea about. When I contacted them they coupd not or would not give me any information because they say since Im disputing these accounts it not my information to have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There are charges and addresses on my report that I have no idea about. When I contacted them they coupd not or would not give me any information because they say since Im disputing these accounts it not my information to have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/year>2023 XX/XX/XXXX XX/XX/XXXX/2023 XX/XX/XXXXXXXX XXXX/XXXX/2023XX/XX/XXXXXX/XX/XXXX XXXX/XXXX/2023 XXXXXX/XX/XXXXXXXX XXXX/XXXX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
I'VE BEEN WORKING WITH THE OFFICE OF THE CONSUMER AFFAIRS TO DISPUTE FRAUD ACCOUNTS ON MY CREDIT FILE WITH EQUIFAX AND I'M GETTING NO WERE. I TALKED TO A LADY IN THE OFFICE OF THE CONSUMER AFFAIRS ON FRIDAY OF THIS WEEK AND SHE STATED HER HANDS ARE TIED BECAUSE SHE DOESN'T EVEN HAVE A OPTION TO DELETE OR SEND TO THE BACK OFFICE TO HAVE BLOCK PER THE DOCUMENTS I HAVE MAILED TO THEM. SHE DID STATED THE POLICE REPORT AND COURT DOCUMENTS HAVE BEEN VERIFIED HAS VERIFIED AND SHE CANT EVEN ATTACHED THE DOCUMENTS TO THE DISPUTE. SHE STATED THAT ACTUALLY AT FAIR REPORTING ACT PROBLEM AND EQUIFAX KNOWS IT AND THEY WANT LET ANYONE FIX AND HEAD PEOPLE OF EQUIFAX TOLD THEM NOT TO SAY ANYTHING. I HAVE SEVERAL ACCOUNTS ON MY CREDIT FILE THAT ARE FRAUD AND EQUIFAX KNOWS IT. THEY WANT HELP ME AND THEN THEY SAY IT WILL BE FIXED IN 3 DAYS AND THE ACCOUNTS WILL BE REMOVED AND BLOCKED PER THE POLICE REPORT AND FTC REPORT I MAILED IN. NEVER HAPPENS, IT CRAZY HOW THEY SAY SEND US PROOF AND WE WILL HELP AND THEN THEY SAY WE WILL DELETE THE FRAUD ACCOUNTS AND NOTHING HAPPENS. NOW MORE ACCOUNTS ARE HITTING MY FILE THAT ARE FRAUD AND NOW THE ACCOUNTS UNDER DISPUTE THE BANKS AND CREDITORS ARE UPDATING THEM ARE LEGIT AND I HAVE THE PROOF THEY AREN'T AND EQUIFAX HAS IT AND NOTHING GETS DONE. THIS WRONG ON ALL COUNTS, I WILL NOT STAND FOR IT AND IM A NEWS REPORT AND I WILL EXPOSE EQUIFAX FOR THIS. THEY ARE ALLOWING PEOPLE TO USE MY IDENTITY AND NOT ALLOW ANY PROOF TO BE USED BUT THE BANKS HAVE FULL CONTROL OVER PROOF AND YOUR PROOF DOESN'T MATTER. YEAH THATS NOT HAPPENING. I HAVE FILED LEGAL ACTIONS AGAINST EQUIFAX IN XXXX XXXX XXXX NC AND SUING FOR XXXX XXXX FOR AOLLOWING BANKS AND CREDITORS TO TAKE OVER MY CREDIT FILE AND NOT HAVE THE DISPUTED ITEMS REMOVED OR BLOCKED ON VERIFIED DOCUMENTS I MAILED INTO EQUIFAX. EQUIFAX IS NOW UNDER INVESTIGATION ALREADY FOR FRAUD AGAINST INVESTIGATION WITH CFPB AND FTC FOR NOT GOING BY THE FAIR ACT OF THE CREDIT LAWS, WHEN THESE ACCOUNTS ARE REMOVED AND BLOCKED I WILL DROP THE LAWSUIT BY NOT UNTIL THEN. IM DOING A STORY ON XXXX XXXX ON TUESDAY CONCERNING EQUIFAX AND HOW THEY DO INVESTIGATIONS INTO FRAUD ACCOUNTS AND THEY LET THE BANKS AND CREDITORS UPDATE INFORMATION ON PEOPLES CREDIT FILES WITHOUT PROOF BUT THE CONSUMER SHOWS PROOF AND NOTHING GETS HANDLED, FIX IT NOW OR ADDING MORE LAWSUITS AGAINST EQUIFAX AND I WILL EXPOSE EQUIFAX WITH THAT RECORED PHONE CALL WITH THE OFFICE OF THE COMSUMER AFFIARS SAYING WE CANT ATTACH OR BLOCK OR DELETE AND WE ARE IN ANOTHER COUNTRY AND ALL WE DO IN TELL THE CONSUMER WHAT THEY WANT TO HERE. THEN SHE SAID THEY WERE TOLD NOT TO SAY ANYTHING CONCERNING THEY CANT ATTACH ANY DOCUMENTS TO A FRAUD DISPUTE OR SEND UP TO HAVE BLOCKED PER THE DOCUMENTS YOU SEND IN, THIS IS CRAZY EQUIFAX. PEOPLE DESERVE BETTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a notification that my account was unlocked due to suspicious activity. It was unlocked, XX/XX/XXXX, due to no suspicious activity found upon their verification. Since then I have not had access to my account and anytime I try to log in, I see an error where the app states that it can not verify my identity. I have reached out to support and have had zero luck trying to resolve this and am left with no answers as to why this is going on and what my other options are. I have tried everything they have suggested and submit several forms of identification in order to regain access. I have upwards of {$900.00} in the account and I am in desperate need of it. The apps support advocates have been useless and seem to be some type of AI or scripted support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer report pursuant to federal and consumer compliance laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

Legal Basis for Request Fair Credit Reporting Act ( 15 U.S.C. 1681c ) : The inclusion of my employer information and full or partial SSN in consumer reports without my explicit consent is not required for creditworthiness assessment. The FCRA requires consumer reporting agencies to ensure that only accurate, necessary, and legally permissible information is reported.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Under the GLBA, non-public personal information ( NPI ), including employers data and SSNs, must be safeguarded and not shared without proper consent.

Data Privacy Compliance : Consumer reporting agencies must take reasonable measures to protect sensitive consumer information from unauthorized distribution and exposure. My employers and SSN information fall under protected data categories that require stringent compliance standards.

I also request the original Consumer Financial Privacy Policy Notice under the GLB ACT, Privacy ACT of 1974, I will like to see in writing where I have given consent to disclose employer and SSN 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