vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My school misconduct discharge application was denied on all four of my private loan accounts. I was not given a specific reason. This is the second denial, first with XXXX, and now with Mohela now that XXXX sold my loans to them. 
The Us Dept of Education found that the XXXX XXXX Schools were GUILTY of misconduct, and discharged all of my federal loans. I submitted over 100 pages of evidence to prove my case to Mohela including my DOE discharge, but they again denied my application without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 cashapp or Block , Inc due to inadequate customer service and unfair practices which violate the consumer financial protection act or CFPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am locked out of my XXXX and XXXX XXXX. I have contacted both of these companies with no results or investigation. I DO suspect fraud, as they are addressing me by " XXXX '' and I am not this person. They are putting things on my credit report as well! This is not my name. This is incorrect! I filled out their secure form with my driver 's license and heard nothing back! 

I received the following : Customer Experience XXXX XXXX, XX/XX/year>, XXXX to me Hi XXXX XXXX I'm sorry your Instacart account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within XXXX business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, Customer Experience XXXX XXXX, XX/XX/year>, XXXX to me -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Customer Experience [ XXXX ] Sent : XX/XX/year>, XXXX XXXX  To : XXXX Subject : XXXX XXXX XXXX XXXX I'm sorry your Instacart account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within XXXX business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, Daily Transcriber XXXX XXXX, XX/XX/year>, XXXX to Customer I still do not have access to my account and you have my driver 's license. I will dispute any charges concerning this account, since I'm locked out of it. 

On XXXX, XX/XX/year> at XXXX Customer Experience XXXX wrote : Hi XXXX XXXX I'm sorry your Instacart account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within XXXX business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX Credit card I signed up for credit protection when I got my card. The above dates, I was charged a premium for this service. They cancelled this service without my consent. I had filed a claim due to unemployment but it was denied. They stated that I didn't have credit protection on my account. See attached statement where I was charged a premium for the service. Then they closed my account and reported negative information to the major credit reporting agencies. This account should have been paid off through the credit protection benefits.

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 2025-01-19 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: VA

Complaint narrative:
I am filing this complaint to address an ongoing issue with Experian regarding disputes I have submitted about inaccuracies on my credit report. Despite filing multiple disputes, Experians only response has been account verified, without providing any details or evidence of how these verifications were conducted as I requested. 

I have requested information on the reinvestigations including how these errors were verified, yet Experian has failed to provide anything to validate their claims of verification. This lack of transparency and proper action is concerning.

I have reviewed the CFPB vs. Experian lawsuit, which highlights Experians history of conducting inadequate and sham investigations. I firmly believe I am one of the individuals affected by these practices. Because of Experians reporting errors, I have been denied credit, housing, and employment opportunities. This has caused significant harm to my life and well-being.

I am requesting the CFPB to ensure that Experian performs a thorough reinvestigation of my disputes in a timely manner and provides validation of the information they claim to have verified. Additionally, I request that all inaccurate and unverified negative accounts be removed from my credit report ASAP.

Thank you Thank you for your attention to this matter. I trust the CFPB will assist in holding Experian accountable and ensuring my rights under the Fair Credit Reporting Act ( FCRA ) are upheld

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 2025-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
Dispute of Alleged Debt I am writing to formally dispute the debt being reported by Hauge Associates in the amounts of {$2500.00}. I have no business relationship with your company, and I believe that these debts were purchased from another company that has since terminated the original debt. Despite my numerous requests for proof of ownership and validation of the alleged debt, I have not received any documentation from Hauge associated to support your claims. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities and remove the inaccurate information from my credit report. This unwarranted reporting has negatively impacted my credit rating for the past four years, causing considerable distress and harm. Please provide the following information within 30 days of receipt of this letter : 1. A copy of the agreement that authorizes you to collect on this alleged debt. 2. A detailed statement showing the full accounting of the alleged debt. If you are unable to provide the requested documentation, I insist that you immediately cease collection activities and correct the inaccurate information reported to the credit bureaus. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: GA

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 furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective to remove or amend the dispute accounts, as Experian inaction violates federal laws 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 2025-01-19 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: FL

Complaint narrative:
I am writing to formally express concerns regarding Zelle handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, my financial institution and Zelle failed to Investigate my claims adequately. They informed me that recovering lost funds is impossible and tracking is unavailable. The CFPB findings indicate that Zelle has not only neglected customers, but has also allowed repeated offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is concerning. It is unacceptable and raises, serious questions and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I used Zelle for a transaction and was unfortunately caught in a fraudulent purchase. There is no one to help with Zelle because you have to go through your bank which ties their hands based on access they have. I was scammed out of $ XXXX dollars with no accountability to the app, or the person, or the bank. There are no protections put in place to safe guard the user and the bank gets off because its an app attached to them not their problem. I had lost my job and that set me up for an enormous amount of debt just to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
XXXX XXXX - XX/XX/XXXX BANK XXXX XXXX - XX/XX/XXXX SYNCB/AMAZON PLCC XXXX XX/XX/XXXX SYNCB/AMAZON - XX/XX/XXXX ONEMAIN XXXX XX/XX/XXXX ONEMAIN - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX - XX/XX/XXXX BANK XXXX XXXX - XX/XX/XXXX SYNCB/AMAZON PLCC XXXX XX/XX/XXXX SYNCB/AMAZON - XX/XX/XXXX ONEMAIN XXXX XX/XX/XXXX ONEMAIN - XX/XX/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 explanation
Consumer complaint received 2025-01-19 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: IN

Complaint narrative:
I was charged fees and my money was taken on several occasions even if it said I had money once they took my whole tax check for XXXX and said there was nothing they could do about it because they could not locate where went to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
I was sent {$220.00} via CashApp from my tenant to pay bills for my apartment hes renting on Monday XX/XX/year>. The debit linked to my account was compromised so my bank was sending me a new one and I removed it from the CashApp app. I removed the card from CashApp account and am unable to add the new debit card due to a glitch in the app. I have been trying to since last Wednesday XX/XX/scrub>/25 to work with them to fix the problem yet they provide no actual support and have yet to fix the problem or give me a time frame on when it will be fixed and I am still unable to withdraw my funds. They are essentially holding my funds XXXX because they dont know whats wrong on their end. They only want to communicate by email which is a joke and I need help getting my money out of their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the inclusion of an account from XXXX XXXX on my credit report, as listed under your records. This account is not mine, and it has been improperly reported as being in collections. I request its immediate removal for the following reasons : 1. Ownership of the Debt : This account does not belong to me. I have not received any proof of ownership or validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX XXXX XXXX which mandates that debt collectors provide written validation of a debt upon request. No such proof has been sent to me. 
XXXX. Debt Already Paid and Sold : Based on my understanding, this debt was previously sold to another entity and has already been paid. Under the FCRA ( XXXX XXXX. XXXX ), duplicate reporting of the same debt is unlawful, as it creates inaccuracies on my credit report and violates my rights to fair credit reporting. 
3. No Written Notification Provided : I have not received any formal written notice regarding this alleged debt, which violates XXXX XXXX. XXXX ( a ) of the FDCPA. As such, the reporting of this account is not legally justified and must be removed immediately. 
4. Violation of My Consumer Rights : The continued reporting of this account is negatively impacting my creditworthiness and causing undue harm. Experian has a duty to investigate and correct inaccurate or unverifiable information under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 
I dont have an account with you with the dates listed on my credit report and its inaccurate and needs to be removed

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 2025-01-19 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 redress for these violations.

Company response to consumer: Closed with explanation