vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  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 XXXX 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 XXXX students across campuses in XXXX 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 XXXX XXXX, 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, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
XXXX XXXX  : On XX/XX/XXXX purchased a car from XXXX XXXX XXXX escape. Around XX/XX/XXXX I learned that XXXX was being sued and it was a class action lawsuit for charging to much interest in Pennsylvania. I contacted XXXX in XX/XX/XXXX and told them I no longer wanted the car. The car was paid up and that they could repossess it. They told me fine but I would have to wait 90 days without payment for them to take any action. XX/XX/XXXX they repossessed the car and now has the car listed on my credit report as an involuntary repossession and still reporting my car as having missed payments. I called the bureaus and they did not help me just putting the file back to original status. I want the original documents that I signed and now to have it removed off the reports. I also see that it is reporting different on all bureaus. They are different days of the last reported date and one bureau equifax is reporting more months of late payments than the other 2. I voluntarily gave the car back and I need to see the original documents that I signed I requested this from the bureaus but no one sent me anything. I want this off my report or correct the repocession info to voluntarily and erase the missed payments thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Equifax for reporting inaccurate and misleading information on my credit report. Despite my efforts to dispute this directly with Equifax, the incorrect information remains uncorrected, causing harm to my credit profile. 

Details of the Complaint : Credit Reporting Agency : Equifax Account in Question : XXXX XXXX ( Closed Account ) Date of Credit Report : XX/XX/year> Nature of the Inaccuracy : Incorrect Charge-Off Reporting : Equifax is reporting a {$460.00} charge-off that is inaccurate. 
Incorrect Delinquency Information : The report incorrectly reflects a {$310.00} past due balance and multiple charge-off notations, despite this information being either outdated or incorrect. 
Improper Payment History Reporting : There are inconsistent and erroneous late payment records on this account that require verification. 
I have attached a screenshot of my Equifax report, showing these inaccuracies. 

Violation of Consumer Rights : Equifax is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure that credit information is accurate, complete, and verifiable. However, they have failed to investigate and correct the disputed inaccuracies. Given the recent {$480.00} XXXX CFPB fine against Equifax, it is clear that Equifax has ongoing systemic issues in handling disputes and maintaining accurate consumer records. 

Requested Resolution : CFPB Investigation : I request the CFPB to investigate Equifaxs failure to properly verify and correct inaccurate information. 
Correction of Credit Report : I demand Equifax remove or correct the disputed items and provide written confirmation of the correction. 
Accountability : Given Equifaxs history of mishandling consumer data, I urge the CFPB to ensure compliance and impose further penalties if necessary. 
This inaccuracy has negatively impacted my credit score and financial opportunities. I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MA

Complaint narrative:
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 2025-01-22 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:
( 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 compensation : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OK

Complaint narrative:
Dear Experian, XXXX, and XXXX, I am writing to formally dispute inaccurate and incomplete information on my credit report. I recently submitted a dispute regarding certain items, but the investigation conducted was insufficient, as the information was only verified against the furnishers report rather than being thoroughly reviewed in light of the evidence I provided. 

XXXXXXXX XXXX XXXX Account ( Account XXXX : XXXX The balance is inaccurate on all three bureaus. 
The past due amount is incorrect on all XXXX  bureaus. 
The payment status is incorrect on all XXXX  bureaus. 
The last reported date is inaccurate on all XXXX  bureaus. 
The creditors comments are inconsistent and incorrect on all XXXX  bureaus. 
The date last active is inaccurate on all XXXX  bureaus. 
The payment history for the last two years is incomplete and incorrect on all XXXX  bureaus. 

I demand that you delete it immediately and stop parroting information from the furnisher without doing a full investigation to protect my rights. This inaccurate information is causing me harm and ruining my good name. I cant get the credit I deserve because you failed to do your job. I see why the CFPB is suing you guys..

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 2025-01-22 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:
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 I have a charge off and I keep disputing the amounts, the transactions and the validation of the debt they just keep coming back with no changes on my credit without showing evidence or a true investigation its a XXXX account so the credit bureaus work with them so those debts never get properly investigated

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 proce 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Failure to Comply with Identity Theft Dispute Request for Immediate Action Dear Sir/Madam, I am writing to formally notify you of Equifax 's failure to comply with my identity theft dispute and to request immediate resolution. I submitted my identity theft report to Equifax on XX/XX/2025, disputing an inaccurate XXXX XXXX XXXX  XXXX account listed on my credit report. Despite providing all necessary documentation, including a copy of my identity theft report as requested in your correspondence, this account has not been blocked or removed. 
Additionally, I want to emphasize that my legal name is XXXX XXXX XXXX, as stated on my drivers license. However, my credit report includes inaccurate names such as XXXX XXXX and, which is not listed on my identification. This misrepresentation further supports my dispute regarding the accuracy of the information in my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to : Investigate disputed accounts promptly upon receipt of sufficient evidence. 
Block inaccurate or fraudulent information from credit reports when evidence of identity theft is provided. 
My identity theft report and dispute meet all legal requirements, yet Equifax continues to fail in fulfilling its obligations. Additionally, I requested that Equifax provide original signed documents proving the XXXX XXXX XXXX  XXXX account belongs to me. To date, no such documentation has been provided, further indicating the inaccuracy of this information. 
Equifax 's refusal to block the fraudulent information and lack of proper investigation is not only a violation of the FCRA but also undermines my consumer rights. 
Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal remedies as allowed under federal law for noncompliance with the FCRA. 
I request that Equifax take the following actions within 10 business days : Immediately block the disputed XXXX XXXX XXXX  XXXX account from my credit report. 
Remove all inaccurate name variations, including XXXX XXXX from my credit file and mailing address. 
Provide a written explanation detailing the steps taken to resolve this dispute. 
Confirm in writing that the fraudulent account has been removed. 
Please consider this letter a formal demand for compliance. Failure to address this matter will result in further action. I am uploading copies of all documents CFPB and FTC for your review. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My complaint is against Experian Credit Reporting Agency for Failure to Remove Outdated and Obsolete and Inaccurate Addresses from my credit report/credit file. These addresses are Inaccurate, incomplete and unverifiable. I do not own those addresses ; they are not mind addresses. I do not live at those addresses. I sent XXXX ( XXXX ) separate dispute letters to Experian notifying them to remove those addresses, However, Experian have not removed them. Experian have XXXX ( XXXX ) different addresses on my credit report and credit file. I disputed XXXX ( XXXX ) of those addresses because I do not live at those XXXX ( XXXX ) addresses. I one all XXXX ( XXXX ) addresses to be removed from my credit report/file.

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 2025-01-22 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: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reporting from : XXXX XXXX XXXX XXXX This company has invalid formation of {$17000.00} that I did not authorize ; under 15 U.S. Code 1681e ( b ), I am entitled to accurate reporting across all credit bureaus. The discrepancies in this accounts reporting violate this requirement and adversely affect my creditworthiness

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 a timely and professional measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and unprofessional, as they did not comply with error resolution requirements under the Regulation E and Electronic Fund Transfer Act ( EFTA ). 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 an 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 air resolution requirements under the electronic fund transfer act ( efta ) And regulation XXXX these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
I applied and was approved for a HELOC with Upstart in XX/XX/2024. As soon as I was approved and signed my contract, Upstart sold my HELOC to XXXX XXXX. XXXX has a horrible customer service record and currently is not honoring the contract I initially signed with Upstart. XXXX is making it difficult to access advances from my HELOC. XXXX made me wait 60 days before I could get an advance, which is not in the contract ; they also said I could only obtain advances by using checks, which they did not even order in time by the end of the 60 days. I was told I had to wait an additional 30 days to receive checks, again not in the contract. Upstart knowingly sold my loan to a company that has a terrible track record, fully aware that others have had this same issue. At no time did Upstart make it clear that my loan would be sold, especially immediately after it was approved and signed by me. I believe Upstart is complicit with XXXX  in their questionable business practices, or they need to ensure XXXX honors the contract I signed with them that Upstart then sold. I had a previous loan with Upstart and paid it off early with no issues, which is why I chose to apply for a HELOC through them. But this practice of luring applicants in and then switching the loan to a company with as many complaints as XXXX is beyond questionable. I want Upstart to hold XXXX accountable for the loan it sold, and furthermore, they need to be upfront with customers before they apply that it could be sold to a company like XXXX.

Company response to consumer: Closed with explanation