vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/2025 I wired {$900.00} to my SoFi bank account, which was added to the money already in the account from my direct deposit. I was preparing to pay bills with this money. After the money was received in my SoFi checking account, I discovered that my account was " restricted '' and contacted the bank customer service line to inquire what was going on. I was told that the account was being closed. I asked why, and they said an " internal team '' was investigating the account, it had been decided that they were closing the account, and I could not challenge their decision or contact the " internal team '' that was responsible. Further, they said I would have to wait until they officially closed the account, at which time I would receive an e-mail explaining the issue. Then they would send me a check in anither 7-10 business days. 
This is completely unacceptable. I should be told immediately why they feel it is necessary and appropriate to close my account. I should also be able to contest the decision, but they will not even allow me to speak with the team responsible. 
Worse still, the money that is needed in order for me to pay bills has already been held for 12 days and they still have not formally closed the account, or sent me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was travelling out of the country in XXXX, XXXX and XXXX from XXXX XXXX XX/XX/XXXX. During this time, I tried to access my funds from different ATMs and was denied access in all of them except XXXX XXXX XXXX ATM in XXXX XXXX where I was capped to a withdrawal of XXXX. My daily limit is USD XXXX. I was no where close to this limit and my account is in good standing. I'm not sure why I was not able to use my ATM debit card in these countries. I was able to do so in prior years. These ATMs are part of the worldwide XXXX  network and should honor XXXX debit cards. When I called PNC from my travels they said they are not even able to see the transactions come through. This seems to be an issue with the XXXX network and PNC Debit card. When I returned back to USA I filed a formal complaint with the bank and they refused to take any further action besides saying they will review the matter internally. I wanted a written response to my issue and they refused to provide that.. I had to borrow funds from family during this time and use my credit card extensively since my ATM card was not working. This is against the card holder agreement that I signed with this bank. The agreement states that I should be able to use my card everywhere in the XXXX network. This is a default on that agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent the following request to NELNET, my student loan server : " Topic : XXXX, XXXX, and Other Repayment Options '' I informed/emailed NELNET that I have submitted my OFFICIAL Application for XXXX XXXX XXXX Plan OMB No. XXXX. Form Approved. Exp. Date : XX/XX/XXXX to the Federal StudentAid, U.S. Department of Education ; I uploaded my application and my employment income verification at both websites the Federal StudentAid, U.S. Department of Education and Nelnet website. I want to start repayment BUT I DO NOT WANT TO REPAY MY STUDENT LOANS UNDER THE ILLEGALLY IMPOSED BY NELNET XXXX  REPAYMENT PLAN. I AM CERRIFYING TO BE PLACING ME ON THE INCOME BASED REPAYMENT PLAN. I must have XXXX  plan removed immediately from NELNET XXXX selection as a plan for me. I never asked Nelnet to be placed on forbearance and/or XXXX plan. I was on PAYE plan originally when NELNET unlawfully moved me to XXXX  plan.

In addition, Nelnet. devided my CONSOLIDATED DIRECT LOAN ON TWO partitions - two Direct Loans. Curently, I have only one Consolidated Direct Loan. I requested from NELNET to start repayment in XX/XX/XXXX, not in XX/XX/XXXX. 

NELNET REFUSED MY REQUEST. NELNET SENT ME THE FOLLOWING NON SENSE EMAIL : " Dear ... .., Thank you for contacting Nelnet XXXX 

We are sending this reply to verify we have received your document and forwarded it to the correct department. Please allow processing time. Once your request has been processed communication will be sent to you letting you know it has been completed. 

Due to the nature of the ongoing litigation and the number of applications we have received since XXXX, we are not able to provide an accurate estimate of when your application will be processed. We encourage you to visit your XXXX account. A message will populate when you log in, notifying you where we are at in the application process. Until your application is processed, we will continue to postpone your payments. 

Questions? Were here for you. Log in to your nelnet.studentaid.gov/account or reach out to us at XXXX 

Sincerely, XXXX XXXX Your Nelnet Customer Service Team Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX '' This is unlawful. I am asking my student loan server NELNET to process my application for XXXX XXXX XXXX  plan, and NELNET is refusing my application with the following : '' Due to the nature of the ongoing litigation and the number of applications we have received since XXXX, we are not able to provide an accurate estimate of when your application will be processed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My FHA loan has been serviced by XXXX different companies, XXXX XXXX XXXX, Mr. Cooper XXXX and now currently serviced by XXXX Mortgage. The principal balance on my loan at the time it was transferred to Mr. Cooper was approx. XXXX. The first monthly statement from Mr. Cooper showed the principal balance of XXXX. Then when it transferred to XXXX the principal balance showed XXXX. I think there is a major problem somewhere with the principal balance and Mr. Cooper potentially made mistakes possibly intentional. The interest rate when I originally got this loan I thought was 3.75 % and was supposed to be fixed through the entire XXXX  years. If you notice on the statements I have attached you will see they constantly change. Currently they are at 3.1 %. I do not understand all of the loan information and Mr. Cooper and XXXX move things around so much it is very hard to keep track of what is happening. My mortgage payments back in XXXX were as low as {$1600.00} and now here I am in XXXX with a XXXX XXXX monthly mortgage payment. Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
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 These actions have caused significant inconvenience and financial loss, and I seek appropriate redress 48 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
i have disputed the items on my file to be deleted since they are a result of identity theft and a result of data breach they admitted that my information was exposed they have been sending verified information without giving explanation on how they verified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ).

I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease.

STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE.

CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation. The Bill of Sale is only PART of the ENTIRE PURCHASE AGREEMENT and I am clearly requesting the ENTIRE PURCHASE AGREEMENT. 
Requesting this is my right because if this escalates to court, the burden of PROOF is on you to prove to me that I owe this ALLEGED obligation. 
I do NOT believe that you own the debt you are attempting to collect, so you need to PROVE that you do and that requires presenting me with the ENTIRE PURCHASE AGREEMENT. 
If you cant do that in a timely manner, you must notify the consumer reporting agencies where this information is being reported to be DELETED from reporting!

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.

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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Account Opening Date : The credit report states that this collection account was opened in XX/XX/XXXX, which is incorrect because the reported status shows the account as being past due in XX/XX/XXXX. An account can not be opened and past due in such a short time frame. This inconsistency suggests errors in how the account details are being reported. 
This inaccuracy is negatively impacting my credit score, and I kindly request an investigation and correction of the errors. Please verify this information with XXXX XXXX XXXX and provide me with a written response regarding the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these account.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 2025-01-28 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AFFIRM INC, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texa

s Penal Code Section 32.51 , which pertains to identity fraud. It has come to my attention that AFFIRM INC has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. Furthermore, Texas law under Section 392.301 o
f the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for AFFIRM INC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that AFFIRM INC immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AFFIRM INC into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that AFFIRM INC will swiftly correct these violations and respect my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My checking and savings accounts were closed by the banks Ive received a letter stating that Chase Bank decided to close my accounts, because of my connection to a publicly reported investigation that could potentially lead or has led to a criminal or civil legal action. I am not understanding what is going on here because I have had my bank account with XXXX XXXXXXXX and bank account with XXXX XXXX banks closed within the last three years as well and they are unable to tell me why they have chosen to close my Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief