vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
They fail to properly investigate after Ive sent in affidavit an identity theft information .That fail to investigate after I notified them that even the wrong social security number was on my credit report containing to accounts that didnt belong to me.The accounts came back accurate, without providing any evidence of a thorough investigation.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate and the gross negligence of customer service, and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to act timely and effectively in regard to measures could prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was lucrative 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 inconveniences and financial loss of profits, and I seek and mandate appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a Complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices l, Which violate the customer financial protection act ( CFPA ) Specifically, Cash App failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Further more, 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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX  secured jobs in their field of study within XXXX months of XXXX. 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Dealership and finance company colluded using illegal sale tactics and fraud to get me stuck into terrible auto loan. Salesman did not properly disclose interest rate and how it would affect car payments. I also traded in a vehicle and they added extra charges to make my trade in seem obsolete. They also sold me a vehicle that had known problems and did not disclose it. In addition, the same vehicle had XXXX miles on it and fraudulently sold me a warranty that they knew would expire at XXXX miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I sent a certified letter to XXXX, XXXX, and Transunion concerning inaccurate information on my account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for late payments, 15USC 1681i ( b ) and 15USC 1681i ( 5 ). Transunion refused to do an investigation on this matter, and did not respond with in the 30 days required by FCRA.

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 2025-01-20 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: CA

Complaint narrative:
I am submitting a complaint regarding the ongoing inaccurate reporting of information on my credit file by XXXX XXXX XXXX and XXXX XXXX XXXX. Despite my multiple disputes and submission of all necessary supporting documentation to the credit bureaus, they continue to report incorrect information in violation of federal law. XXXX XXXX XXXX is improperly reporting late payments, violating 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which prohibits the inclusion of transactions and experiences between a consumer and a servicer in a credit report. Furthermore, XXXX XXXX has now classified the account as a charge-off, which violates 15 U.S.C. 1681c ( a ) ( 4 ), prohibiting the reporting of adverse information beyond the legally permitted period, and this needs to be removed from my account immediately. XXXX XXXX XXXX is inaccurately reporting a paid and closed account, violating 15 U.S.C. 1681c ( a ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ), which govern the reporting of outdated accounts, accuracy requirements, and obligations to investigate disputes. Additionally, I have no knowledge of the XXXX account, making its presence a violation of 15 U.S.C. 1681b regarding permissible use of consumer information. XXXX has also reported a student loan as late, despite it being in forbearance under the Biden Administrations federal student loan relief program, violating 15 U.S.C. 1681e ( b ). I have also provided proof of my exposure to a data breach, yet the credit bureaus have failed to address these issues appropriately. The credit bureaus ' failure to correct these errors continues to cause harm to my creditworthiness, and I request immediate corrective action to ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding the ongoing inaccurate reporting of information on my credit file by XXXX XXXX XXXX and XXXX XXXX XXXX. Despite my multiple disputes and submission of all necessary supporting documentation to the credit bureaus, they continue to report incorrect information in violation of federal law. XXXX XXXX XXXX is improperly reporting late payments, violating 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which prohibits the inclusion of transactions and experiences between a consumer and a servicer in a credit report. Furthermore, XXXX XXXX has now classified the account as a charge-off, which violates 15 U.S.C. 1681c ( a ) ( 4 ), prohibiting the reporting of adverse information beyond the legally permitted period, and this needs to be removed from my account immediately. XXXX XXXX XXXX is inaccurately reporting a paid and closed account, violating 15 U.S.C. 1681c ( a ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681i ( a ), which govern the reporting of outdated accounts, accuracy requirements, and obligations to investigate disputes. Additionally, I have no knowledge of the XXXX account, making its presence a violation of 15 U.S.C. 1681b regarding permissible use of consumer information. XXXX has also reported a student loan as late, despite it being in forbearance under the Biden Administrations federal student loan relief program, violating 15 U.S.C. 1681e ( b ). I have also provided proof of my exposure to a data breach, yet the credit bureaus have failed to address these issues appropriately. The credit bureaus ' failure to correct these errors continues to cause harm to my creditworthiness, and I request immediate corrective action to ensure compliance with federal regulations.

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 2025-01-20 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:
Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I kindly ask for your assistance in addressing accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed. However, they continue to report them as late. Ive contacted them multiple times with no updates, leaving this as my final option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Description of Verification Procedure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear TransUnion Consumer Relations & Legal Department, I am writing regarding my recent dispute concerning inaccuracies on my credit report. As per your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you stated that the item in question has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information. 

The details of the dispute are as follows : CFPB Complaint ID : XXXX Complaint Open Date : XX/XX/XXXX Complaint Closed Date : XX/XX/XXXX Item/Account Disputed : XXXX XXXX XXXX I hereby formally request a detailed explanation of the procedures TransUnion employed to verify the accuracy and completeness of the disputed item. Specifically, I request : 1. A detailed description of all steps taken during the verification process.

2. Documentation of all individuals and entities contacted, including names, roles, and contact information.

3. Copies of any correspondence, including emails, mailings, or call logs, used in the verification process. 
XXXX. A summary of the evidence or data that was used to verify the accuracy of the disputed item. 

As required under the FCRA, and in light of the recent lawsuit by the CFPB regarding XXXX conducting Sham investigations, and XXXX being fined by the CFPB for failing to conduct adequate investigations of disputed information in credit reports, I expect this information to be provided promptly. If you fail to comply, I will take further action, which includes seeking additional assistance from the CFPB or other appropriate authorities. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
To Whom it May Concern, This is formal notice you are in violation of Regulation E ( Reg E ) and I gave plenty of notice that your company was about to be in violation of Reg E. Here is the timeline that I may use in my private right of action against Bank of America , unless you credit my account immediately for the transactions in dispute. 
XX/XX/XXXX - I submit my formal, written Reg E dispute, with all requirements that my Bank of America statement says are required to initiate the Unauthorized Transactions ( Copy of Complaint Attached ) Complaint ID XXXX XX/XX/XXXX I received an email from XXXX and a second e-mail ( same text ) from the case specialist XXXX that states amongst other things they have received my CFPB complaint. I will start the Reg E 10 business days to resolve or provide provisional credit here XX/XX/XXXX I sent email to XXXX XXXX asking why my Reg XXXX disputes havent been submitted yet. 
-- -- -- -I receive no response, copy of email string for all communications attached XX/XX/XXXX I sent an email to XXXX XXXX reminding them of their Regulatory obligation to submit my disputes. 
-- -- -- -- I received no response XX/XX/XXXX I sent an email to XXXX XXXX to advise them more than XXXX business days has past, they have not started the investigation ( The BofA app advises you of active investigations ), they have not provided provisional credit. 
-- -- -- -- I received no response XX/XX/XXXX I submit this CFPB complaint to put BofA on notice of their violations and add to my potential private right of action against BofA Because of BofAs failures, I am requesting they provide final credit my account for the XXXX charges I disputed on my XX/XX/XXXX dispute and provide monetary compensation in lieu of me pursuing this in court. I am a financial services attorney and could easily bring this case myself, but since the regulation provides for attorney fees I will likely use one of my many contacts to represent me. I prefer to handle this matter without litigation. I look forward to hearing from you.

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 monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app allowed people to dispute transactions after services had been rendered and didnt have a live representative to speak to about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year> received bank statement from Synchrony Bank was due and late. 
I contacted their customer support to state that I had established an account with Synchrony Bank. I told they file a fruard investigation on the account and they would inform me of the out come. 
I call again XX/XX/year> and was told that the case was still under investigation. 
On XX/XX/year>, I received notice from Synchrony Bank send a mailed statement indicating that I owed {$340.00} balance and {$130.00} past due. 
Called company and talked with Manager named XXXX ( no last name given ) that the fraud investigation is underway. 
My credit report indicates that Im more that 30days late in payments to Synchrony Bank.

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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Recovery Solutions, LLC
State: CA

Complaint narrative:
I have being receiving a text from National Recovery Solution LLC regarding on a debt according to them I owe them money. I have being receiving text to paid in full of $ XXXX with no details in which it is a violation of code under the Fair Debt Collection Practices Act ( FDCPA ) is 15 U.S.C. 1692g.

Plus I am filing a complaint for harassment and unlawful practice via this agency, National Recovery Solution in which they are violating FDCPA code regarding on them for reaching out to my sister in which she is a minor regarding a debt that somebody allegedly they owe. Harassing my family. 

Plus I am fighting this off and disputing it.

Company response to consumer: Closed with explanation