vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated 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 : XXXXXXXX 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  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University 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 six 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 26 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 : Approve all outstanding Borrower Defense applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
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, Students & Graduates of XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: FL

Complaint narrative:
XX/XX/year> I leased a new XXXX. The dealership offered a end of lease warranty in which I agreed to answer your question asked if that was on the documents I signed. I was told yes! Well I did some research and the warranty I needed/wanted was not on lease. I had to walk in and request it be canceled. While doing so I was spoke to rudely and was told it wouldn't lower my payments. After I kept saying I just want a refund I was finally given a paper to sign to cancel it. Well that was XX/XX/XXXX and I have no received a refund, no one will answer the phone so I can receive an update!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including he complete payment history on this account, so I can have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect in this alleged debt.

5 ) A copy of your state license, including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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

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: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to express my concerns regarding Zelle handing of disputes, particularly in light of 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 receiving lost funds was impossible and tracking these transactions was not feasible. The CFPB findings indicates Zelle had not only neglected to protect consumers but 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

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: 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Dispute of Inaccurate Student Loan Information Dear XXXX, I am writing to formally dispute the accuracy of certain information regarding my student loans as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( b ), 615 ( 1 ), and 623 ( a ) ( 6 ), I have the right to dispute any inaccurate or incomplete information.

Upon reviewing my credit report, I noticed that the following student loans contain negative history that I believe is incorrect : Dept of ED/ Nelnet- Account Number : XXXX According to Section 605 ( b ) of the FCRA, negative information must be accurate and verifiable. Additionally, under Section 615 ( 1 ), I am entitled to a notice if adverse action is taken based on this information. Furthermore, Section 623 ( a ) ( 6 ) requires furnishers of information to investigate disputes and provide accurate reporting. 
I request that you investigate these accounts and remove any inaccuracies from my credit report. Enclosed are copies of relevant documents supporting my claim, including payment records and correspondence with the loan servicer. 
Please confirm receipt of this letter and inform me of your findings within the legally required timeframe. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

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: TX

Complaint narrative:
Request for Immediate Removal of Unauthorized Information Due to the most recent CFPB Lawsuit and Data Breach. I am writing to formally request the immediate removal of unauthorized information from my credit report. 
As you are aware, the CFPB has initiated legal actions against various credit bureaus for violations, including but not limited to : - The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- The Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

- The Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45. 
The lawsuits highlight the credit bureaus ' failure to adequately protect consumer data, resulting in unauthorized access and breaches of sensitive personal information. As a result, numerous consumers, including myself, have been adversely affected. 
Given the serious nature of these legal violations and the impact on my credit report, I request the following : 1. Immediate removal of all unauthorized information and erroneous entries related to the data breaches.

2. A comprehensive review of my credit report to ensure no further unauthorized or incorrect data is present.

3. Written confirmation of the removal and correction of all disputed information. 
I expect prompt action on this matter as required under the FCRA, which mandates the correction or deletion of inaccurate, incomplete, or unverifiable information within 30 days of receipt of this dispute. 
Please consider this letter as a formal dispute and my intention to exercise my rights under federal law. I appreciate your immediate attention to this urgent matter and look forward to a swift resolution. 
Sincerely, 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 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: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the CFPA. Specifically, Cash App failed to take timely and affective measures yo 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 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: Nelnet, Inc.
State: MI

Complaint narrative:
This case has been drawn out and my application has only been confirmed via electronic response. I have not been able to talk to anyone about my application Getting my loans into forbearance took a long time. My XXXX XXXX is lower due to my high loan balance.

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:
I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) .specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Davis & Jones, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, I emailed XXXX XXXX with Debt Recovery Resources ( Davis and Jones ) a request to put one of my existing customers that is in bad standing with us, in collections. When I emailed them, I sent over the invoices that are past due along with the proofs of deliveries and other supporting documents. We are a trucking company so the documents and invoices have the shipper and the receiver and the commodity written on them. 

XXXX XXXX said that he worked a new position within the company but that he would be sending my account to XXXX XXXX. He sent my account to XXXX and XXXX sent me the collections contract where I put the creditor XXXX XXXX XXXX ( XXXX ) information and signed off on it at an 18 % contingency rate. 

Today, XXXX three of my customers told us that they were contacted by Davis and Jones ( Debt Recovery Resources ) to collect the debt that is owed to us by the customer ( XXXX  ) that is in arrears with our company. None of these companies owe money to us and are in fact our customers and are in good standing with us. We have great business relationships with them and now our relationships with them are being harmed because Debt Recovery Resources ( Davis and Jones ) is trying to collect a debt from them that they dont own and that we never asked them to collect from the companies that are being contacted. 

I contacted XXXX and told him about this issue and hes working on it. I also contacted XXXX XXXX and tried to cancel my account because now they are negatively impacting our business with our existing customers that are in good standing with us. They wont let me cancel our account without paying them the contingency fee of 18 % even though they are conducting unfair collections practices by seeking to have a debt paid by companies that dont own the debt. I also have been in contact by email with XXXX XXXX at Davis and Jones about this as well. 

I have an email from a customer that Davis and Jones ( Debt Recovery Resources ) sent to them trying to collect the debt from them and you can see that the invoice doesnt even belong to them and that it belongs to XXXX XXXX They are clearly trying to collect a debt from anyone listed on any of the supporting delivery documents even though they arent the debtor that I put in collections. Its clear on the invoices and on the contract that I signed who the debtor is. 

From what I know about collections agencies, its illegal for them to try to collect a debt from someone who isnt the debtor yet theyve contacted at least three of my customers today to try and collect the debt owned by XXXX and none of them are the debtor ( XXXX ). I need recourse please.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 681c-2 ( a ).

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: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as 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: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: CO

Complaint narrative:
Company keeps calling after I have asked them not to call my number. If they need to contact whoever it is they are looking for they need to use the address on record. I keep blocking their number but then they call from another.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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: 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 XXXX 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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