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: MI

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 actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C. 553 ( a ) ( 1 ) ( A- ) ( B ), as highlighted in the CFPBs recent administrative proceedings ( 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am writing to you from XXXX, XXXX. 
I hope this email reaches someone who can assist me and those who are also suffering abuses from the PayPal platform. 
The reason for this message is to express my deep frustration and sadness regarding the situation I am facing with PayPal. 
Since I received a transfer from the United States for a XXXX XXXX, I have been a victim of a retention of funds that I consider shameless and unjustified.


This company has appropriated my money without clear grounds, preventing me from accessing it. Furthermore, I have been forced to undergo several procedures, such as transferring funds from my local account to verify the authenticity of the transaction and requesting a verification code from my bank, which can take between 3 and 30 business days. Despite having met all the requested requirements, they continue to withhold my money, claiming that I will only be able to access it after 21 days or after making 5 additional transfers over {$10.00}. This situation seems abusive and vile to me. Upon further investigation into this issue, I discovered that many people are in similar situations, which is alarming and leads me to think about the illegal capture and capitalization of money by PayPal.

Their practice of withholding funds seems designed to accumulate a significant volume of money and profit illegally while the funds remain in their possession.

I am attaching visual evidence of the withheld money and look forward to any response or guidance on how to proceed.

It is concerning to think about how many people may be affected by this malpractice in a global service.

I apologize if this is poorly written ; I used a translation tool because I do not speak English.

Thank you for your attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX Phone number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
As stated, my application from XX/XX/XXXX to switch to IBR was not processed within 66 days, so that I can start paying again toward PSLF and not be on SAVE whose months do not count toward PSLF. I emailed Mohela after XX/XX/XXXX application was not processed and after submitting a 2nd IBR plan change request on XX/XX/XXXX to ask if they even had the XXXX XXXX application which was showing on FSA site as in review for 66 days while my XX/XX/XXXX, 2nd, application was also on FSA showing that it was submitted to Mohela. Mohela responded to my inquiry with an email finally ( never received one in XXXX ) saying they are processing it ( I am not sure which one they are processing ) because the XX/XX/XXXX one disappeared from FSA site and now only XX/XX/XXXX is showing on FSA as " in review. '' While they delete my applications, I am stuck in Save forbearance which is in litigation and none of these months count toward PSLF. I am at 101 of 120 payments. I certified employment for 4 more qualifying months which was accepted by FSA but the months did not count as qualifying payments because I am still in SAVE and can not make payments and am on forbearance. I should be at 105/120 payments. In addition several more months have gone by which do not count toward PSLF. I have been a XXXX  for 32 years and planned to XXXX  next year, but because they will not process these applications so that I can make payments that count, I will have to work longer and they are keeping me from retiring. In addition, when SAVE was implemented, the emails sent said to call if you want to opt out of the change. I called and spoke to Mohela. The rep said at that time that the months in SAVE " may or may not '' count toward PSLF. Based on that response, I emphatically requested not to be moved to SAVE, but Mohela moved me to SAVE any way. I am being harmed by all of this.

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: Early Warning Services, LLC
State: OH

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The 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: 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXX since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX  Massachusetts ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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: NC

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 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: 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: OH

Complaint narrative:
I normally have a credit score of XXXX, but currently Experian is at XXXX because of inaccurate information. They have an additional name that is not mine, an additional social security number that is not mine, and an additional address that is not mine. There are XXXX associate loan accounts that have been written off that are also not mine, but adversely affecting my credit score. XXXX and XXXX are OK still though. I tried to resolve this with Experian, but they concluded the information is correct. IT IS NOT. 

The wrong social is XXXX, and mine is XXXX. 

I will attach documents, but Experian has been no help.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
I have requested an Ecrow analysis multiple times. I had changed my homeowners insurance and they changed my house payment to reflect that for 1 month. Then they upped my payment by over XXXX a month and refuse to call me and go over the documents. I have contacted them multiple times since XX/XX/year>. 

Also, they upped my total mortgage amount by {$2000.00}. I'm on a fixed rate, higher total mortgage due shouldn't ever " go up '' I've had multiple other interactions also, they locked me out of my online acct for 3 solid months and they kept " just taking messages to call me back ''. 

The amount of times I've called them has caused me to have severe XXXX XXXX. They just flat out refuse to call me regarding my concerns and I'm terrified about my financial future.

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: 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have inaccuracies on my credit report and because of this its causing significant harm to my credit. Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this complaint. I also would like to delete all personal information that is not mine or not accurate related to this identity theft. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were NOT AUTHORIZED BY ME and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX  A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Early Warning Services, LLC
State: KY

Complaint narrative:
Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims thoroughly. They informed me that recovering lost funds was impossible. The CFPBs indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability raises concerns about consumer safety

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: SC

Complaint narrative:
I wrote a formal letter to TransUnion to dispute several inaccuracies on my credit report and demand immediate correction. My concerns include : XXXX : I disputed a late payment and referenced 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct inaccurate information. I requested the late payment be updated to reflect paid as agreed, never late. 

XXXX : I requested validation of a debt under 15 U.S.C. 1692g ( Validation of debts ) and highlighted responsibilities under 15 U.S.C. 1681s-2. I demanded documentation proving the debt, including the original contract bearing my signature and any agreements authorizing the debt collector to act. If this validation isnt provided, I asked for the removal of the item, citing precedent in XXXX XXXX Trans Union XXXX for willful noncompliance. 

XXXX XXXX XXXX  : Similar to the ONEMAIN dispute, I requested proof of the alleged debt or deletion of the item under the same legal provisions and case law. 

Additionally, I disputed inaccuracies in my personal information, insisting they correct these errors under 15 U.S.C. 1681i.

In my letter, I emphasized TransUnions legal obligations, citing the Fair Credit Reporting Act ( FCRA ), which requires disputes to be investigated and resolved within 30 days. I also referenced court cases like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX to reinforce the importance of a thorough investigation beyond automated checks. 

Finally, I made it clear that failure to comply could result in liability under 15 U.S.C. 1681n and 1681o, which outline damages for willful or negligent noncompliance. I warned of escalating the matter to agencies like the CFPB or FTC or pursuing legal action if not resolved promptly.

Through this letter, I demanded an updated credit report reflecting all corrections and a detailed description of the investigation procedures, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have noticed several inaccurate information on my credit report that need to be removed, I have names, addresses, and employers that needs to be removed. I have attached documentation proving my legal name and address. 
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 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 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: 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 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I was hacked and scammed out of XXXX and Chime/XXXX  does not believe me and has denied my claim of fraud they did not ask for my phone.documents or any other documents in determining their decision to deny my claim and refuses to back my money which FDIC insured XXXX I have opened a rebuttal but there is no one I can speak to in their investigation department about my claim and their call center does not care about my wellbeing or the fact tha I was robbed of my savings. The frauders hacked my account shut down my credit builder and saving account transferred money into a pay to pay person and also attached an apple pay to my account. I would like to hold responsible on my lost funds as I did not authorize this transaction and called immediately when I was notified my email things where happening to my account.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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