vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CO

Complaint narrative:
I am writing to formally express my concerns about using Zelle handling of disputes. I was informed CFPB lawsuit highlighting issuers with Zelle. Dispute using Zelle numerous of times in the last years and reporting some disputes Zelle failed to investigate my claims and or solve my concerns. They said my lost fund was impossible to track. The CFPBs 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 Electric 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 transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFPDs 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. 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this formal complaint to request immediate investigation and resolution regarding inaccuracies and fraudulent accounts on my credit report. Despite repeated efforts to resolve these issues through direct communication with the credit bureaus and creditors, the matter remains unresolved. The delays, now exceeding 65 days, are unreasonable and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Complaint Details Fraudulent Accounts The following accounts are fraudulent and must be deleted immediately : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX Inaccurate Reporting of Late Payments Several accounts incorrectly report late payments on XXXX while other bureaus reflect accurate information ( no late payments ). The inaccuracies are as follows : XXXX XXXX XXXX  : XXXX ( Never late ) XXXX XXXX : XXXX ( Never late ) XXXX XXXX XXXX  : XXXX ( Paid in full, never late ) XXXX XXXX : XXXX ( Never late ) These discrepancies violate the FCRA provisions regarding accurate reporting of consumer information, causing significant harm to my creditworthiness and hindering my ability to pursue housing and financial opportunities.

Request for Immediate Action Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : I request that the fraudulent accounts identified above be blocked and deleted within 4 business days, as required by law, following the submission of appropriate documentation.

The credit bureaus must comply by notifying the furnishers of the information that an identity theft report has been filed, a block has been requested, and the effective dates of the block.

Attached Documentation To support this complaint, I have included the following : Affidavit Proof of Identity ( ID ) Social Security Number ( SSN ) Supporting Bills Conclusion I urge the CFPB to expedite this process and ensure compliance with FCRA regulations by both the credit bureaus and creditors. The errors on my credit report are unjust and have caused undue harm. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective action to address my concerns.

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: MD

Complaint narrative:
I am filing this formal complaint to request immediate investigation and resolution regarding inaccuracies and fraudulent accounts on my credit report. Despite repeated efforts to resolve these issues through direct communication with the credit bureaus and creditors, the matter remains unresolved. The delays, now exceeding 65 days, are unreasonable and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Complaint Details Fraudulent Accounts The following accounts are fraudulent and must be deleted immediately : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX Inaccurate Reporting of Late Payments Several accounts incorrectly report late payments on Experian while other bureaus reflect accurate information ( no late payments ). The inaccuracies are as follows : XXXX XXXX XXXX  : XXXX ( Never late ) XXXX XXXX : XXXX ( Never late ) XXXX XXXX XXXX  : XXXX ( Paid in full, never late ) XXXX XXXX : XXXX ( Never late ) These discrepancies violate the FCRA provisions regarding accurate reporting of consumer information, causing significant harm to my creditworthiness and hindering my ability to pursue housing and financial opportunities.

Request for Immediate Action Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : I request that the fraudulent accounts identified above be blocked and deleted within 4 business days, as required by law, following the submission of appropriate documentation. 
The credit bureaus must comply by notifying the furnishers of the information that an identity theft report has been filed, a block has been requested, and the effective dates of the block. 
Attached Documentation To support this complaint, I have included the following : Affidavit Proof of Identity ( ID ) Social Security Number ( SSN ) Supporting Bills Conclusion I urge the CFPB to expedite this process and ensure compliance with FCRA regulations by both the credit bureaus and creditors. The errors on my credit report are unjust and have caused undue harm. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective action to address my concerns.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I attended XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. The school used deceiving tactics to have students take out more loans than necessary as well as false claims of job security post graduation. I have waited in hold for countless hours by my loan servicing company to try to be taken out of forbearance but it is impossible to get a hold of someone and if the loan was taken out of forbearance, it ends up going right back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of an item on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following item and either verify its accuracy or delete it from my report. 

Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX. 
Reported Issue : I do not recognize this account.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.

Additionally, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written notification of the results of your investigation within 30 days, including a clear explanation of the steps taken and any supporting documentation used to verify the item in question. If you can not verify the item, it must be promptly deleted or corrected.

If the item is determined to be inaccurate or unverifiable, I request its removal under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This section requires the deletion of disputed information that can not be substantiated after an investigation. 

Please provide me with an updated copy of my credit report reflecting any changes. If you require additional information from me to process this dispute, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of an item on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following item and either verify its accuracy or delete it from my report. 

Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX. 
Reported Issue : I do not recognize this account.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.

Additionally, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written notification of the results of your investigation within 30 days, including a clear explanation of the steps taken and any supporting documentation used to verify the item in question. If you can not verify the item, it must be promptly deleted or corrected.

If the item is determined to be inaccurate or unverifiable, I request its removal under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This section requires the deletion of disputed information that can not be substantiated after an investigation.

Please provide me with an updated copy of my credit report reflecting any changes. If you require additional information from me to process this dispute, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
well I have had my car going on 4 years and every dollars of XXXX that i have paid only XXXX went toward the loan also when you are late and pay your bill they will tell you it takes 24 for it to get out of the repo company system if your car get picked up even though you have paid you have to pay all those fees to get it back. It is wrong how bridgecrest and carvana do consumers i will never pay this car off with them taking all the money and paying the interest and not the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I checked my credit report today, I was surprised to see incorrect accounts, and I have no idea how they appeared. I regularly monitor my report, but this time I noticed unexpected errors. I even refreshed my browser to check if it was a mistake, but nothing changed. Because of this, I am requesting a detailed review of the documents I sent so that I can stop worrying about this issue.

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 — Old information reappears or never goes away
Company: Esusu, Inc.
State: MD

Complaint narrative:
in the past i tried to apply for an apt and an account with XXXX that is on my credit report holds me back. The leasing agent contacted this company and was told they have no record of me as a tenant but it does appear on my report but with a XXXX balance. in the rental system however, it shows an unpaid balance. I need assistance asap as i am relocating to a different state and dont want any pushback or delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

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: SC

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 15 USC 1681. 

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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: MO

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 proces 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