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: Block, Inc.
State: AL

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. Therefore, 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: Block, Inc.
State: IL

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

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

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

Complaint narrative:
I am fillings 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 their 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 actions.

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: FL

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 XXXX schools, urging immediate action to approve outstanding XXXX XXXX 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 XXXX XXXX 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 XXXX 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 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 XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. 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: 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: GA

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

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: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
i have a loan on my credit file which is not mine, i asked Hyundai and they sent me the invoices showing it is not mine but wont review from my credit

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This bureau repeatedly keeps reporting the wrong information on this account. Why I don't know but I'm tired of disputing it with the XXXX XXXX and Equifax. The other XXXX bureaus don't have the wrong info only Equifax. I do believe you were just sued by this very agency for $ XXXX over this very issue. I do believe XXXX was sued first. XXXX XXXX will be next hopefully because this has been a decades long problem. I am redisputing this with the creditor as well. If you can not get the info right you are required by law to remove it PERMANENTLY!!!! Yet you've refused to do that too! I believe the CFPB should've sued you for XXXX XXXX, the $ XXXX is far, far too low because this bureau is by far the worst of the worst in my opinion.

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: SC

Complaint narrative:
I am disputing inaccuracies on my credit report with Experian. Specifically, my credit report contains XXXX incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have formally requested an investigation and correction of these errors under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct inaccuracies within 30 days of receiving notice. 

I have emphasized Experians legal obligation to conduct a reasonable and thorough investigation, as established in XXXX XXXXXXXX XXXX XXXX, which mandates the highest standards of accuracy, and XXXX XXXX XXXX XXXX XXXX, which requires the agency to go beyond automated checks to verify information validity. 

If Experian fails to resolve these issues within the legally mandated timeframe, I have pointed out that they may face liability under 15 U.S.C. 1681n for willful non-compliance or 15 U.S.C. 1681o for negligent non-compliance. I have also requested a detailed description of the investigation procedures and an updated copy of my corrected credit report as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I made it clear that if the matter is not resolved promptly, I reserve the right to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent off a letter certified mail XX/XX/year> asking transunion to look into a dispute with XXXX XXXX XXXX Letter came back verified as correct. I then asked for the steps that were taken and what information was received to make that decision. A supervisor named XXXX XXXX called me and said she could not tell me what information or even know what was reviewed. This account with XXXX XXXXXXXX XXXX was placed on my credit profile without knowledge, the debt collector before this one was removed due to not having any documentation to verify the debt, as this is the same situation with the current debt collector. I will pursue a sue if this is not handled properly. I also sent consumers adjustment a letter certified mail and have yet to receive any response, this letter went out XX/XX/year>

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 service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cashapp ( block inc. ) due to inadequate customer service and unfair practices, which violate the customer finance 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 resolution process was unfair and deceptive, as they did not comply with electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant financial losses and I see 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered inaccuracies on my credit report that need immediate investigation and correction. These include two accounts XXXX ( XXXX ) ** and COLLECTION ( XXXX ) ** that may have been obtained under false pretenses, violating 15 U.S.C. 1681q. I have demanded that Equifax validate these accounts ' accuracy or delete them if validation can not be provided.

Additionally, there are inaccuracies in my personal information, specifically two incorrect addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is legally required to investigate disputes and correct or delete inaccurate information within 30 days. Failure to conduct a proper investigation would violate federal law. 

I referenced legal precedents, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), to emphasize Equifax 's obligation to conduct a reasonable and thorough investigation, not just rely on automated checks. 

If Equifax fails to comply, they could face liability under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance. This matter requires immediate resolution, written confirmation of findings, and an updated credit report reflecting any necessary corrections.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at your earliest convenience. I have no connection to these accounts and did not approve them. Pursuant to USC 1681g, I request their removal within 15 days. Attached are the necessary documents for your review.

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 — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
I had Certificate of Deposits ( CDs ) maturing at CIT Bank. They were 13 month. I let them renew because the 13 month rate was paying marketplace average of 4.65 APR. On XX/XX/year>, I got a notice that the CDs renewed at 0.30 % which is ridiculously low. I investigated it with the company. They did NOT renew at same maturity length as original. They changed it to the 12 month renewal that was conveniently at lowest rate offered of 0.30 %. I said this was wrong. Renew at the original maturity length. They said NO. This is how we do business. 

My CDs were alot of money so they charged me penalty on my CDs to get them out of the 0.30 % rate.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am 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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Im writting to file a complaint against Navy Federal Credit Union regarding multiples overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP 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: MS

Complaint narrative:
( 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 — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app have been sent accidentally or by any other means over the years and when I would try to get into contact with support, there was nothing. No live agent, no one to really help me ever. Whenever something goes wrong on cash app, I just have to take the money loss.

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: VA

Complaint narrative:
I am writing to express my frustration with Zelle handling of disputes, particularly in the light of the most recent CFPB lawsuit. I have used Zelle many many of times and reported whenever there was a discrepancy, Zelle has failed to review my claims efficiently. I was informed that recovering lost funds or tracking of reoccurring payments were impossible to fix. I feel as thought they failed to protect me as a consumer.

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 with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I experienced a {$200.00} Cash App scam and Wells Fargo initially reversed the charge. During Wells Fargo 's investigation, I felt confident the funds were secure and appreciated their responsiveness. However, three weeks later, I received a request for additional information to continue the dispute. I am disappointed that the funds, which I believed were rightfully mine, may be reclaimed. This creates uncertainty regarding Wells Fargo 's dispute resolution process and raises concerns about the reliability of their guarantee. Why initiate a dispute if the reversal isn't guaranteed? My recommendation is to thoroughly review the dispute process before crediting the funds, as the outcome is not always certain. This situation feels like a double scam, first by XXXX XXXX and now by Wells Fargo 's potential reversal of the credited funds.

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: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
Following is the scam email. I do not have student loan debt. 

XXXX XXXX XXXX XXXX ( 16 minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX with the Student Loan Debt Department . This is regarding your case number XXXX. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new 2025 guidelines. Your file will remain open in my system for only one more day. Please give me a call on Monday at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( PST ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted in, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX, NM XXXX ... ... ... .. We're a marketing company. If you would like to reach the company mentioned, please dial the contact number listed above to be removed from marketing list. To do this, simply type the following URL in your browser : and enter your email as follows : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
this agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. I have previously attempted to address these issues directly with them. They are infringing on my rights, and I am entitled to {$1000.00} for each violation I have outlined. They must either compensate me or promptly delete these accounts.

Company response to consumer: Closed with explanation