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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
Contract Callers INC opened on XX/XX/XXXX, amounting to {$620.00}, and was reported into collections. 
The XXXX XXXX XXXX opened on XX/XX/XXXX, for {$670.00}, which was reported into collections. 
XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, amount {$730.00} and was reported into collections. 
XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, amount {$970.00} and reported into collections. 
XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, amount {$980.00} and reported into collections. 
XXXX XXXX XXXX opened on XX/XX/XXXX, amount {$990.00} and reported into collections.

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:
To Whom It May Concern, I am writing to dispute multiple inaccuracies on my credit report, which are highly injurious to my credit score. As a documented victim of the Equifax data breach, my personal and financial information was compromised, and I believe the following accounts were either fraudulently opened or inaccurately reported. 

Despite a prior investigation, the following accounts still remain on my credit report, and I am in disagreement with their continued presence. I am formally requesting an immediate re-investigation of these accounts : Accounts to Be Re-Investigated & Removed Equifax : 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Removal Under FCRA Pursuant to The Fair Credit Reporting Act ( FCRA ), Public Law XXXX, I am exercising my rights to have inaccurate, incomplete, and unverifiable information removed from my credit report. The specific FCRA statutes applicable to my dispute include : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires credit reporting agencies to delete information if it can not be verified or is found to be inaccurate during a reinvestigation.

15 U.S.C. 1681c ( a ) Prohibits outdated negative information from remaining on a credit report beyond the legal time limits.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Requires data furnishers to report only accurate information, making them liable for reporting fraudulent or incorrect accounts. 
15 U.S.C. 1681s-2 ( b ) Mandates that credit bureaus and furnishers conduct a thorough reinvestigation and remove unverifiable accounts.

Request for Verification Sources In accordance with FCRA Title VI, Section 611 ( 15 U.S.C. 1681i ), I request the following : The names and business addresses of each individual or entity you verified these accounts with, so I may follow up directly.

A detailed explanation of your investigation process, including the methods used to verify these accounts. 
An updated copy of my credit report reflecting the results of this re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX of Bank of America XXXX did not want to fix this issue on a call today XX/XX/XXXX Account ending in XXXX was supposed to be closed same day I opened it and it didnt happened I was charged fees and this fraudulent bank with this fraudulent employee XXXX XXXX refused to adjust the account and fix the issue I told him that I will be submitting a formal complaint with the XXXX and she did not even care about it. This is kind of employees that your company has.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my aisputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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: 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 Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 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: NV

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 covering lost funds was impossible and that tracking these transactions was infeasible. 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 consumers 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: Early Warning Services, LLC
State: NY

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

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Additionally 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Nothing happened. They did not delete anything off. My report at my account is closed suspended.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Nothing happened. They did not delete anything off. My report at my account is closed suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Owned by XXXX ) was advertised as having graduates with {$250000.00} of student debt, which was about double the " in state '' school tuition. They used high pressure recruiting and admissions tactics, making you put an immediate non-refundable deposit to hold your seat if accepted. There was little to no actual information provided on how to navigate student loans other than how to apply to take them out. There was also little information given on how to plan to pay off the loans. Our budgeting exercises in class focused only on income based repayment amounts, which never touch the loan principal. They used XXXX XXXXXXXX as our " educators '' for student loan repayment. XXXX XXXX  offices were raided by the FBI, and its CEO and principal owner was arrested and charged with multiple counts of criminal fraud, identity theft, and obstruction of justice. All they taught us was to take out our loans, do income based repayments, and told us after 20 years of payments our loans would be forgiven. There was no mention of tax XXXX, or the forgiven amount being counted as taxable income the year it was forgiven. Most of us will never be free of these loans. We will have paid 20 years of payments, then owe the IRS MORE THAN WE BORROWED for taxes once loans are forgiven

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the 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 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
My Zelle was hacked and fraud was done on the account money was taken out of my account and sent to different Zelle accounts and Zelle shut my account down. I was robbed of my hard working money and Zelle was not able to fix the problem only thing they did was close my whole Zelle account I can no longer get another Zelle account

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. 
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 2025-01-20 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 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Sent money via XXXX unable to get money back due to being sent incorrectly. Money was non refundable and no way to retrieve from receiver.

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: MN

Complaint narrative:
My card was charged {$160.00} from something i didn't pay for or order

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> while I was away on business in XXXX ( NC ), I got a text from Chase Bank saying someone was trying to wire {$4500.00} was this me? I texted back with no and someone reached out right away. The number came up at Chase Fraud XXXX number ( XXXX ). I XXXX the number to make sure it was legit, and it was. These people already had all my information. They knew exactly the amount I had in my checking account, and they knew my account number and all my security question answers. They told me with all the craziness in the world there are different transactions they must do instead of sending all the money at once. They referenced the XXXX XXXXXXXX XXXX closing and everything has changed since then. They made me do three transactions over three days. They told me to not answer any calls while they were on with them. I believe they were re-routing calls from the real chase fraud to their cells because the only call I got was on the last day of transactions ( XXXX ). They acted as me when chased called I believe the first two days. I made transactions of {$10000.00} on the XXXX ( a preliminary transaction to move some money ), then {$24000.00} ( they said they couldn't do more than that these days ) on the XXXX and finally {$7400.00} on the XXXX. They said when all the money is transferred, they will call me back once it is all cleared on the wires. On Thursday the XXXX and Friday the XXXX they were very accurate on when to call me back and told me XXXX or XXXX XXXX I didn't hear back from them on Saturday and Sunday but got worried when I didn't hear anything back on Monday. I went to Chase bank branch ( address below ) where I keep my money on Tuesday the XXXX and that is when I found out I was scammed. I showed the Branch Manager, XXXX XXXX ( information below ), my cell phone logs, and he verified that the number they were calling from was the Chase Fraud number. He told me that he had never seen or heard of scammers using their fraud number to scam people. These individuals were so elaborate that when they put me on hold, they had Chase commercials and Jingles playing. I honestly believe that they were hacking into Chase 's website along with XXXX XXXX which I later found out that is where the money went to. I was tricked into thinking this was Chase 's Fraud department and got robbed of {$44000.00} almost. I filed a police report and subpoenaed a XXXX XXXX investigation which took a year and a half to conduct. I have all the documentation verifying that I was scammed, and these transactions were fraudulent. Chase will not re-open my case with this new evidence. That is why I am filing this complaint. 

XXXX XXXX VP / Branch Manager JP Morgan Chase Bank XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX verified my phone log records from XX/XX/XXXX, XXXX and XXXX that every time I was called it came from the chase fraud XXXX number.

Company response to consumer: Closed with explanation