vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
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 has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: 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: TN

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act 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 and regulation XXXX 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: Block, Inc.
State: FL

Complaint narrative:
I had my account hacked and I told them it wasnt me and they refused to fix it. Gave me some bogus number to call and they didnt even help I got an email back saying because my password was used it was an authorized user this happened around hurricane XXXX XXXXXX/XX/year>

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: FL

Complaint narrative:
I am filling a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices

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 to formally Express my concerns regarding zelle handling my 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 my lost funds was impossible and that tracking these transactions was unfeasible. The cfpb findings indicates that's zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TN

Complaint narrative:
On XX/XX/XXXX, I sat on hold for over XXXX hours. When I was finally connected with someone, they transferred me to a different department where I sat on hold for XXXX hour, XXXX minutes. I was then told they could not provide a status on my loan discharge, despite being approved for discharge in XXXX of XXXX. I was told to contact the XXXX. Of XXXX to check my status. When I contacted the XXXX. Of XXXX I was told they had sent my status to Mohela in XXXX of XXXX.

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: 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: MI

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit bureau to investigate an account that I felt that was being reported erroneously. The bureau responded back the same day stating that an investigation was completed and the account was not being removed. 

I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX, and Transunion 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit bureau to investigate an account that I felt that was being reported erroneously. The bureau responded back the same day stating that an investigation was completed and the account was not being removed. 

I am filing a complaint against XXXX, Experian, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Experian, and XXXX 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, XXXX '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 Experian complies with federal law and provides consumers with the necessary proof of investigation.

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: NC

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Second Request for Removal of Inaccurate/Unverifiable Information Under 15 U.S. Code 1681i ( 5 ) To Whom It May Concern, This letter serves as a formal follow-up to my initial dispute dated [ insert date of first dispute ], which requested the investigation and removal of inaccurate or unverifiable items on my credit report. Per 15 U.S. Code 1681i ( 5 ) ( A ), if any information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the correction. 

Despite my prior request, the following items remain on my report without validation or correction. I demand immediate action to resolve this matter within 15 days of receipt of this letter : Disputed Accounts : XXXX XXXX XXXX. 
Reason for Dispute : The account is listed as " Closed '' but reflects a balance of {$6000.00}, which is inconsistent and unverifiable. Additionally, the payment history contradicts the charge-off status. 
Requested Action : Provide proof of the original signed agreement, detailed payment history, and an itemized breakdown of the balance, or remove the account entirely. 
XXXX XXXX XXXX XXXX for Dispute : A collection account with a balance of {$910.00} is reported without identifying the original creditor or providing supporting documentation for this debt. 
Requested Action : Provide validation of the debt, including a copy of the original agreement bearing my wet signature, or remove this account. 
XXXX XXXX XXXX XXXX for Dispute : The {$760.00} balance is unverifiable. No original agreement or supporting documentation has been provided to validate this debt. 
Requested Action : Provide validation of the debt, including original documentation and proof of authorization to collect, or delete this item. 
XXXX XXXX XXXX XXXX for Dispute : This {$730.00} collection account remains unresolved despite being marked as disputed. No validation has been provided to support its accuracy. 
Requested Action : Provide proof of the original creditor agreement, validation of the debt, or delete this item. 
Legal Violations Noted : Violation of FCRA ( 15 U.S. Code 1681e ( b ) ) : Failure to ensure maximum possible accuracy in reporting.

Violation of FCRA ( 15 U.S. Code 1681i ( 5 ) ) : Failure to delete or modify unverifiable or incomplete information after a dispute has been raised. 
Violation of FDCPA ( if applicable ) : Failure to provide proper debt validation. 
Show proof with in 15 days or remove

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: TX

Complaint narrative:
I am writing 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 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: 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/1980 This CFPB has been filed to request pursuant to FCRA XXXX XXXX ( 15 U.S.C section 1681c-2 ) that you TransUnion, XXXX XXXX and XXXX XXXX reporting agencies, block information appearing on my consumer credit report that this is a result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent inaccuracies and false information consists of mobile accounts and insurance information and collections and false records on my behalf. These accounts have resulted in several fraudulent inquiries and fraudulent collections, I do not recognize the aforementioned accounts or collections and results of the identity theft and they have not been initiated by me. I have attached a copy of the FTC identity theft Complain ref # XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent XXXX letters from XX/XX/XXXX to XX/XX/XXXX to each credit agency asking to remove these negative items from my report and to correct the incorrect info and provide or provide proof that its mines from company they have failed to investigate properly Im a victim of identity theft and I have been through hardship due to this has impacted my life and my children lives my housing and finance I need all of these negative items removed off my credit report Immediately

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: IL

Complaint narrative:
Im filing a complaint against cash app ( Block, Inc. ) do to inadequate customer service and unfair practices, which violates the Customer 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. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial losses 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filling a complainant 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 at risk and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fraud 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Experian for FCRA Violations Dear CFPB, I am submitting this complaint to address significant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by Experian, which have caused substantial harm to my financial and personal life. 

Experian has failed in its legal obligations by : Not conducting reasonable investigations of disputes I submitted, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Failing to ensure maximum possible accuracy of reported information, per 15 U.S.C. 1681e ( b ). 
Reinserting inaccurate information into my credit report without providing proper certifications and notice, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Experians negligent practices have been well-documented, including recent fines and penalties imposed by the CFPB for improper investigation of disputes and inaccuracies. These practices have directly impacted me, resulting in : Denial of credit opportunities Increased interest rates Emotional distress and financial hardship Additionally, I was a victim of the Experian 's data breach, which further exposed my sensitive information and amplified the harm I have suffered. 

Requested Resolution : Immediate deletion of all previously disputed negative items on my credit report that were not properly investigated, as mandated under FCRA guidelines. 
Confirmation that Experian will cease reporting inaccurate information in the future. 
Assurance of compliance with all FCRA obligations moving forward. 
These violations have hindered my ability to progress financially and have caused unnecessary stress and hardship. I urge the CFPB to take swift action to address Experians systemic failures and enforce compliance with the FCRA.

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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation