vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 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 2025-01-22 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: MO

Complaint narrative:
XXXX 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 six 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 26 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 Borrower Defense Executive Summary and Statements of Facts. 
I have filed a borrowers defense claim on XX/XX/XXXXXXXX  and am currently waiting for resolution. I explained most of what happened in that application but to provide a summary, I was promised that I would find a job making a large amount of money upon graduation. I was also told that my degree would cost me roughly {$47000.00}, however, my current loan is XXXX. I am in debt up to my eyeballs and have had to take drastic measures to make ends meet because of their deceptive manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CO

Complaint narrative:
Experian. Did not complete nor perform an investigation instead they decided that I owe a debt based on their decision. I ask them over the phone. I need to see a written agreement that shows my signature & that the complaining party owns the debt to collect. 
They said that isn't necessary base on my history is enough to make their decision. This is a Red FLAG! They know there is know debt to collect so they play these games to protect the corporation 's they represent. These Corporations are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX was suppose to be delete XXXX XXXX However Experian keep renewing the dates. There has never been an Investigation they make there own decision.

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 2025-01-22 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: IL

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 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 2025-01-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-01-22 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: Aqua Finance, Inc.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I have multiple loans with Upstart. I live in a fema declared disaster. I was denied a hardship request on two loans despite living in a fema disaster area. When I reached out to the company, they told me tough luck, they weren't going to help. The two loans that were erroneously died hardship relief are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent in the Remittance Coupon/Negotiable Instrument for {$10000.00} to XXXX XXXX XXXX XXXX Exeter Finance LLC . I received a letter in mid XXXX calling my documents fraudulent. We asked for them to send back our documents and they refused to send them back. By not returning these documents constitutes securities fraud. According to the Postal Rule the documents are accepted once mailed. Also according to UCC 3-603 ( b ) that refusal of payment results in discharge of the debt.

-On XX/XX/XXXX I sent in the First Opportunity to cure to XXXX XXXX XXXX XXXX with no response. 
-On XX/XX/XXXX I sent in the Second Opportunity to Cure to XXXX XXXX XXXX XXXX with no response. 
-On XX/XX/XXXX I sent in a letter requesting a GAAP audit to the Board of Directors. ( I did miss date this for XX/XX/XXXX by accident it was suppose to be XXXX ), with no response.

When I purchased the Vehicle from XXXX XXXX the only document with Exeter Finance LLC on it was signed by the Notary from the Dealership, not myself. I am attracting this document as well and you will see there is only one signature on it. One signature does not make a contract, therefor there is no contract between myself and Exeter Finance LLC. If there is I was never made aware of itXXXX I am unaware of any Adhesion Contract if there is any, which are illegal.

In between the letters that I sent there would be periods where I wouldn't get any calls and then days where I would get three in a day and several times they would hang up after I answered the phone. On several occasions I have asked for someone from the presidents office to call me and was told they would to never actually get a call from them. I have also requested that they call me after XXXX XXXX as I work third shift and they routinely call me before then. 

I have also asked a couple times for a True Bill to be sent to me that I have never received.

Here in the last 2 weeks I have received a few calls that were aggressive in nature. They have also tried to give me legal advice on the laws unsolicited. On one day they actually called a second time even after speaking to me earlier.

My Credit Report is showing the account has been charged off. Yet I am showing my balance to be increasing. Today when I spoke to a representative that called me I told them to send me the 1099-C so I may report it on my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: FL

Complaint narrative:
After several attempts at removing this fraudulent account off my credit report, I have oddly been met with resistance from this company KIKOFF LENDING LLC, I have submitted for their review, my identity theft affidavit, complete with my license which has my proof of address and yet nothing happens, Upon my own research, the fraudsters used a different address and my identifying information, to open this account. I have made numerous requests to have this fraudulent account removed, and strangely my request was not honored. I am a victim of identity theft, and I have met the burden of proof, in the company response XXXX left out the date this account was open and was left undetermined. I am demanding this fraudulent account be removed. If my request is not honored I will retain counsel and sue for damages and financial harm as well as violations of my consumer rights as a victim of Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name in XXXX shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in XXXX shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in TransUnion shoes as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My correct name should be as : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
My name in XXXX shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in Experian shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in XXXX shoes as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My correct name should be as : 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 2025-01-22 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: NJ

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 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 the consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
My personal and business checking and savings accounts were charged for overdraft and returned item fees on several occasions. It is my request to be fully reimbursed for all overdraft and returned item fees incurred since opening these accounts in 2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I am disputing an unrecognized collections listed on my credit report. Due to the recent issues with Experian as well as my information being exposed in a data breach. I am also writing to dispute and request the removal of derogatory accounts ( listed below ) from my credit report under 15 U.S.C. 1681c-2. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, it must be removed from my report as per 15 U.S.C. 1681e ( b ). Additionally, under the Fair Debt Collection Practices. Act ( FDCPA ), 15 U.S.C. 1692g, I request validation of the debt. If you are unable to validate, the account must be deleted from my credit report immediately. From all Bureau/ credit reporting agencies

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
When my husband was told he has a XXXX XXXX XXXX XXXX that is likely XXXX and he will need XXXX everything changed for us. The cost of everything increasing was already making it difficult for us to pay our bills, but the additional medical bills made it even harder. I continued to pay my Discover credit card each month, but the company closed my account anyways. I explained what we were facing but it made no difference and, I guess, my monthly payments were not enough. A few months later, in late XXXX of 2024, a law firm, XXXX XXXX XXXX, sent me a letter saying I owed Discover a large amount. I wrote back in early XXXX of 2024 and stated that I believed there was an error in the calculation and I requested proof of the debt. The letter they sent said they must stop collection on any amount I disputed until they could send proof. They never responded again until I was served yesterday. I am now expected to file a written answer with a local court. How can they sue me when they never provided the proof of debt I requested? I am still frustrated that Discover closed my account when I was making payments! And with the fact that they could not care less that we are facing something really difficult. Discover and XXXX XXXX XXXX have caused a lot of additional stress that seems unecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
Violations of the Fair Credit Reporting Act Experians actions constitute the following violations of the FCRA : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : XXXX is legally r

equired to investigate disputes within 30 days and ensure accuracy. Their failure to properly investigate and resolve the disputed inaccuracies violates this mandate. Failure to Notify Furnishers of Disputed Information ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : XXXX did not demonstrate that it notified the furnishers of the disputed information within the required five business days, as mandated by law.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX has a duty to ensure the maximum possible accuracy of credit report information. The continued reporting of inaccurate information demonstrates a breach of this obligation.

Failure to Provide Dispute Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : XXXX failed to provide me with a detailed explanation of the results of its investigation and did not furnish an updated credit report reflecting corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I have disputed fraudulent information on my credit report since 2021, and no information has been verified from the 3 credit bureaus. ( Equifax XXXX XXXX ) Unverified items were marked Verified. I have submitted over 50 disputes ( online and through mail ). And over 15 disputes on CFPB, and each time they stated that the items being disputed were verified when they never were verified. As demonstrated in CFPB lawsuits and reflected in my experience : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 Failure to ensure maximum possible accuracy in credit reporting ( Section 1681e ( b ) ).

Improper handling of disputes, including inadequate investigations and failure to correct or delete inaccurate information ( Section 1681i ).

Reinsertion of previously deleted items onto my credit report without providing proper notification ( Section 1681i ( a ) ( 5 ) ( B ) ).

Reporting unverifiable items as verified without proper substantiation.

2. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 Engaging in unfair, deceptive, or
abusive acts or practices ( UDAAP ), as highlighted by the CFPB lawsuits.

3. State Consumer Protection Laws [ Add any relevant state-specific laws, if applicable. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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