vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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 this 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint for Removal of Student Loans from Credit Report and Review of Forgiveness Eligibility To Whom It May Concern, I am submitting this formal complaint regarding the mismanagement and continued reporting of my student loans, which have caused significant financial and emotional distress. I am requesting the immediate removal of these student loans from my credit report and a full review of my eligibility for loan forgiveness under federal law. 

Details of the Complaint : XXXX. Long-Term Participation in Income-Driven Repayment ( IDR ) Plans : I have been enrolled in an Income-Driven Repayment ( IDR ) program for several years, consistently making payments as required. 

Despite my consistent participation, none of my student loan balance has been forgiven, in direct contradiction to federal guidelines that promise forgiveness after XXXX years of qualifying payments. 

This is a violation of the Higher Education Act of 1965 and the terms outlined in IDR programs, which mandate forgiveness after a designated period of repayment. 



XXXX. Bankruptcy Filing and Undue Hardship : I have filed for bankruptcy, which further demonstrates the undue hardship caused by these student loans. 

Under 11 U.S.C. 523 ( a ) ( 8 ) of the Bankruptcy Code, student loans can be discharged in bankruptcy if they create an undue hardship. 

My financial situation meets the XXXX XXXX standards : Poverty : Repaying these loans prevents me from maintaining a minimal standard of living. 

Persistence : My financial hardship is ongoing and unlikely to improve. 

Good Faith : I have made good faith efforts to repay my loans through consistent participation in repayment programs. 




XXXX. Negative Credit Reporting : These student loans are negatively affecting my credit, preventing me from accessing essential financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, lenders are required to report accurate and complete information. The continued reporting of these loans without honoring forgiveness programs or considering my bankruptcy filing is a violation of this law. 



XXXX. Violation of Consumer Rights : As a United States citizen, I have the right to fair treatment under federal law. 

The mishandling of my student loan repayment and forgiveness eligibility violates my rights and hinders my ability to live freely and pursue financial stability. 




Relevant Legal Violations : Higher Education Act of 1965 : Failure to administer loan forgiveness as promised under IDR plans. 

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Reporting inaccurate or outdated information. 

Bankruptcy Code 11 U.S.C. 523 ( a ) ( 8 ) : Ignoring eligibility for loan discharge due to undue hardship. 

Consumer Financial Protection Act ( Title X of Dodd-Frank Act ) : Unfair and deceptive practices by loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 filing a complaint against Cash App ( Block , Inc ) XXXX the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under 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 2025-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
I started XXXX in XXXX at XXXX XXXX in XXXX Maine - they have since dismantled as well as XXXX XXXX that I attended after. I finally received my degree from XXXX. Since taking out loans, the service providers have changed dozens of times with extra fees and and hard to keep up with. My degree has not helped me. At XXXX, I am working as a XXXX just as I was XXXX XXXX. I have been laid off XXXX times from corporate jobs, can not find one after XXXX of applications. My degree has not helped me like I was told. Keeping up with loans, deferments, the companies that own them has been a full time job. I have been taking advantage of, this financial burden has caused me so much stress I am loosing sleep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 ). 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Subject : Complaint Against Midland for Incorrect Reporting In regards to XXXX XXXX XXXX XXXX XXXX account number ending XXXX Amount {$3700.00} Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX regarding an entry on my credit report that I believe is inaccurately classified as a charge-off. Specifically, this entry should be considered income, as I did not receive a XXXX form to account for this amount. 

Under IRS guidelines, a charge-off should be reported as income if it meets certain criteria, and I believe that this entry is not accurately represented in my credit report. I request that this be investigated and removed from my credit report, as it does not reflect my true financial situation. 



I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a checking account with Truist on XX/XX/year>. They had a promotion that offered a {$400.00} bonus if you opened a checking account and met some requirements. 
I met the requirements that were clearly stated in the offer terms, which basically resumed to setting up direct deposits to the account and keeping the account in good standing. After their evaluation, I received an email saying that I failed to meet the promotion requirements. I called them and asked what the reason was, and they informed me that it was because the balance on my checking account was {$0.00} when I should have had at least {$1.00} in my account when they ran their verification. I said that the {$1.00} requirement was not clearly communicated and that I should still get the bonus as I met all the requirements that were clearly stated, including setting up the direct deposits and keeping the account open and not overdrafting it. They refused to accept my request and said that the {$1.00} requirement is mentioned in the terms and conditions and that there's nothing they can do. 
It turns out that the requirement that was mentioned in the terms was {$0.00}, not {$1.00}, and it was printed in a remote section of the Terms and Conditions document and not along with the Offer information section that specifies the rest of the requirements for obtaining the bonus. It would have been very easy to maintain a {$0.00} requirement had I know about it, but because they conveniently failed to mention this requirement up-front, I was denied the offer bonus. I would like them to reconsider awarding my bonus as per the intention of the promotion, as I have honored the requirements that were clearly stated in the offer information. 

The Terms and Conditions of the Truist offer are attached to this claim. Note that the Offer information section is the only part displayed on the offer page when opening the account.

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Yesterday on XX/XX/year> I had XXXX hard inquiries on my transunion account that I did not authorize. I tried to contact these companies by the phone numbers listed on Transunion and the automated system will not allow me to proceed without providing my social security number, which I will not do. These appear to be credit card companies and I did not solicit any of them. 

I am also forced to use a program at work called XXXX for my financial statements among other things. I received multiple notifications that my account was attempting to be accessed.

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 2025-01-17 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 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, theory dispute and 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 inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 proce 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 the timely and effective measures to prevent and address fraud on their platform, leaving my account and personal information 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. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 unfair practice 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 disputes resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss and i seek appropriate redress for those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 cashapp ( Block , Inc ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). specifically, cashapp failed 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 cause significant inconvenience and financial loss and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: LA

Complaint narrative:
Experian 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 Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to inadequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian '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 2025-01-17 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, 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 recourse for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate. Pursuant to XXXX of the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate the disputed items listed below, verify their accuracy, and provide written documentation of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate. Pursuant to 611 of the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate the disputed items listed below, verify their accuracy, and provide written documentation of the results.

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