vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: WI

Complaint narrative:
I am willing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPBlawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: DC

Complaint narrative:
I have been notified that I owe debit and Ive never made a account with this company and now I cant access the account anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XX/XX/year>XXXX  moved out renting at XXXX XXXX XXXX XXXX  I was renting from along with section 8 I paid 30 percent section 8 housing paid the rest I had no delinquency for 5 years I moved out and this popped up .. they have a lawsuit against them also they are no longer allowed to rent to government properties I dont know where this amount came from the home was spotless when I left I can only guess fraudulent charges of XXXX when I only paid XXXX for rent and for 2 years I paid XXXX dollars they put this amount on my credit FAIR COLLECTIONS & outsourcing according to 15usc1692c ( c ) this should never havent taken place I have no contract with this company and they have my information

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the inquiry from my consumer report no later than 4 business days after such information Ive provided. INQUIRY XXXX  ( Finace ) XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX has damaged my credit by dropping my credit less than 30 days at a time, I have credit cards that are active that says closed which XXXX XXXXXXXX sent a email saying it was not closed and it Effected my credit. I also had multiple inquiries put on my credit from XXXX XXXX XXXX  that changed their name for one loan transaction that was ran multiple times so I I have multiple inquiries. And payments through PayPal which they charged me for Fraudulent Merchants that was paid with my personal bank card and charged me with credit that was not suppose to be charged for return merchandise that was damaged and looked nothing like the advertised photo which was a Fraudulent photo to get consumers to be charged .this has gone on my Credit since XX/XX/year>. I need help paypal and XXXX credit reports are Very inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-01-21 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
On XX/XX/XXXX, I was involved into car accident so I went to XXXX XXXX on the same day to get check up. They did a XXXX  and XXXX  on me for total amount of {$9300.00} on XXXXXXXX  because I have no health insurance. But couple months later they changed the bill to {$23000.00} which is why I'm shocked and I have no money to cover such bill and I'm only earning {$30000.00} below annually for food delivery and I'm XXXX percent below of the poverty line. On XX/XX/XXXX, they even hired the third party which is Harris & Harris Ltd. to try to collect the wrong amount of debt after 60 days which is why I want dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 2025-01-21 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, 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 those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
Ive been sending notarized letter to experian for months requesting investigation on all negative accounts being reported to my credit report and requesting proof and validation of debt but no proof have ever been provided to me. Just that investigation have been completed and debt have been verified with no additional information. And now that I see experian is being sued due to their lack of actually investigating disputes I will like to report that they have not properly conducted an investigation on any of my previous disputes.

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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated 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 University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University 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 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 70,000 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.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-21 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: FL

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 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 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( BLOCK , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectiveness measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their 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 2025-01-21 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: OH

Complaint narrative:
Account # XXXX Subject : Request for Investigation into Credit Reporting Inaccuracies Dear CFPB Team, I am writing to bring to your attention an ongoing issue I have encountered with the three major credit bureausXX/XX/XXXX Equifax, and XX/XX/XXXXregarding my XXXX XXXX account. 

Recently, I submitted a letter to the bureaus requesting an investigation into inaccuracies on my credit report associated with this account. XXXX responded, stating they conducted an investigation and verified the account ; however, Equifax and XXXX failed to respond. 

In a follow-up letter, I once again highlighted the inaccuracies I observed, yet the account was verified once more. I am perplexed by how this account could be verified when it contains several significant inaccuracies. Notably, the account is reporting as past due despite being a charged-off account. My understanding is that charged-off accounts should not be reported as past due. Additionally, the account appears to be illegally re-aging itself each month, and the reported date of last activity is incorrect. 

I reached out to XXXX XXXX directly, and the letter I received from them contradicts the information reflected on my credit report. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 

Furthermore, I have learned that all three bureaus are currently facing lawsuits and investigations for failing to conduct proper investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA, it is the responsibility of the credit bureaus to report complete and accurate information. 

In light of these issues, I have also filed a report with the Federal Trade Commission ( FTC ) regarding potential fraud and the deliberate reporting of inaccurate information by these bureaus. 

I kindly request that the CFPB look into this matter and provide guidance on how I can ensure that my rights are upheld and my credit report accurately reflects my financial history. Your assistance in addressing this issue would be greatly appreciated. 

I will attach the letter from XXXX XXXX & all of my correspondence with the bureaus to this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
Account # XXXX Subject : Request for Investigation into Credit Reporting Inaccuracies Dear CFPB Team, I am writing to bring to your attention an ongoing issue I have encountered with the three major credit bureausXX/XX/XXXX XXXX, and Experianregarding my XXXX XXXX account. 

Recently, I submitted a letter to the bureaus requesting an investigation into inaccuracies on my credit report associated with this account. XXXX responded, stating they conducted an investigation and verified the account ; however, XXXX and Experian failed to respond. 

In a follow-up letter, I once again highlighted the inaccuracies I observed, yet the account was verified once more. I am perplexed by how this account could be verified when it contains several significant inaccuracies. Notably, the account is reporting as past due despite being a charged-off account. My understanding is that charged-off accounts should not be reported as past due. Additionally, the account appears to be illegally re-aging itself each month, and the reported date of last activity is incorrect. 

I reached out to XXXX XXXX directly, and the letter I received from them contradicts the information reflected on my credit report. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 

Furthermore, I have learned that all three bureaus are currently facing lawsuits and investigations for failing to conduct proper investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA, it is the responsibility of the credit bureaus to report complete and accurate information. 

In light of these issues, I have also filed a report with the Federal Trade Commission ( FTC ) regarding potential fraud and the deliberate reporting of inaccurate information by these bureaus. 

I kindly request that the CFPB look into this matter and provide guidance on how I can ensure that my rights are upheld and my credit report accurately reflects my financial history. Your assistance in addressing this issue would be greatly appreciated. 

I will attach the letter from XXXX XXXX & all of my correspondence with the bureaus to this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>2024 I contacted Cashapp with concern of not receiving funds after inputting the correct bitcoin address. They even told me that my bitcoin address will change each transaction but when it did start working the bitcoin address never changed. 

My bitcoin address XXXX {$200.00} was attempted to be sent and it did not work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: KY

Complaint narrative:
We have been in contact with the PNC bank every since we got served. In XX/XX/year>2024. They asked us what we wanted to do and they said to wait for a reinstatement cost and the paperwork. Nothing ever came. Except a bill that had went from {$5000.00} to {$8000.00} so we called. They asked if we had received an email which we had never even supplied them with an email the face is the email XXXX. no one has ever even had that email address. So they proceed to tell us not to pay the bill we received but to wait for yet another reimbursement price. We wait and wait nothing yet another bill only it went this time from {$8000.00} - {$10000.00}. We contacted PNC again and got the same run around only this time we asked for a customer advocate. We told her of these issues and she understood and even looked up the numbers we had called from. The next thing we know a Commissioner sale paper ended up on our door. We have also tried to be on contact with the attorney of PNC and we finally got a hold of him but not until one day last week. He laughed at my husband. And told us he didn't work for PNC he would not know their protocols. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
XX/XX/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