vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: PA

Complaint narrative:
Hello, I have a school loan with XXXXXXXX XXXX, have contacted the school loan XXXX several times, they are shut down, and have sent my school loan to a debt collector, but I have made an agreement with the XXXX XXXX XXXX XXXXn my school loan. XXXX XXXX will not remove this from my credit report, and I do not owe them.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I have a school loan with XXXXXXXX XXXX, have contacted the school loan XXXX several times, they are shut down, and have sent my school loan to a debt collector, but I have made an agreement with the department of education on my school loan. XXXX XXXX will not remove this from my credit report, and I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I have a school loan with XXXXXXXX XXXX, have contacted the school loan XXXX several times, they are shut down, and have sent my school loan to a debt collector, but I have made an agreement with the XXXX XXXX XXXX on my school loan. XXXX XXXX will not remove this from my credit report, and I do not owe them.

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 2025-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
No XXXX XXXX I opened and Account Dispute on XXXX credit report and on XXXX XXXX the dispute was already process and results was ready. There was not a proper investigation taken on this matter. I received no notification of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app for XXXX dollars and XXXX dollars I want my name on the settlement I have down loaded photos of the transactions they didnt help at all in the recovery of funds I see there was a settlement because of there shady practices I just what my money back using the app in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 2025-01-19 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: SANTANDER HOLDINGS USA, 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
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am following a complaint against block inc For lack of customer service to give me a live representative to help me with any of my fraud protection no one to talk to live no one 800 number to talk to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am locked out of my XXXXXXXX XXXX XXXXXXXX XXXX. I have contacted both of these companies with no results or investigation. I DO suspect fraud, as they are addressing me by " XXXX '' and I am not this person. They are putting things on my credit report as well! This is not my name. This is incorrect! I filled out their secure form with my driver 's license and heard nothing back! 

I received the following : Customer Experience XXXX Mon, XX/XX/year>, XXXX to me Hi XXXX XXXX I'm sorry your XXXXXXXX  account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within 48 business hours.

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, Customer Experience XXXX Mon, XX/XX/year>, XXXX to me -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Customer Experience [ XXXX ] Sent : XX/XX/year>, XXXXXXXX XXXX To : XXXX Subject : XXXX XXXX XXXX XXXX I'm sorry your XXXX account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within 48 business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, XXXX XXXX XXXXXXXX Wed, XX/XX/year>, XXXX to Customer I still do not have access to my account and you have my driver 's license. I will dispute any charges concerning this account, since I'm locked out of it. 

On Mon, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Customer Experience XXXX wrote : Hi XXXX XXXX I'm sorry your XXXX account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within 48 business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Denefits LLC
State: WI

Complaint narrative:
I was locked up when this illegal account was setup I sent company information showing I was incarcerated when these accounts was setup

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 2025-01-19 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Upon checking my credit i have serval inquires that i didnt authorize i would really like for them to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
About 2 years ago I purchased solar panels from XXXX solar for my house to conserve energy to save on my electric bill. I was told my electric bill would zero out sometimes and maybe I would get a refund back sometimes. This never happened since I had the panels so after about a couple of months I called to see what was going on and I was told the the panels were not working properly. So the came out to fix them but my bill was still normal as if I didn't have panels so I had to call them multiple times. And here we are today and months ago and XXXX solar filed for bankruptcy. And just a few weeks ago I was scammed by a company claiming to be a representative for XXXX charging me {$130.00} to renew my warranty or I would lose the warranty for good.im just tired of paying the loan company ( good leap ) {$250.00} a month and the {$250.00} electric bill also every month. If titan solar filed bankruptcy and doesn't have to honor the contract then why should I have to continue to pay for something that doesn't work,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase XXXX XXXX credit card on the promise of a {$200.00} reward bonus. I have satisfied the conditions as the consumer ( must make a certain amount of purchases to qualify ), however have not received the promotional reward of {$200.00}. 

I have made 2 phone calls to customer service. First phone call the rep understood the error and stated the bonus would be applied to my account within 3 days however that did not happen. This negligence prompted my second call and I was told they need more information (?? ) This is classic reel the consumer in by false pretense. 
Chase never honored their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 Zelle, XXXX 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 have failed to investigate my claims adequately. They informed 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 2025-01-19 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: SC

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 2025-01-19 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: MD

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 exporting 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 finding 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 2025-01-19 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: AL

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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also has 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 2025-01-19 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:
XXXX XXXX I am to formally express my concerns regarding XXXX 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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:
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. 

Addresses : XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Accounts : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NJ

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