vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Identify theft and security breech. 
Accounts Negatively reporting on my credit files XXXX XXXX XXXX XXXX Credit Report As of : Today Credit cards & credit lines XXXX XXXX XXXX  XXXX Open/Closed Account lype Balance Date Opened XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXXXXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX, XXXX. 
XXXX Closed Secured Card XX/XX/XXXX Closed Charge Card XX/XX/XXXX Closed Credit card {$780.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX  XXXX XXXX XXXX  XXXX Open/Closed Account Type Balance Date Opened Closed Auto Loan {$15000.00} XXXX XXXX, XXXX Closed Auto Loan {$2600.00} XXXX Open/Closed Account Type Balance Date Opened Closed Auto Loan {$2600.00} XX/XX/XXXX Student loans XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX Open/Closed Account Type Balance Date Opened Closed Education XX/XX/XXXX XXXX  XXXX  XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX  XXXX XXXX XXXX  XXXX Open/Closed Account Type Balance Date Opened Closed Secured Loan {$2400.00} XX/XX/XXXX Closed Unsecured {$2900.00} XX/XX/XXXX XXXX. XXXX, XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account lype Balance Date Opened XXXX XXXX XXXX  XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00} XX/XX/XXXX As of : XXXX XXXX XXXX Account Type Balance Date Opened XXXX. XXXX, XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX  XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash app ( block inc ) due to inadequate customer service and unfair practices which would 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 reregulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 ( 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I'm 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 taking these transactions was unfeasible. The CFPB 's 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AK

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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXX. 
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: NY

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data Breach. Reviewing my credit reports, I noticed some accounts i am unfamiliar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with. 
Please find attached a copy of my ID, The FTC compliant, a copy of the XXXX report showing my information being exposed in a data breach and a validation of debt letter.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data Breach. Reviewing my credit reports, I noticed some accounts i am unfamiliar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with. 
Please find attached a copy of my ID, The FTC compliant, a copy of the XXXX report showing my information being exposed in a data breach and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I subscribed with XXXX XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, and XXXX i was charged fee for all those year and nothing happened for my credit.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered inaccurate information on my credit report and submitted paperwork to inform your company of the errors. This paperwork included supporting documents to verify the correct information. Despite this submission, the inaccurate information has not been adequately addressed or corrected. I am requesting that this matter be reviewed promptly and that the errors be rectified to ensure the accuracy of my credit report. Please investigate this issue and provide an update on the actions taken to resolve it.

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

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

Complaint narrative:
I have disputed with Experian regarding inaccurate reporting and nothing has changed. These debt collection companies refuse to provide any purchase agreements that are signed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I attended XXXX XXXX  XXXX XXXX XXXX XXXX, previously owned by XXXX and feel I have been scammed with taking out my loans. The amount I owe is astronomical and am having a tough time paying it back. 


XXXX XXXX XXXX XXXX  has already found significant evidence of misconduct by these schools. Specifically, 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 XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I bought a Washer/Dryer combo from Best Buy XXXX XX/XX/XXXX. Best Buy refused to deliver the product. On multiple occasions they called an said the product would be delivered. However, on the day of the delvieries no one showed up. I tried multiple times to contact them and receive info as to when the product would be delivered. No one in the compay was able to provide information. 
-Went online for info. ( Web chat ) -Spoke to XXXX XXXX -Went into the store twice. 

On or about XX/XX/XXXX I filed a dispute with Best Buy Citi Card. Since Best Buy is committing Fraud by selling and billing products but refusing to deliver them.

Once I filed the dispute, Best Busy Citi put the amount in dispute. 
However, they sent me a statement saying I owed a monthly payment. 

So, I went on the website and tried to make a payment. However, the site wouldn't let me make a payment because it said I had a negative balance. And a payment can not exceed the balance. So the site wouldn't let me make a payment. I have screen shot of this. 
I called Best Buy Citi spoke to a representative. Case # XXXX He said that I did not owe a payment and no late fee or penalties would be assessed. 
However, immediately after the due date, Best Buy Citi charged me a late fee.

I am complaing to the CFPB because i believe both Best Buy and Citi Card are engaged in willful and intentional fraud. They have constructed a system where no consumer can get accurate information. And they use software and automation to impose fees and delay services required.

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 monetary relief
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: 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have tried to dispute this collection from XXXX XXXX off of my credit report many times and this credit bureau is not looking into this matter effectively. I do not know who this company is, and I have NEVER been in agreement with them. I do not owe this company, and I did NOT open an account with them in XXXX of 2022. I've asked in the past for THIS credit bureau to show me WRITTEN proof of an agreement between myself and this company and it was NOT provided, and the account remains on my credit report. If a written agreement with my signature can't be shown, please delete and remove this off my credit report ASAP! I will look into Legal matters if this problem continues to happen! 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies12. It requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the 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 non-monetary relief
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: DC

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light.

As a frequent user of Zelle, I have experienced discrepancies in transactions and reported them to both my financial institution and Zelle. However, my concerns were met with inadequate investigation and the conclusion that recovering lost funds was impossible. I was also informed that tracking these transactions was unfeasible, which I find troubling given the platforms widespread use.

The CFPBs findings suggest that Zelle has not only failed to adequately protect consumers but has also allowed repeat offenders to exploit the system. This lack of accountability has left users vulnerable to scams, fostering an environment where bad actors face little consequence.

This situation raises serious concerns about consumer safety, transparency, and the integrity of Zelles operations. It is unacceptable that a platform designed for financial transactions does not prioritize safeguarding its users.

I urge Zelle and its partnering financial institutions to address these systemic issues, implement robust fraud prevention measures, and ensure accountability in handling disputes. Consumers deserve a platform that prioritizes their protection and trust.

I look forward to your response and to seeing meaningful action taken to address these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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

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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief