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: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reinserted on my credit profile after my reinvestigation 1 year ago this account was successfully removed now experian and XXXX illegally violated FCRA by reinserting this account. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This collection account was never properly investigated after i sent mulitple investigation disputes. I received letter back from experian and XXXX stating this account was properly investigated! Experian and XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information. They also failed to delete inaccurate, incomplete or unverified 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing this complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Electric 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: MOHELA
State: CA

Complaint narrative:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I have checked my credit report and I have discovered fraudulent accounts on it XXXX opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX are fraudulent accounts.

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: FL

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 and 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: Early Warning Services, LLC
State: OH

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.

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: UPGRADE, INC.
State: OK

Complaint narrative:
On XXXX I requested a money transfer from Upgrade card to XXXX XXXX XXXX. Upgrade steps they transferred XXXX to XXXX, but XXXX states they do not accept transfers. I have escalated with both companies for two months with no resolution. Upgrade is charging me the XXXX plus fees for a balance transfer even though chime never credited my account for the balance transfer. I filed a XXXX on both companies but they both are saying the other company has the funds. I was provided a trace number XXXX but neither company can track the money

Company response to consumer: Closed with monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm contacting you about the credit file you maintain under my name I recently contacted your company through the Consumer Financial Protection Bureau on XX/XX/XXXX, with a 605B deletion request to block information appearing on this credit report as the result of identity theft and fraud. Along with the request, I submitted an official sworn crime report filed with a law enforcement agency, a copy of the credit report generated by your company showing the items appearing as the result of identity theft, and all of the other information your company would have needed in order to process the 605B deletion request and block the information off of the credit file. However, as of today, you have not processed this block request within the 4-day statutory timeframe required by section 605B from the Fair Credit Reporting Act. At this time, I am requesting that you manually process this 605B deletion request on my behalf. Furthermore, I request an internal executive escalation complaint against this department, against the department 's management, and against the previous supervisors who handled my 605B block based on their refusal to process the block even after having been provided all of the items required by the FCRA which the supervisor would have needed in order to process this block on my behalf. Everything was removed but the XXXX XXXX XXXX on XX/XX/XXXXXXXX 


I am concerned that your company is erroneously processing my block request as a regular dispute when it is actually a request to block information on my credit report resulting from an ongoing identity theft incident which is required by law to be blocked from my credit file within 4 days. When I contacted the data furnisher who reported these items to this credit file, they stated that they do not maintain records of the sworn crime report that was sent to your company along with my initial 605B deletion request, so I am concerned that your company performed an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime report. Can you please process this 605B deletion request manually and file an executive escalation complaint summarizing these issues against the previous supervisors and internal department who initially processed my block request? Can you please also provide me with an executive escalation complaint reference number that I can use in future calls to this department?

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 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 cause significant inconvenience and financial loss. I have transferred in and out over tens of thousands of dollars and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX they sent over a text about a debt with the option to text stop and opt out. I respond stop On XX/XX/XXXX they send me another text message slightly different wording. I informed them again i would be filing a complaint and to leave me alone. 
On XX/XX/XXXX they sent me another text message. All communication has been done over text from the same phone number.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I called after my tax escrow was not received by the city before the end of XXXX. 
I was told it was sent XX/XX/XXXX. The city of XXXX XXXX received payment on XX/XX/XXXX. They also have overpayment of {$310.00} that has not been returned. 

Regards, XXXX XXXX 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Demand for Removal of Inaccurate Information Under FCRA To Whom It May Concern, I am writing to formally demand the removal of inaccurate and harmful information concerning my XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from my XXXX credit report. Despite my submission of substantial evidence through the CFPB portal and your reinvestigation process, this matter remains unresolved. Your response focused solely on alleged late payments without addressing the central issues of violations under the Lemon Laws and the Truth in Lending Act ( TILA ).

Background on the Dispute Vehicle Details : XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ). 
Issue : The vehicle qualifies as a lemon under applicable Lemon Laws. Additionally, XXXX XXXX relied on a fraudulent contract, which is not the agreement I signed, violating the Truth in Lending Act ( TILA ). 
Evidence Provided : I submitted documentation showing the vehicles lemon status, violations of TILA, and evidence of XXXX XXXX presenting a fraudulent contract during the repossession process. 

Experians Inadequate Investigation Your reinvestigation focused only on late payments while ignoring the following key facts : 1. Fraudulent Contract : XXXX XXXX provided a contract that does not match the one I originally signed, raising serious legal concerns. 
2. Lemon Law Violations : The vehicle qualifies as a lemon due to significant defects, rendering the loan and subsequent repossession invalid. 
3. Failure to Verify Information : Your process did not address the legitimacy of the contract or the legal disputes I raised. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is obligated to : Conduct a thorough investigation ( 15 U.S.C. 1681i ) that addresses all aspects of a dispute. 
Correct or delete information that can not be verified or is deemed inaccurate ( 15 U.S.C. 1681c-2 ). 

Legal Demand I demand the following actions be taken within 15 days of receipt of this letter : 1. Immediate Removal : Delete all information regarding the XXXX  XXXX XXXX XXXX XXXX from my credit report. 
2. Written Confirmation : Provide written confirmation that the inaccurate information has been removed. 
3. Furnisher Details : Provide the name, address, and phone number of the furnisher of this disputed information. 

Failure to Comply If you fail to address this issue adequately, I will take legal action against XXXX for : Failure to conduct a proper investigation under the FCRA. 
Reporting inaccurate information that harms my creditworthiness. 
Failure to comply with federal and state consumer protection laws, including Lemon Laws and TILA. 

In court, I will seek statutory damages of up to {$1000.00} per FCRA violation, actual damages for financial harm, and reimbursement of attorneys fees and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB funding against Navy Federal for similar practices, where transactions settled with insignificant balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX  Balance {$700.00} Open Date XX/XX/XXXX XXXXXXXXXXXX  Balance {$440.00} Open Date XXXX XXXX, XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
( 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 Funds 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