vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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:
On XX/XX/year> I disputed {$1500.00} for an account that is not mine. They did not properly investigate the complaint and I would like this account to be deleted. I also disputed an account for {$140.00} from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
What Happened : I disputed a fraudulent account with Experian that was added to my credit report by XXXX XXXX XXXX, claiming it originated from XXXXXXXX XXXX XXXXXXXX XXXX. This account, with a balance of {$1400.00}, was not authorized by me and was a result of identity theft. 

On XX/XX/XXXX, I submitted a formal dispute to Experian along with the following documentation : An FTC Identity Theft Report, confirming the fraudulent nature of the account. 
Supporting documentation, including proof of my identity and address. 

Experian responded on XX/XX/XXXX stating : My request to block the account was made in error. 
My request was based on material misrepresentation. 
I knowingly obtained goods, services, or moneys from the disputed account. 

These claims by Experian are entirely baseless and unsupported by any factual evidence. My request was valid, and I provided all necessary documentation under the FCRA ( 15 U.S.C. 1681c-2 ), which requires Experian to block fraudulent accounts if I provide proof of identity theft. Experian failed to investigate the matter reasonably, ignored my documentation, and arbitrarily denied my request without explaining how they arrived at their decision. 

Experians response violates the Fair Credit Reporting Act ( FCRA ), particularly : 1. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : Experian did not adequately review the documentation I submitted and relied on unsubstantiated claims.

2. Failure to Block the Fraudulent Account ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information when provided with a valid Identity Theft Report, which I supplied.

3. Failure to Notify Me of Adequate Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experians vague and dismissive response does not satisfy its obligations under the law. 

This issue aligns with the CFPBs recent lawsuit against Experian, which alleges systemic failures in its dispute handling processes, including ignoring evidence provided by consumers and over-relying on furnishers responses.

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 2025-01-22 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:
There's an item on my credit report that was caused by fraud, and I didn't benefit from it in any way, yet it's still showing up. Despite this, you're continuing to list this false and misleading information on my credit report. It's really frustrating and feels like an attack on my character. Its causing me a lot of stress knowing my rights as a consumer are being ignored. I've already reported it to the Federal Trade Commission, but so far, nothing has been done to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ XXXX XXXX  ], are not complete and accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, report date, high balance amount, this account is not accurate [ XXXX XXXX  XXXX XXXX ] high balance amount, date last active, report date, closed date this account is not accurate XXXX XXXX ] open date is not reporting correctly, date last active, report date, high balance amount, this account is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Regarding the dispute update ( Claim XXXX ), XXXX claimed that the package they sent via XXXX had been picked up, and the person who signed for it was XXXX. I had no idea who XXXX was and I filed a dispute with Bank of America and they closed my case without asking me to provide any evidence. I am asking Bank of America to reopen my case and refund the money quickly, I have attached my evidence. 

XXXX. Non-Delivery : According to the XXXX Proof of Delivery, the package was signed for by someone named " XXXX '', which does not match my name on the order. I never received any call from XXXX regarding the delivery of this high-value item, nor was I asked to provide a one-time password for verification. 
XXXX. Discrepancy in Signature : The name on the delivery signature does not correspond to any of my known names or aliases, as evidenced by the personal identity documents I have provided to XXXX. 
XXXX. XXXX 's Involvement and Promises : After months of interaction with XXXX, they identified this as a case of third-party theft. Despite multiple assurances from XXXX 's customer service that refunds have been processed, I have not received any refund in my account nor have I received any confirmation emails from XXXX regarding these refunds. 
XXXX first claimed the refund was processed on several occasions, stating I would receive the money within days, but this never happened. 
After I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's expert team emailed me on XX/XX/year>, stating that they had approved and processed a refund on XX/XX/year>. However, to date, no such refund has been credited to my account, nor have I received any related communication. 
Attached to this letter, you will find : XXXX Order InformationContains payment and billing information XXXX Shipping Information Contains information about the person who signed for the package Response from XXXX 's Expert TeamProof of XXXX 's commitment to refunds over the past three months My Personal Identity Information and Alias Documentation to confirm the discrepancy in the delivery signature. ( My English signature is on the passport, and my English signature is on the XXXX issued by the US government. In addition, I also uploaded the birth certificate and notarization of my previous names that I provided when applying for a U.S. visa to prove that I never had the name XXXX. ) Given these circumstances, I urgently request your assistance to : Reopen my claim with Bank of America. 
Ensure that XXXX fulfills their promise of refunding the amount of {$5300.00} to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA. 
Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 
These violations have caused significant inconvenience and financial loss I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am currently in the SAVE Plan Forbearance and have been since it was announced. During this time, interest is not supposed to be accruing on the loan balance. I have had interest accruing this entire time and my balance has increased by thousands. 

I believe I have had interest accruing even before this latest round of forbearance, as it has all been insanely confusing the last few years as a student loan borrower. There have been multiple types of forbearance I have been automatically been in, removed from, etc. There has been so much conflicting information on payments, repayments, etc. It is all incredibly frustrating and I believe my balance and accounts are being mishandled against current policy. 

I have attached screenshots that show the balance from XX/XX/XXXX and XX/XX/XXXX where the balance has increased. Note the XXXX balance as XXXX  lower. This all occurred after the SAVE interest halt was announced. These screenshots come from both studentaid.gov and MOHELA. 

Note the MOHELA info shows the interest all at 0 %, yet the balance is increased. 

I have tried to contact MOHELA multiple times but never get through. 

This whole process has felt abusive, cruel, and confusing as a student aid borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The fraud department of Citi bank is unable to verify my phone number or my wife phone number to be able to send a text message to verify the account. The first time this happened I had to wait for a letter 7-10 days after they froze the card. I was assured that my account had not been verified and our numbers would work. This was in the beginning of XX/XX/year>. Today while trying to add the card to XXXX XXXX for a purchase the fraud department froze the card. When I called they said any complication with XXXX XXXX will trigger fraud. They were not able to verify my account through either my wife or my phone number even though they stated this would not be a problem again. So the next verification option is to call a land line associated with the card. A completely antiquated option. Most families in the US do not have a land line. I work for the XXXX XXXX and can not give out my land line. Their next option is to verify with another Citi bank card. Why would I have another Citi bank credit card to verify the first Citi bank card? So the last option is to wait 7-10 to get a piece of mail and call in with a reference number.

This process is unacceptable and antiquated. I have multiple other credit card through my credit union and business account and have never had to deal with this.

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 2025-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: NY

Complaint narrative:
When I applied for UI benefits my card was supposed to be shipped on XX/XX/XXXX. Way 2 customer service representatives said the UI office had to update my home address because there was no apartment number and the card was sent back. The representatives at the local UI office updated my home and shipping address. Way 2 go customer service is telling me their Systems is not allow them to see or update my home address with the apartment number, they can not ship me a a replacement card. They keep telling because their systems is not showing it they can not send my card. That is unfair because UI systems have my correct address so because Way 2 go bank system is inadequate I can't receive my card with my benefits already on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong 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 2025-01-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 2025-01-22 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: NY

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 finds indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to explode 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: WV

Complaint narrative:
The PNC Bank account was in fraud due to someone overtaking the account and cashing an check that I had no knowledge of. I have never been in the south area not sure how someone was able to get my account information in Ohio. I never had access the PNC bank account after the dispute happening on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

Company response to consumer: Closed with non-monetary relief