vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I see 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Early Warning Services, LLC
State: TX

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 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Over 30 days ago, I requested information on several accounts on my credit report, unfortunately I never received any information. I have asked repeatedly for information on these accounts and for old information to be deleted.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Over 30 days ago, I requested information on several accounts on my credit report, unfortunately I never received any information. I have asked repeatedly for information on these accounts and for old information to be deleted.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report, and a prior 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
On XX/XX/XXXX, I went to Huntington Bank to deposit cash into my account at the ATM as I am a waitress who makes cash tips. After inserting my cash into the machine, I was given a message to contact my finance institution because of problems with the ATM processing my money ( This is the second time I've had trouble at this ATM. The first time in XXXX, I had to call my bank to file a dispute. According to a bank teller who works there, the ATM had a small problem with it that no one knew about, but it has been fixed ). To ensure that my money would actually be deposited into my account, I went into the bank and asked about what could be done. The bank teller suggested that I fill out a dispute, which I did. I then proceeded to deposit the rest of my cash with the teller and leave with my reference number for the dispute. 

On XX/XX/XXXX, I called to inquire about my dispute since I was unable to access my bank account or my debit card and I had a feeling it had to do with it. At this time, I haven't gotten anything in the mail despite being promised I would. The customer service representative I was speaking to didn't give me any information and told me to call the branch. I called the local branch and they told me my account was closed because of fraud. I asked why? They said they didn't know. They also referred me back to the customer service call line that originally couldn't tell me anything. Now, they want me to come in to a local branch to learn more.

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 service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally address my concerns about Zelle 's approach to handling disputes, especially in light of the recent lawsuit filed by the CFPB, which exposes significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle took sufficient action to investigate my claims. They informed me that recovering lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is concerning and raises serious questions 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: 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: GA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 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: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I certified Mail Receipt all three credit bureau 's about correcting my personal information on my credit report and nothing has changed. i attached to the document Certified copy of driver license, Social Security Card, Birth Certificate, proof of address as verification. Experian failed to completed my request nor sent me updated request of incorrect my personal information being corrected. Pursuant to FCRA only accurate information suppose to be reported and incorrect information remains to be report and when i requested proof of investigation verification they failed to respond. 

Experian is still reporting my name misspelled XXXX XXXX that's not how its spelled on my driver license and birth certificate. the correct spelling of my name is XXXX XXXX XXXX. 

Experian is reporting incorrect address which XXXX XXXX XXXX, XXXX XXXX XXXX, New Jersey XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey XXXX i never resign at this addresses nor did i update their system with these addresses. i never applied for credit using these addresses.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-21 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: NJ

Complaint narrative:
I have consistently made my payments to XXXX XXXX on time and take my financial obligations seriously. However, Equifax has reported an inaccurate late payment for XX/XX/year> on my account, which is both unfair and harmful. This false reporting violates 15 USC 1666b ( a ), which states payments can not be treated as late if received within the agreed timeframe. Furthermore, Equifax 's failure to verify and accurately report this information constitutes a direct violation of 15 USC 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 USC 1681s-2 ( b ), which mandates furnishers to investigate and correct inaccurate information. Equifaxs negligence also violates 15 USC 1681a ( 2 ), as it is obligated to ensure that only accurate and permissible information is reflected on my credit report. By failing to address this error, Equifax is in willful noncompliance with 15 USC 1681n, exposing it to liability of {$1000.00} per violation, in addition to punitive damages for knowingly reporting false information. This negligence further breaches 15 USC 1681o, causing me undue stress, financial harm, and damage to my creditworthiness. This false late payment has significantly impacted my ability to secure loans critical for my personal and professional needs, including maintaining financial stability for myself and my family. Despite my flawless payment history, Equifaxs inaccurate reporting is undermining my financial integrity and limiting opportunities. I demand that Equifax immediately correct this inaccurate late payment to reflect PAID AS AGREED. If this is not resolved promptly, I will be left with no choice but to pursue legal action under federal law to protect my rights and seek compensation for the harm caused.

Company response to consumer: Closed with non-monetary relief
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: EdFinancial Services
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Complaint Regarding Student Loan Servicing by EdFinancial Services LLC Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against EdFinancial Services LLC regarding the improper handling of my student loan account, which has caused significant financial and emotional distress. I am seeking your assistance to have this matter resolved and the loan deleted from my records due to the following reasons : 1. **Errors in Loan Servicing : ** I have experienced numerous issues with EdFinancial Services LLC regarding [ e.g., misapplied payments, incorrect balances, failure to provide accurate information ]. Despite multiple attempts to address these issues directly with the servicer, they remain unresolved, which has negatively impacted my ability to manage the loan effectively.

2. **Failure to Provide Accurate Information : ** EdFinancial Services LLC has failed to provide clear and accurate documentation regarding the status and details of m
y loan. This lack of transparency has made it impossible for me to verify the legitimacy of the debt.

3. **Violation of Borrower Rights : ** Failure to honor a repayment plan, ignoring requests for loan forgiveness programs, or other issues related to your borrower rights.

Given these ongoing issues, I believe that EdFinancial Services LLC has acted negligently and in violation of my rights as a borrower. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the situation. Specifically, I am seeking : - Deletion of the student loan from my records.

- A full and detailed account of the actions taken by EdFinancial Services LLC regarding my loan.

- Any appropriate penalties or enforcement actions against EdFinancial Services LLC for their misconduct.

Enclosed with this letter are copies of relevant documentation to support my complaint, including correspondence with EdFinancial Services LLC, payment records, and any other pertinent information.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure this issue is resolved fairly and promptly. Please feel free to contact me at XXXX or XXXX if additional information is needed. 

Sincerely, 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$150000.00} - Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and XXXX refuse to remove incorrect information on my credit report. I filed and disputed identity theft multiple times and they keep denying my disputes and leaving the incorrect marks on my record. All of the hard pulls on my credit report are NOT me and inaccurate. A closed collection from XXXX XXXX  is NOT me. It needs to be removed as well. I have closed credit card accounts and store card accounts that are closed or delinquent. Those are completely inaccurate and must be removed immediately.

Company response to consumer: Closed with non-monetary relief