vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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. Futhermore, 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 2025-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received late fees on a vehicle loan from Capital One, even though I have set up a recurring weekly payments. I believe there is a software glitch that is automatically charging late fees because of a preconditioned algorithm. I have only had the vehicle for less than 90 days and have received late fees twice. I was also told that every month I would then have to call the customer service line to have the late fees waved. This is a lost of my time and my patience. If the company is not refunding customers then this is fraud. The terms and conditions of the recurring payments says nothing about incurring late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: KY

Complaint narrative:
Unifin offers a way to negotiate your debt and we had settled on payments of XXXX a month for XXXX  months totaling XXXX to settle the debt of approximately XXXX. After entering your payment information they try to get you to confirm the payment arrangement XXXX more time. However, in the XXXX attempt after putting in your payment information they show the same payment schedule except for the last payment they change it from the agreed upon price to the remaining balance of the XXXX. Hoping people with authorize without noticing that last payment was changed. I backed out of it instead of hitting submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
Duplicate MOHELA accounts reporting on my credit report which doubles my debt and significantly dropped my credit score.

Mohela took over loan servicing from department of education but the department of education loan still shows an active loan on my credit report.

So it appears that I have 3 student loans on my account totaling over {$110000.00}. I am only supposed to have one loan reported on my credit report.

This issue has negatively impacted my life and has caused a huge amount of stress for me. Ive been trying to purchase a car but my debt is too high and my credit score is not strong enough to receive the most favorable loan terms. The duplicative reporting is negligent on Mohelas & the Department of Education. Mohela wont even answer their phone & I cant speak to a live person. 

Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : Formal Dispute Regarding Inaccurate Information on My Credit Report! 

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlights systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I am submitting this complaint regarding an invalid debt reported by IC Systems on behalf of XXXX. The details of my dispute are as follows : On XX/XX/2025, I spoke with XXXX XXXX XXXX department representatives who both confirmed that I owe {$0.00} on my account and that my account was never billed for any equipment. Despite this, IC Systems claims that I owe {$120.00} for equipment and has refused to provide any documentation or proof of a bill for this debt. Additionally, IC Systems has stated that they will not contact XXXX to verify the debt. 

Immediately after ending my call with IC Systems on XX/XX/2025, I contacted XXXX to confirm the status of my account. Both representatives reaffirmed that I owe nothing and was never charged for any equipment. 

I have written proof of my communication with XXXX agents, which I will attach to this complaint if allowable. 

I am requesting that the CFPB investigate this matter and require IC Systems to either provide valid documentation proving the legitimacy of this debt or cease collection efforts immediately. If this debt has been reported to any credit bureaus, I also request its immediate removal as it is inaccurate and unjustified. 

Thank you for your time and assistance in resolving this matter.

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 2025-02-22 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: NJ

Complaint narrative:
I was a victim of the Equifax date breach and Would like fraudulent account removed please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I paid my car note on XX/XX/2025. I paid a total amount of {$520.00}. Which wouldve avoid me being 30 days late period. I paid on a Friday. However, the company would not allow my payment to post until the XXXX next business day. I want to ensure that I do not receive a One time 30 day late on my credit Report. This is unfair and Not counting weekends for A check by check consumer does not give us the grace thats needed. Please make sure that the company do not report a one times 30 that can hinder any future credit approvals and decrease credit score. If this happens, it could endanger my job and my residency since interest rates are so high, I feel that this should be an adjustment that Toyota financial should consider

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2025-02-22 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: MI

Complaint narrative:
Filed a dispute with Equifax twice with supporting court document on XX/XX/XXXX and another one on XX/XX/XXXX. XX/XX/XXXX dispute was for {$3600.00} and XX/XX/XXXX was for {$1700.00}. The amount given to the court was {$2500.00} which does not the match the amount added to my credit report. Secondly, there was a court ruling stating no money judgement or liability of all occupants was issued due to agreement of moving out by XX/XX/XXXX. States in document section 10 : The court further orders. I have attached the document to both disputes. I have also disputed the collection on XXXX and XXXX with the same document, which both agencies deemed sufficient enough to remove the collection as it is not accurate and goes against the court agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
Complainant Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX ] Phone Number : [ XXXX ] Email : [ XXXX ] Respondent Information : Entity Name : XXXX XXXX  Address : [ XXXX XXXX XXXX, XXXX XXXX, TX XXXX ] Phone Number : [ XXXX. ] Nature of Complaint Summary : On [ XX/XX/XXXX ], I submitted a lawful payment in the form of a security bond/negotiable instrument valued at {$21000.00} to XXXX XXXX to satisfy the remaining balance on my vehicle loan account ( [ Account Number ] ). This payment was tendered in accordance with Uniform Commercial Code ( XXXX ) XXXX and constituted lawful discharge of the debt. I included the appropriate documentation and followed all required procedures, including certified and registered mail, incurring {$90.00} in costs. 
Despite XXXX XXXX XXXX receipt of this lawful payment, they refused to accept it, continued to classify my account as delinquent, and threatened repossession of the vehicle. This refusal constitutes a breach of contract, a violation of UCC provisions, and an attempt to unlawfully convert the property for profit. 
In addition to financial harm, I have experienced severe emotional distress due to XXXX XXXX XXXX misconduct, including anxiety and fear over the potential repossession of my vehicle. 

Violation of Federal and State Law UCC 3-603 : XXXX XXXX  failed to adhere to the requirements of this provision, which governs the refusal of lawful tender. 
Unfair or Deceptive Practices : XXXX XXXX engaged in practices that could be deemed deceptive under the Consumer Financial Protection Act of XXXX. 
Threats of Repossession : These threats, despite lawful payment having been tendered, are abusive and unfair practices. 

Damages I am seeking restitution in the following amounts : Actual Damages : {$21000.00} ( value of bond ). 
{$2700.00} ( balance from the most recent statement ). 
{$100.00} ( registered and certified mail costs ). 
Emotional Distress : {$7500.00} for XXXX, stress, and mental harm caused by the actions of XXXX XXXX 
Punitive Damages : {$47000.00} to deter further misconduct by XXXX XXXX  and address willful disregard of my rights. 
Total Damages Sought : {$78000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NC

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 the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient 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 2025-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/year>2025 I paid {$1200.00} to Chrysler Capital to settle my account paid in full for account XXXX in which till this Day XX/XX/year>2025 the debt is still reflecting my credit negatively impacting my score. I have provided a letter of satisfaction I want an immediate removal of the debt from the bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received student loans that I didn't ask for and the mistake cost me money. I asked the school and the loan processor for help with my student loan issue but have not received a response. 
At the beginning of this semester, the school told me I had to fill out a FASFA application ( they send an automated alert every semester ). I updated my information and the next thing I know, I have been awarded student loans. I didn't knowingly request the loans or authorize them. 
I immediately contacted the school and requested to have these loans stopped or sent back, but that did not happen. I was awarded a loan for {$6800.00}. That loan was sent to the school. Instead of sending the loan back to pay off the loan immediately, the school returned {$6700.00} to me. I paid the loan off on XX/XX/year> in the amount of {$6800.00} but I don't know where the missing {$72.00} went and the loan processor charged me {$13.00} after only a few days in interest. 
I asked the school and the loan processor : Where is the missing {$72.00}? 
How do I get reimbursed for the {$13.00} in interest? 
What is XXXX going to do to stop this practice of sending loans to students who don't ask for them?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN EQUIFAX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below :. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have sent over the needed documentation ( XXXX XXXX orders, XXXX  that shows we pay Louisiana taxes, member details that shows our Louisiana address as home of record, marriage license ). I have even sent over a letter outlining the entire law and highlighting points that make us eligible. On the phone the reps continuously inform us that we are qualified and they do not know why it is being denied but they are submitting it to their management to be approved immediately and not to worry about it. Then we hear nothing until we get a denial letter in the mail XXXX weeks later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Writing to formally dispute several inaccurate and unverifiable entries on my credit report, which directly violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ) and ( e ). This dispute is further amplified by the recent class action lawsuit filed against your company regarding improper credit reporting practices, highlighting the need for immediate and thorough investigation of my credit file within 5 business days as per the FCRA 's mandated timeframe for dispute investigations. Please provide me with written confirmation of the removal of these disputed items and any further steps you will take to ensure the accuracy of my credit report moving forward. Failure to comply with this request will leave me no choice but to pursue further legal action against your company, including potential class action claims based on the recent lawsuit. 
I would like to dispute the following from my credit report and have the items removed based on the following : 15 US Code 16812 ; 15 US Code 1681 ( a ) 4:15US Code 1681 ( b ) 2 ; US Code 1681 ( q ) ; and 18 US Code 1028A. The accounts listed should be removed from my credit report based on 15 U.S. Code 1681 ( b ) as well as any accounts listed under 15 U.S. Code 1602 ( p ) any accounts listed under each of the codes above must be removed within 5 business days from the date of this letter.

Per 15 U.S. Code 1681 ( e ) and 1681 ( i ). The following items are hereby in dispute which needs to be removed no later than 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 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 XXXX XXXX  Thank you in advance for your prompt attention to the above items. The reports to be corrected is the Transunion report, the experian report and the equifax report.

Company response to consumer: Closed with non-monetary relief