vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I opened an AMEX Business Gold credit card in XXXX of XXXX for my new business and specifically called ahead of time to ask how strict the XXXX  day spend window was in order to qualify for the XXXX sign on bonus. The woman I spoke to on the phone told me they usually gave you a XXXX window by a few days to meet the XXXX spending requirement and get your bonus offer. I knew I would need flexible days to meet that requirement. I also asked the same question of a representative on the AMEX chat service who told me I had a flexible window of XXXX days. I took a screenshot and will include it. My bonus never arrived. I called customer service and asked why. They told me I did not complete the spend within the window required. They denied any flexibility. I told them about the phone calls and gave them exact date and time of those phone calls with their female representative who promised me otherwise. They said they would investigate. I called XXXX days later or so and they said the investigation was closed and I would not receive my sign on bonus. I asked to open another investigation or see the transcript of our phone call to prove I had been promised flexibility. They refused. They opened a second investigation and yet again I was found not deserving of my welcome bonus. I am frustrated and at a loss for what to do. There is no transparency in their investigation and I have evidence that they promised me flexibility and are now denying me my welcome bonus of XXXX points. I have no evidence of the transcripts from my phone calls but I do have a screenshot from their customer service chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Dear Sir or Madam : I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : Your XXXX XXXX & XXXX XXXX XXXX According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. XXXX  {$1600.00} et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up. 
Under the terms of the Section 168 li of the Act, you have XXXX days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. 
Also, pursuant to 15 U.S.C. Section 1681d of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification. 
Sincerely. 
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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filling 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 in 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 electronic fund transfer act ( EFTA ) and regulations 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 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against CAPITAL ONE for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : CAPITAL ONE Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Debt Information : Debt Amount : {$0.00} Original Creditor : CAPITAL ONE Account Number XXXX My Request for Debt Validation : I sent a debt validation request to CAPITAL ONE, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that CAPITAL ONE has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with CAPITAL ONE, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that CAPITAL ONE complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I am submitting this statement as a victim of a data breach that has resulted in the fraudulent use of my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts and records created or reported in connection with this fraudulent activity be blocked and permanently deleted by the credit reporting agencies.

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 2025-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am seeking help getting NewRez to remove a false derogatory mark on my credit report. 

On XX/XX/year> my credit monitoring service notified me of a derogatory mark on my credit report from NewRez, the servicer of my mortgage. I called NewRez immediately and the phone agent advised there was an error in debiting at the beginning of XX/XX/year>. She found that debiting continued successfully in their automated system for XXXX, XXXX and XXXX, but somehow Newrezs system did not properly apply any payments to XXXX. She acknowledged this was odd and went ahead with debiting in the system manually. However, she said she was unable to correct the credit report since that system is automated and they aren't allowed to make corrections. 

NewRez never notified me about their debit error in XX/XX/year>. They never sent an email, never called, and never sent anything in the mail. I only found out because I pay for credit monitoring. This meant I had no way to know there was a problem until it was on my credit report. If I had been notified by NewRez, I would have submitted payment immediately. Plus they continued to debit so they could have corrected their error. 

After debiting for XX/XX/year>, the NewRez phone agent advised me to send a letter ( which I sent same day and is attached ) via the NewRez website requesting the credit report correction. She assured me I would receive a reply within 3-5 days. I also sent the letter via USPS as they advise on their website. It has now been 44 days and no reply. 

This has taken XXXX points off of my credit score and NewRez has not done anything to fix their error. I have never had a missed payment before and I am very frustrated that NewRez have done nothing to correct their error.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against cash app ( Block Inc ) due to unfair costumer service and practices ; which violates the Costomer financial protection act ( CFPA ). In more details, Cash app failed to to take timely and effective measures to prevent and address the fraud on the platform ; this left me account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive because they did not comply under the requirements of the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I am looking for appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
XXXX 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 2025-01-19 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 FAILEDTO 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 2025-01-19 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: IL

Complaint narrative:
I just made a complaint on XX/XX/2025 and the companies response is they still working on it. This is ridiculous. It's been up to a year and they have not really worked on or solved anything. I really need real results from them instead of having to make multiple complaints because they are not truthful and honest and not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
Equifax has failed to properly investigate disputes regarding inaccuracies on my credit report. These inaccuracies include accounts I have no knowledge of, complete misspellings of my name, incorrect physical addresses, and invalid phone numbers, all of which strongly indicate that my identity has been compromised. 

The following accounts must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request that any spelling of my name other than XXXX XXXX or XXXX XXXX XXXX be removed to ensure no fraudulent accounts can be added or used again. 

Please also remove all addresses other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, as all other addresses are invalid. 

Furthermore, remove all phone numbers other than XXXX, as they are incorrect and do not belong to me. 

I have consistently reached out to Equifax, providing proof and requesting validation of all disputed accounts. However, Equifax continues to respond within 2448 hours, claiming the accounts are accurate without providing any evidence of a thorough investigation. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. 

Equifaxs lack of effort also potentially violates the Consumer Financial Protection Act by failing to ensure accurate credit reporting and protect consumers. I request immediate action to ensure Equifax complies with federal law, conducts proper investigations, and provides proof of these investigations to consumers. These ongoing failures are unacceptable and must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I had inquired about a listing on XXXX  for a rental home in XXXX  for when I was currently working over there. The person had gone back and forth with me about the property and payments. The down-payment was XXXX dollars, which they claimed they received. Than they request first month payment on top of that of amount of XXXX dolllars. They told me to send it to a different zell email through my banking app XXXX. They claim the XXXX went through on zell through my XXXX  XXXX  app, but not the XXXX, even though my zell activity says they got it. Than they requested that I send payment again. I said no and we went back and forth on messages. I felt they had scammed me, and when I asked for my deposit back, they claimed they sent it back and I never got it, or the XXXX. I filed claims with XXXX  and zell, and they did nothing and told me there is nothing they can do for me. 

My number is XXXX Email is XXXX I am registered on zelle through my XXXX  banking app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NC

Complaint narrative:
After reviewing my credit report I've noticed several inaccuracies on my account. Which are hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking to be verified as accurate : XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. 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 2025-01-19 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

1. Account name : XXXX XXXX  Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX Account number : # XXXX 3. Account name : XXXX Account number : # XXXX Transunion credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file. 

I was informed by this credit reporting agency that the Account name : XXXX XXXX  : Account number : # XXXX was DELEDED from my file. 

Transunion lied to me and the CFPB since the account : XXXX XXXX  : Account number : # XXXX above still show on my credit report. 

I filed a complaint with the CFPB. Complaint # XXXX in which the company responded the account above was deleted from my credit file I filed a complaint with the CFPB. Complaint # XXXX Transunion trickery continues furnacing disputed and previously deleted information from my credit file. 
I have summited to Transunion credit report agency theft reports several times : FTC REPORT # XXXX FTC REPORT # XXXX I request Transunion supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692XXXX - Civil liability and send the required notifications to all Furnishers of this 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 non-monetary relief
Consumer complaint received 2025-01-19 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT ACT ACCOUNT NUMBER : XXXX HAS VIOLATED MY RIGHTS 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 CUSTOMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

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 2025-01-19 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT ACT ACCOUNT NUMBER : XXXX HAS VIOLATED MY RIGHTS 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 CUSTOMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 filling 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 2025-01-19 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 compliant 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 adress 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 under the 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