vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX/2025 wrote debt collector Spring Oaks Capital , LLC informing them that I refuse to pay alleged debt pursuant to XXXX5 USC 1692c ( c ). Complaint # XXXX. On XX/XX/XXXX25 Spring Oaks Capital , LLC violated my consumer rights under the FDCPA by not complying with 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). Spring Oaks Capital , LLC and its CEO, CFO and compliance department did not comply under what is require or their obligations pursuant to15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). SEE FEDERAL LAW BELOW 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. Spring Oaks Capital , LLC non compliance is a direct violation of FDCPA and shall be liable for operating in bad faith and unclean hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the agreement to show full ownership. Despite my efforts to resolve this directly with the creditor, it remains unresolved. I request immediate investigation and removal due to inaccuracies across all 3 bureaus, as it is incorrect and does not reflect my true credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found XXXX inquires that I do not recognize and I believe to be fraud. I filed a FTC report # XXXX which I believe are XXXX fraudulent inquires. XXXX XXXX/XXXX/25 XXXX XX/XX/year>25. I did not authorize these inquires but have been unsuccessful in having the inquires removed.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
OK, it looks like somewhere in 2022. 
There was a Capital One and a credit credit cards open in my name after I open app a bank account with XXXX. Some funds and stuff were drawn out of my account. Address the situation with XXXX. But I've never had any credit card ever. I mean, I'm in a credit card. I wouldn't think I'd awake to before. I made it to the age XXXX. To get a line of credit, I think I was going fine without a credit card but that's Around the time all of them suffered data breaches starting from XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have XXXX Amex gift cards : XXXX for {$200.00} and XXXX for {$50.00} each. I tried to pay my XXXX XXXX  using these cards, but none of the payments went through. When I checked the balance online, XXXX of the cards showed a declined transaction equal to the cards full balance, which I found unusual. 

I called Amex, and they explained that the payment was declined because XXXX requires a name and address to process the transaction, while my prepaid gift cards are anonymous. This surprised me since XXXX does accept Amex as a payment method. 

Whats even more puzzling is that XXXX sent XXXX small {$0.00} verification transaction holds to XXXX of the cards. Thus, XXXX of my {$50.00} cards now shows a balance of {$49.00} instead of {$50.00}. I was informed by Amexs representative that this hold will be removed on XX/XX/scrub>/2025, and Ill regain access to the full balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: TX

Complaint narrative:
I have been trying to cancel my subscription to the Albert app for the past six months. Despite my repeated efforts, the company has continued to charge me monthly without addressing my requests. 

I attempted to close my account through the app, which requires a XXXX balance in the app 's savings account. However, the app does not function correctly and prevents me from completing the process. Because of this issue, I contacted Albert 's support team multiple times to resolve the problem, but they have not responded to any of my inquiries. 

This situation has left me unable to cancel my account, stop the recurring charges, or withdraw the remaining balance due to their app 's malfunction. As a result, I feel trapped in an endless cycle of charges with no way to resolve the issue due to Albert 's unresponsiveness and faulty app functionality.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: VW Credit
State: NJ

Complaint narrative:
Subject : Request for Removal of Late Payments Due to COVID-19 Pandemic Under the CARES Act Dear Dispute Resolution Team, I am writing to formally request the removal or correction of late payments reported on my credit profile during the COVID-19 pandemic. These late payments are reported in violation of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. 
The specific accounts and late payments in question are as follows : XXXX. XXXX XXXX XXXX / XXXX - Late Payment in XX/XX/XXXX and XXXX Closed XXXX XXXX. XXXX XXXX  / XXXX Late Payment in XX/XX/XXXX, XX/XX/XXXX and Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX  / XXXX Late Payment in XX/XX/XXXX and XX/XX/XXXX The CARES Act, enacted on XX/XX/XXXX, includes provisions to protect consumers from negative credit reporting due to financial hardships caused by the pandemic. Specifically, Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to require that if an account was current and the consumer made an agreement with the lender regarding deferred or modified payments due to the pandemic, the account should be reported as current. 
During the pandemic, I reached out to my creditors and entered into agreements regarding payment deferrals and modifications. Therefore, the late payments reported during this period should not be reflected on my credit report. The continued reporting of these late payments indicates non-compliance with the CARES Act and the FCRA. 
I request that you : 1. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the CARES Act.

2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete.

Please consider this letter as formal notice that if these items are not removed from my credit report, I will be forced to take further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office.

I appreciate your prompt attention to this urgent matter and expect a response within 30 days of your receipt of this letter, as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX  XXXX XXXX XXXX, which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 u.s.c. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 u.s.c. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/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 non-monetary relief
Consumer complaint received 2025-01-25 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 process g 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 2025-01-25 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: TN

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB 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 2025-01-25 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: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
An XXXX account was previously removed due to Identity theft. It was then sold to a collection agency, and Experian reinserted the same account on my credit report which was already deemed to be identity theft and removed. I have called multiple times, disputed online multiple times, sent letters and they refuse to remove it again after reinserting it.

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 2025-01-25 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: GA

Complaint narrative:
I can never reach anyone at experian. The the number works but you can only talk to a reboot, that has very limited resources to assist with the issue. I downloaded the app and logged into my account. I discovered that there were multiple different addressed, name, numbers, and accounts that is have no knowledge of. I updated my address but the other ones are still saying current. When i go to file a dispute is tells me to call the number but i can reach anyone.

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint regarding inaccuracies on my credit report that continues to negatively impact my credit from Discover Bank. Despite my effort to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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. 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 2025-01-25 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: OR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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