vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Improper Debt Notification and Unfair Collection Practices Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an issue I am experiencing with a debt collection practice that I believe violates my rights as a consumer. 
Recently, I was served with a small claims court case in which the plaintiff is requesting over double the original amount of an alleged debt. Prior to this lawsuit, I had never received any formal notification of this debt, nor does it appear on any of my credit reports. The lack of transparency and failure to properly notify me of this debt has put me at an unfair disadvantage and raises concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

The following issues outline my concerns : 1. Failure to Provide Proper Notification I was never informed about this debt before the lawsuit was filed. Under federal law, I should have received a written notice detailing the amount owed, the creditors name, and my right to dispute the debt. 
2. Debt Not Listed on Credit Reports The debt does not appear on any of my credit reports, making it difficult for me to verify its legitimacy.

3. Excessive and Unjustified Amount Sought The amount requested in the lawsuit is more than double the original debt, which seems unreasonable and potentially unlawful. 
4. Unfair Collection Practices Filing a lawsuit without prior notice appears to be a deceptive and unfair collection practice, possibly violating my rights as a consumer.

I respectfully request that the CFPB investigate this matter to determine whether the collection agency or creditor has violated any consumer protection laws. I also ask that they be required to provide full documentation validating the debt and justifying the excessive amount being claimed in court. 
Please advise me on my rights and the appropriate next steps to resolve this matter. I appreciate your attention to this issue and look forward to your response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX five transactions were unauthorized on my cash app account with a total of {$2000.00}. One transaction was {$1000.00} another was {$500.00} another was XXXX and another was XXXX and another for {$200.00}. I reached out to cash app and they agreed three of the transactions totaling {$1700.00} was fraudulent. Another XXXX was denied because they said I violated terms and now won't give me an explanation. However I have not received my refund yet {$1700.00} due to the debit card being closed. I have addressed this issue to cash app and I keep getting the runaround. They said on XX/XX/XXXX it was refunded which I agree but it's not getting sent to the card or account because it was turned off. I have reached out to numerous people through cash app and no one seems to want to help me. They say the refund was issued on XX/XX/XXXX and take up to five business days. It's been well over five business days and almost a month and I keep asking them to redirect the refund to a different card and they keep saying they can't do that. So now I'm at a loss because I can't get help from cash app and I'm not getting help from my bank because they're saying they never received it so now I'm coming here for help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continues to all XXXX XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. Instead of delaying payments as discussed. They are also reporting a past due amount as well which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.

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 2025-02-01 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial 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 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
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX pacific , Navy Federal Credit Union froze my checking account and all ability to withdraw or transfer funds. The collections department froze my account at close of business on Friday knowing that they are not staffed on the weekend or after hours and I would be unable to contact them or resolve until Monday. This left me stranded, without funds for fuel or food, while away from home with my XXXX children. Calls to the 24/7 NFCU line were unsuccessful and they refused to tell me why my account was frozen and simply said I had to wait until Monday. 

I have over XXXX in my check account which primarily comes from VA XXXX payments, as I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran. These funds federally protected from freezes etc. 

On XX/XX/XXXX I went in person to the XXXX XXXX California NFCU Branch, hoping to withdraw my federally protected funds in order to feed my children and pay bills until I could contact their collections department on Monday. They were unable to help me but did in fact corroborate and confirm the fact that the XXXX payments are protected from freezes and was in fact a violation of law and my rights but were unable to help at this time. 

This has led to horrible embarrassment, defamation, and severe financial hardships on myself as a single father of XXXX who is XXXX XXXX XXXXXXXX. All my funds and direct deposits are in this account and now I am unable to feed my children, pay rent, and now multiple accounts and bills are delinquent. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 filing a complaint against Cashapp ( 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 Funds 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 2025-02-01 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'm filing a complaint against cash app due to unfair practices and not being able to reach a customer service agent when needed. I've had to make several cash app due to the constant fraud from scammers which violates the Consumer Financial Protection Act. Cash app fails to address fraud on their platform leaving my account at risk and unprotected. Cash app does adhere to the Electronic Fund Transfer Act and Regulation E. Again, these actions have caused significant financial loss, scamming and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

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. 
Account name ; XXXX XXXX XXXX Account number ; XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and incorrect.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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. 
15 U.S.C. 1681B ( 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 incorrect

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 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I usually get a deposit every Thursday or Friday, On Friday, I went to use my banking debit card and it wouldnt work, I went online and everything seemed fine but after calling them, they said everything looked fine but the note from the acct it was due to close XXXX. I was completely confused and thought of it as a mistake but consumer services said they couldnt see any reasons why but it was closing. They also told me that I would have to go see a personal banker at a branch to find out why. So I canceled my workload for the day to see to to branch and see what happened. When I went to the branch, they told me the exact same thing that consumer services did and had no information on why. I asked to pull all my money out at that time and was told I couldnt, but a check would be mailed to me in 5-7 days. I asked about my XXXX deposit from the comp. controller that I receive as my payment for the business and they informed me that it was sent back. I still have no idea WHY my acct was closed and have no access to any my funds this weekend, which is extremely unfair and this whole situation is beyond frustrating. I am now going have three weeks of not getting paid for my employees, thru Tx comp controller. I have direct deposit and now face having to change all of that and open a new business acct, when I have No idea why they shut mine down. Ive paid thousands in Ovedrafts and stayed with them after my acct was compromised at least three times, that I know about. Then they cant even give me a notice and explain why, that they are turning my world upside down by just closing my acct. its not fair and I feel as though, its really not fair. I contract thru the state to provide services to XXXX individuals, I know I would NEVER do this to someone who worked for me. And if I had to, I would sure make sure they were at least offered a explanation, at least a month notice to make other arrangements, and lastly, made there money available for them when I went to the branch. I will NEVER forget about this and the report that I will share about Regions will not be respectable. I am still not use what is happening and still havent been told why my account was closed. I am also not allowed to use my online and Im going need the last two years financial statements for my taxes, so please let me know how I can at least get that from 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 explanation
Consumer complaint received 2025-02-01 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: WA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I was solicited and enticed by Capital One to apply for the Spark 2 % Cash Plus card which advertized a " {$2000.00} reward bonus when you spend {$30000.00} in the first 3 months. ". I applied, was approved, and began using the card on XX/XX/XXXX. Between XX/XX/XXXX - XX/XX/XXXX I spent over {$60000.00}. No bonus reward was ever paid. Capital One does not provide an email contact, so on or about XX/XX/XXXX I called customer service and was told there was a " long delay '' in reward inquiries. The representative could not provide any information but that the reward payout would be reviewed. I never received any email or other response to my inquiry. Capital One does not provide any information on their website or app or any way to inquire about reward issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer services 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a copy of my credit report I am writing to express my concern regarding Experian 's denial to follow up on my investigation. Recently, I was informed that the CFPB has filed a lawsuit against Experian, alleging that the company accepts unreliable information and fails to notify consumers of dispute results. This aligns with my experience, as Experian has not attempted to remove or correct the derogatory remark on my report. I request that this information be removed or corrected immediately, as it is affecting my ability to obtain a house, car, etc. Experian 's actions violate my rights as a consumer and federal laws.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/year> my report shows this account # XXXX owing {$940.00} that has not been verified that it is my account. According to According to the FTC, the relevant code regarding charge-offs on credit reports is Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), which specifies that creditors must provide the date of delinquency when reporting a charge-off account on a consumer 's credit report.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/year> my report shows this account # XXXX owing {$940.00} that has not been verified that it is my account. According to According to the FTC, the relevant code regarding charge-offs on credit reports is Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), which specifies that creditors must provide the date of delinquency when reporting a charge-off account on a consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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 non-monetary relief