vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding an inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in the CFPBs recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are marked as 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

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I receive a credit report from Equifax they have it that my credit score is XXXX below what I can see on the apps. My credit score hasn't been updated and I can't use my credit because of what Equifax is reporting to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am a victim of a data breach and identity theft.

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 2025-01-28 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 XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Cash App Customer Support/Legal Department Subject : Request for Settlement Agreement Dear [ Cash App Support/To Whom It May Concern ], I am writing to address [ briefly explain the issue, e.g., " a dispute regarding an unauthorized transaction, '' or " a refund issue '' ]. After reviewing the situation and consulting the provided terms of service, I believe it is in both parties ' best interests to reach a settlement agreement to resolve this matter promptly.

The issue concerns [ details of the transaction : date, amount, transaction ID, etc. ]. I propose the following resolution State your proposal clearly, e.g., " A refund oXXXX XXXX XXXXXXXX I am committed to resolving this matter amicably and promptly. I kindly request a response within [ reasonable timeframe, e.g., " XXXX business days '' ] to avoid escalating this issue further. If additional documentation or clarification is required, please do not hesitate to contact me directly at XXXX XXXX Thank you for your time and attention. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX and XXXX of 2024 I was preparing to get a new home loan and wanted to close my HELOC with B of A. I went to my Branch in XXXX XXXX several times to get the payoff amount. The staff at my branch was unable to reach someone at the HELOC department, so I made XXXX large payments at the branch hoping to payoff the balance. Afterwards I received a request to pay an additional amount due. I then filed a complaint with the Consumer Financial Protection Bureau XXXX. Unfortunately, am writing again to explain that the HELOC payoff balance that I requested last XX/XX/year> was paid in full, but continues to erroneously show on my account as balance due. After filing a complaint with the Consumer Financial Protection Bureau, I received responses by XXXX XXXX XXXX at XXXX XXXX. She instructed me to make XXXX last payment of {$160.00} and this would have cleared the HELOC completely. However, B of A continues to generate a balance due. I feel cheated by whoever is in charge of this HELOC. I attempted to close the HELOC last XXXX as I was seeking a new home loan. Why this runaround and lack of professional etiquette by B of A? XXXX XXXX XXXX explicitly asked me after making XXXX large payments to XXXX  my HELOC balance ( a $ XXXX and a {$9.00} on XX/XX/year> ) to pay the last remaining balance of {$160.00}. Since then I observe that my account continues to show a remaining balance due. This is their mistake, it is unconscionable and amounts to grand theft.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
My statement is a billing error pursuant to : 12 CFR 1026.13 - Billing Error Resolution U.S. Bank has charged my account for several late fees and is in violation of 15 U.S. 1666 Code Credit Billing : Correction of billing errors 1666b Timing of payments - a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. This account has been marked as late and has history of late fees. 1666i-1 - Limits on interest rate, fee, and finance charge increases applicable to outstanding balance- in the case of any account under an open end consumer credit plan, no creditor may increase any APR, fee, or finance charge applicable to any outstanding balance. Remedy : I require that any and all late fees and interest accrued on any late fees be removed from my account within 7 days of receiving this notice. U.S.Bank refused to remove any and all late fees and is reporting negatively against my 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 non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Accounts and Request for Immediate Action Due to Equifax Data Breach Dear Equifax XXXX XXXX am writing to formally dispute the fraudulent activity on my credit file resulting from the Equifax data breach, which exposed sensitive personal information of XXXX, including mine. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX Account ( Account Number : XXXX ) XXXX. XXXX ( XXXX ) Account ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I demand that these accounts be investigated and removed immediately as they were not authorized by me. The breach of your systems in XXXX compromised my personal data, directly leading to these fraudulent activities. 
Additionally, I am requesting reimbursement for time spent resolving these issues and any out-of-pocket expenses as per the Equifax settlement terms. Enclosed are supporting documents detailing the fraudulent accounts and my efforts to address them. 
Failure to act promptly will leave me no choice but to escalate this matter legally under FCRA provisions and seek further damages. I expect written confirmation within 30 days regarding the resolution of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: SC

Complaint narrative:
I am filing this dispute to address the non-compliance of XXXX with the CFPB 's XXXX rule regarding the removal of medical debt. Despite notifying TransUnion via a phone call on XX/XX/XXXX of the recent CFPB rule, their customer service agent refused to remove the medical debt item from my credit report. which is not compliant with the current rule nor sufficient to resolve the issue. Requested supervisor was advised on will contact me in XXXX business days. 
The medical debt in question is as follows : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : First four digits for privacy : XXXX Amount Owed : {$1500.00} Date Reported : XX/XX/XXXX This refusal to remove the debt violates my rights under the CFPB 's updated rule. I have attached the documentation for both medical debts that should be removed, and I am requesting that the CFPB investigate this matter immediately. 
Please let me know if additional information is required to proceed. 
Enclosures : 1. Documentation of Medical Debt ( Attached Screenshot ) 2. Copy of Credit Report Indicating the Disputed Item

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Re : Debt Validation Request for Account XXXX, Dear Midland Credit Management, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on [ date you were contacted ] and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract. 2. Itemized breakdown of the debt amount, including any fees, interest, or other charges. 3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor. 4. Details of the original creditor, including their name and contact information. 5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I sent the company a proof of validation claim and asked them to validate the debt ask for the original contract with my wet signature act could they collect the debt in Ohio, asked for the chain of the debt and the original company that the debt came from and for payment history. Under the fair deck collection practice act specially 15 USC Section 1692G they are required to answer these questions and verified validate the debt. They refused to respond so the debt should be terminated and all contact shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 the violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I sent money {$1000.00} through Zelle and it was an accident, and it was never returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 measure to prevent and address fraud on this 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 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MN

Complaint narrative:
Was {$40.00}. It was a few months ago. Cash app doesn't save transactions that were accepted by someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am receiving repeated payment requests from a company https : //www.affirm.com I do not recognize and have never used their services. They claim I have two loans with them, but I have never signed any agreement, spoken to, or dealt with them in any way. When I called for clarification, they insisted I owe them money. I believe this is a case of spam or fraud and request an investigation into their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing this complaint regarding TransUnion 's failure to provide me access to my FULL COMPLETE credit report through XXXX and their own website, as required under federal law. Despite multiple attempts to access my report online, I have been blocked or otherwise prevented from obtaining it. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j ( a ), consumers are entitled to receive one free credit report annually from each of the XXXX major credit reporting agencies, including TransUnion. This right is further implemented through XXXX, which is designed to facilitate consumers access to their reports. 

XXXX roadblocking of access to my credit report directly violates its obligations under the FCRA to provide free and reasonable access to my credit information. This has caused undue inconvenience and denied me the ability to monitor and verify the accuracy of my 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 2025-01-28 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 am write to dispute several unauthorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiry that I don't recognize or authorize : Disputed Inquiry : XXXX  XXXX XXXX XX/XX/year>

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 2025-01-28 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: NJ

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: OH

Complaint narrative:
In XX/XX/XXXX, I received a letter from Credit International Corporation attempting to collect an alleged debt of {$36000.00} on behalf of XXXX XXXX XXXX. On XX/XX/XXXX, I formally disputed the debt by sending a XXXX XXXX XXXX via certified mail, requesting proof of the debts validity, my alleged personal liability, and documentation supporting their right to collect. The collections agency received and signed for my request on XX/XX/XXXX. 

Despite this, Credit International Corporation failed to provide any validation of the debt and continued collection efforts. On XX/XX/XXXX, they sent another letter increasing the alleged balance owed by {$360.00} without explanation or supporting documentation. 

Due to their failure to validate the debt, I sent a second letter via certified mail on XX/XX/XXXX, reiterating my request for validation and highlighting their violation of the Fair Debt Collection Practices Act ( FDCPA ). The collections agency received this letter on XX/XX/XXXX and failed to respond to this second request as well. 

On XX/XX/XXXX, I received an email from the agency threatening litigation and asset XXXX. This email was sent without validating the debt and contained vague and unsupported claims regarding my personal and business assets. These actions are not only misleading but also a direct violation of the FDCPA. 

Under the FDCPA, Credit International Corporation is required to stop all collection efforts until they have validated the debt. Their continued collection attempts, fee increases, and legal threats have caused significant emotional stress and financial hardship.

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