vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
I noticed on my credit report an account with NCA as the original creditor for {$400.00}. I wrote them a letter to address XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX back in XXXX asking for proof of where this debt came from. I then again sent another letter in XXXX requesting the same and still no correspondence from the company. I would like this to be removed off my credit report. Its unfair that people can put anything on your credit report and we have to fight to prove any inaccuracies. I am going to seek legal action if this is not removed. It reflects poorly on my credit file and is affecting my ability to obtain housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> i was suppose to recieve my direct deposit, however i didnt i was charge for late fees and had so many bills to be paid. Capital One was down and did not send out any emails or updates regarding this issue. I had to call Capital one and wait XXXX for them to pick up just to tell me they having technical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
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 ( 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
Consumer complaint received 2025-01-21 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX i was at work and my phone died. at XXXX my phone was back on and i saw that my Cash App account had a transfer of {$200.00} to bitcoin and then sent to a very long wallet address. i filed complaints and tried to dispute it but cash app told me i made the transaction when thats impossible because my phone was dead. they refused to help me and then banned my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
On XX/XX/year>, I called Capital One and asked to close my Capital One ( VISA ) credit card account ( ending in # XXXX ). I was told that I had 90 days to claim any rewards balance due me. The very next day, XX/XX/year>, I called Capital One back and requested that the rewards balance refund due me of {$87.00} be sent to my address. Only then, at this time, was I informed that I could only get a credit on my credit card. I was never told this earlier or while I was closing my credit card and afterwards it was too late. Catch XXXX! My request for a refund check was denied. I believe I was defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Cunsomer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timley and effective messaures 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have causes significant inconvenience and financial loss and I seek appropriate readiness for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: Block, Inc.
State: TX

Complaint narrative:
I had my account closed with no reason why and I couldnt get ahold of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Yes, I have tried to get my credit unfrozen for about a month now. I have called multiple times and Experian is EXTREMELY unhelpful. I have uploaded all the documents they told me to have my membership unfrozen without any resolution. I waited numerous business days and when I call back for an update, they tell me to go through a new process that will take 1-2 weeks to process ( By Mail ). Now I am unable to get approved for a place to live as I can not get approved since this agency has frozen my account. This has caused my entire family so much stress, This is completely unacceptable customer service.

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 2025-01-21 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: TX

Complaint narrative:
I am writing 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 reversing 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 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 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
XX/XX/XXXX Went to car lot customer service asked for a paperwork for car going to auction Guy told me to call XXXX Spoke to XXXX on the number Advise to get a copy of the paperwork that the car went to auctions She transferred me. 
( Waiting on hold ) ( caller number1 ) XXXX She said she wasnt sure on why i got transferred to Asked for my name and number then hung up the phone Called back at XXXX Started the hold process all over Got XXXX again explain to her she need to ask someone who i can get the paperwork from. She said she wasnt transferring me just gone put me on hold, then someone named XX/XX/XXXX, XXXX AM XXXX sent possession letter and verified my email and he is putting in a request for the other of the letter copy it takes a few days Said its Can you know what holiday he nasher? How long it takes to get there? But once he get there, he will call me and he'll forward it to my email. 
Received XX/XX/XXXX, XXXX AM I called and Spoke to XXXX XXXX again XX/XX/XXXX He forwarded a letter of possession I emailed again an asked for the defenincy letter he said I couldn't get a that letter they sent me a XXXX as if they sent me XXXX and they filed it as a tax return write off with their company I told him I hadn't seen any other this paperwork he said he hadn't doubted tht I had and that what he sent me was all I can receive and tht I still owe the debt

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 2025-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hard Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 
Collections : XXXX XXXX XXXX- {$200.00} ( XX/XX/XXXX ), XXXX XXXX XXXX - {$620.00} ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX - {$940.00}, and XXXX XXXX XXXX - {$2900.00} ( XX/XX/XXXX ). 

Contacted Experian and the companies to have the information removed. It still has not been removed and additional items have been added since my last communication with Experian and the companies.

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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NY

Complaint narrative:
I've been contacted by phone by GB Collects multiple times. They're located in XXXX, NJ, phone number XXXX. The person who called today is named XXXX at extension XXXX. They're calling on behalf of XXXX XXXX XXXX. XXXX provides a contracted pest control service where they come to your home on a regular basis for pest control services, and also come on demand when called. I had a monthly plan with them, but they did not live up to the expectations or rid my home of the relevant pests ( stink bugs ), even after specifically telling me they can do it. They also didn't show up at first when called for a bee issue, even after I told them there are bees in my bedroom and bathroom. When they finally sent someone, they couldn't resolve the issue and tried to blame me for it, even though I had sealed the windows as suggested. I had to call another pest control company, and they were able to resolve the issue on the same day I called them. Since XXXX did not provide the expected services, I cancelled their service and disputed the charges with them through my credit card company, XXXX cards. I told XXXX I would be doing this. I received confirmation from XXXX cards that I won the dispute and no longer owed the charges to XXXX, and it was permanently credited to my credit card. Even though I won the dispute, XXXX still submitted my account for collections. I explained to the collection company multiple times that I won the dispute through my credit card company and I don't owe XXXX any money. The collection company doesn't understand the basic concept of credit card disputes and keep insisting that since the credit card company credited me for the charges, I now owe the same charges to XXXX since it's no longer paid. They refuse to understand that since I won the dispute and was credited for the charges, I no longer owe XXXX the charges. The collection company continues to call me on a regular basis and there does not seem to be any way to resolve this with them because they don't understand how credit card disputes work. Please follow up with them and help them understand that since I won the dispute, I no longer owe the money. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX 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 2025-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was alerted by My Credit Guide XXXX XXXX XXXX ) and ID Shield services that there were fraudulent inquiries on my Credit Account Report with XXXX, XXXX and XXXX. These occurred on XX/XX/XXXX ( XXXX XXXX XXXX and Bank of America ), XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) and XX/XX/XXXXXXXX XXXX XXXX  ). 

I did not request or inquire about any bank loans or credit from these financial institutions. I notified all XXXX Credit bureaus of these fraudulent activities and placed a freeze on my accounts. In addition, I was informed by Bank of America 's fraud department that the recent inquiry ( XX/XX/XXXX ) to their institution was performed by a healthcare company I previously worked for and left in XX/XX/XXXX. I have not had any communication or worked for this company since leaving. They also shared that a previous account listed showed me as one of the borrowers which I was not aware of. 

In summary, these activities are clearly fraudulent and consistent with 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 non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
i did not make these transactions this is fraud please remove its affecting my credit score and i recently notice these charges and address its not mine on file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Have placed numerous calls with issues logging into account and unable to make monthly payments by phone, 1 payment in the past was made by phone and now it is not accepting my payment information with no reason included. No representative is available to make payments and waiting times are infinite, even when you call on the days they recommend you call which are XXXX XXXX and XXXX XXXX  still no guarantee anyone will answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NV

Complaint narrative:
I am victim of identity theft and the XXXX XXXX breach and I have proof from XXXX, a police report, and FTC report. Kindly block and delete the accounts below within 4 days as required by FCRA 605B, 15 USC 1681c-2. Experian and XXXX have FAILED to do anything. 

XXXX XXXX account number XXXX XXXX XXXX XXXX  -account number XXXX I am willing to file a lawsuit if needed but wanted to have you intervene first.

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 2025-01-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I pulled my credit report and seen some fraudulent hard inquiries on them, and I need them removed immediately.

Company response to consumer: Closed with explanation