vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX sent out disputes for verification of debt. They were unable to verify information I requested 4x including The Amount of the Alleged Debt : Please provide a full accounting of the amount you claim I owe, including the original principal amount, any interest accrued, fees, and any other charges added to the debt. Original Creditor Information : Please provide the name and address of the original creditor, as well as any account numbers or reference numbers that they may have assigned to the debt. Evidence of the Debt : Provide a copy of the original signed contract, agreement, or any documentation showing that I am legally obligated to repay the debt. This should include a full breakdown of terms such as interest rates, fees, payment schedule, and the date the debt was incurred. Account History : A detailed history of the debt, showing all payments made to date, any credits applied, and how the balance has increased ( if applicable ). Please also indicate whether any part of the debt has been written off or discharged. Proof of Assignment or Ownership of the Debt : If you are not the original creditor, please provide the documentation that shows you are authorized to collect on this debt. This may include a copy of the assignment agreement, purchase agreement, or a detailed explanation of the transfer of ownership from the original creditor to your company. Information Regarding Any Legal Action : If there has been any legal action taken in relation to this debt ( e.g., a judgment or lawsuit ), please provide copies of the court documents, including any judgments entered in this matter. Validation of Interest and Fees : If the debt includes interest, late fees, or other charges, please explain how these amounts were calculated and provide a breakdown of each charge, including the dates they were added to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
Freedom mortgage has taken over as servicer of a mortgage according to them in XXXX of 2024. We never received any information. Ive requested copies of what they sent and have not received said copies. 

We continued making payments to old mortgage servicer. I received my first notice in email to change my password from XXXX XXXX on XX/XX/year>. I ignored it as I had no other correspondence from XXXX mortgage and determined it was spam. On XX/XX/XXXX I received a notice from XXXX XXXX via email that a letter regarding my loan was available, again, I had no knowledge or notification that my load was ever transferred. We continued making payments to the old mortgage servicing company. On XX/XX/XXXX, we received a notification that a mark had been out against my wifes credit. We also noticed at that point that the XXXX payment only was returned to our bank from the old mortgage servicer. We called them, learned what happened and made payment in full same day. I also contacted XXXX XXXX to try and learn more about how we were notified. All they could tell me is that we had been notified. Ive provided bank statements to show this was an error and that payments were made. Theyve determined the the report to our credit must stand. This is wrong and to this day, they will not confirm when or how I would have received a notification for something as important as needing to send our payments to an entirely new servicer. 

Thank you for your consideration, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MO

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. These inaccuracies persist despite my prior attempts to address them. I am concerned that your dispute-handling process, as detailed in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), may be contributing to this issue.

The following account ( s ) contain inaccurate information : [ Creditor Name ] - [ Account Number or Partial Number ] Issue : [ Describe the specific inaccuracy, e.g., " Account shows as delinquent, but was paid in full on [ date ]. '' ] Correction Requested : [ Explain what needs to be corrected, e.g., " Please update the account status to reflect 'Paid in Full. ' '' ] [ Add additional accounts or issues as needed. ] I have attached supporting documentation to substantiate my claims, including [ list the attached documents, e.g., " payment receipts, correspondence with the creditor, or court documents '' ]. 

The CFPB lawsuit against Experian highlights several systemic issues, including : Failure to conduct reasonable reinvestigations of consumer disputes ( FCRA, 15 U.S.C. 1681i ).

Inadequate communication of disputes to data furnishers, including failure to provide all relevant documentation.

Improper reliance on data furnishers ' automated responses, even when evidence suggests inaccuracies.

Given these concerns, I respectfully request that Experian : Conduct a thorough and reasonable reinvestigation of the disputed information, ensuring that all relevant evidence is reviewed.

Correct or delete the inaccurate information from my credit report.

Provide a detailed written explanation of the results of your reinvestigation, including what changes, if any, were made to my credit report.

I expect to receive a response within the 30-day timeframe outlined by the FCRA. If Experian fails to comply with these obligations, I am prepared to escalate my concerns to regulatory authorities, including the CFPB. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue and improving 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Buckle credit card company using g preditorial tactics to tarnish credit. Had a balance, went to store directly paid everything in full. Charges were later added on as " intrest '' even though full balance was completely paid. Said " intrest charges '' kept taking on adding intrest. Was not notified had balance as i directly paid in full at store. I called commodity bank they have out of country phone support was no help. I went to store paid again in full money I was robbed. And then closed my account. I then called again to the XXXX XXXX and spoke with someone who told me they would credit my XXXX payment as it was not suppose to be billed. I declined because I told them I already paid and to make sure they closed my account. They offered to credit my account because they knew they messed up. I closed my account and told them to take the info off my report, they agreed and stated it would take up to XXXX hours to update and remove from my credit report. I kept checking it was still on there so I made a dispute. They declined if you check records they stole from me XXXX I fraudulently taken for after I had already paid in full. Then never notified I had further charges until I seen on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Got the car 1 month before Covid laid off the next month couldnt afford payments because of a natural disaster

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 2025-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: ID

Complaint narrative:
I am writing to formally dispute inaccurate and duplicate information on my credit report. The accounts in question are : 1. XXXX XXXX : XXXX XXXX XXXX ( Account XXXX ) 2. XXXX XXXX : XXXX XXXX XXXX ( Account XXXX ) Both entries reflect the same debt associated with a repossession of a vehicle. According to my understanding, when a debt is sold or transferred to a collection agency, the original creditor should no longer report an active balance. However, both accounts currently show balances due, which appears to be double reporting for the same debt. 
I request that you investigate and correct this error by removing or updating the duplicate entry. Enclosed, I have provided the following : Copies of both account details from my credit report. 
Any additional relevant documentation. 
Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX tried to dispute it on XXXX, but they did not change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MO

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX '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 2025-01-23 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: MO

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I am writing to formally address a concern regarding services I contracted from XXXX XXXX XXXX, a credit repair company I engaged to assist with improving my credit report. Unfortunately, I have found that the services promised were either not provided or were grossly inadequate, despite my payment for their assistance. 

I trusted XXXX XXXX XXXX to take specific actions to address issues on my credit report, but I have not seen any meaningful progress or results that justify the fees I was charged. Furthermore, their customer service team 's attempts to seek clarity or resolution have not resolved the matter. 

Given this situation, I request your assistance in removing any disputes or actions initiated by XXXX XXXX XXXX from my credit report, as I no longer wish for their involvement. Additionally, I would appreciate guidance on what steps to take to protect my credit further and ensure accurate reporting moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I would like all my overdraft fees to be reimbursed over the last 24 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App, dba Block inc. Due to inadequate customer service and unfair practices, which violate the consumer financial protection act, specifically, cash app failed to take timely and effective measures to prevent and address fraud on their bill 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 called significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
XXXX XXXX Navy Federal charges NSF fees and I was charged Multiple NSF fees and would like to be a part of the class action lawsuit. I have had several conversations with NFCU when I was charged these fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 the 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 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 inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my Chase Freedom Unlimited card, I received a promotional offer that Chase would match the cash back earned on purchases at the end of the first year. However, Chase did not do so ; instead, they matched the cash back from my first 12 statement periods ( XX/XX/XXXX to XX/XX/XXXX ) rather than the first year ( XX/XX/XXXX to XX/XX/XXXX ). 

I should've received XXXX more points from Chase because of this discrepancy. 

I have tried to resolve this with Chase, and in my communications with them you can see that : 1 ) Chase agrees that the terms of the offer was that Chase will automatically match all the cash back earned on purchases at the end of the first year. 
2 ) Chase is not disputing the fact that I earned XXXX points on purchases in the first year. 
3 ) Chase is not matching the full XXXX points earned in the first year. 

So I am filing this complaint with the CFPB in order to receive the missing XXXX points. 

I have attached communications with Chase that outline the promotional offer ( Chase Secure Messages XXXX XXXX ) and their unwillingness to fulfill the terms of that promotional offer ( Chase Secure Messages XXXX XXXX ). 

I have also produced all of the credit card statements I've ever received from this account, in case anyone wants to double check the number of points I should've received. 

You can see in the last statement from XX/XX/XXXX ( XXXX ) that I received XXXX points as part of the promotional offer. I earned XXXX points in the first 12 statement periods from XX/XX/XXXX to XX/XX/XXXX. 

However, I earned XXXX additional points from XX/XX/XXXX to XX/XX/XXXX in the statement from XX/XX/XXXX ( XXXX ) and all purchases in that statement were made by XX/XX/XXXX. 

So I should've received an additional XXXX points as part of the promotional offer since the first year of my account was XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am wanting to file a complaint against Navy Federal regarding multiple overdraft charges. I have incurred. Despite have a sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits This aligns with the recent CFPB findings against Navy Federal for similar practices, were a transaction 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 2025-01-23 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: TN

Complaint narrative:
I am filing a complaint against XXXX for falling to propery investigate miy 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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( 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. these are the inaccurate accounts : 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I received a letter from a collection agency stating I owed a XXXX debt I called the company asking what it was for I was told for property damages. The company didn't take me to court it was no damages done. They trying to charge me for them painting and putting hardwood floor down. I'm waiting for the debt collector to send me the document I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
If a consumer notifies a debt collection that the consumer refuses to pay debt the debt collector must cease all communications.

Company response to consumer: Closed with explanation