vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
Every day since XXXX. They've been calling me, my job and my relatives spreading all of my business. Told me they were gon na find me but has not ever made contact with me. At this point it's just mind games and I want them to stop harassing everyone I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I am writing to file a formal complaint against Toyota Motor Credit Corporation ( TMCC ) as the assignee in my auto financing transaction for engaging in unfair and deceptive practices in violation of the Uniform Commercial Code ( UCC ), Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I visited XXXX XXXX and submitted a special qualified endorsed credit application to XXXX XXXX XXXX, the Financial Director, and XXXX XXXX XXXX, his assistant, to complete a consumer credit sale for a XXXX XXXX XXXX. The credit application included a special endorsement clause that complied with federal and state UCC, UDAAP, ECOA, and FCRA regulations.

Upon submission, the credit application was assigned and sold to Lexus Financial Services, a part of TMCC, as stated in the FCRA clause within the application. Following this, I experienced the following unfair and deceptive practices : On XX/XX/XXXX, I received a voicemail from XXXX XXXX XXXX, stating that XXXX XXXX XXXX had contacted Lexus Financial Services and was told that they required 50 % of the vehicle 's purchase price to complete the transaction. 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX again, who informed me that the deal would not be completed and that both the dealership and the assignee, Lexus Financial Services, would not honor my special endorsement or perform in any capacity within this transaction.

These actions constitute a clear violation of the UCC, UDAAP, ECOA, and FCRA, as they involve unreasonable demands and a failure to honor the terms of the credit application. Additionally, I would like to draw your attention to a previous enforcement action by the CFPB, in which Toyota Motor Credit Corporation was ordered to pay {$60.00} XXXX for illegal lending and credit reporting misconduct ( CFPB Orders Toyota Motor Credit to Pay {$60.00} XXXX for Illegal Lending and Credit Reporting Misconduct ). This case demonstrates a pattern of unfair and deceptive practices by TMCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Didnt get my paycheck. Still waiting on it. Moved to a new apartment, and might already get kicked out because I cant pay rent, bills, buy food, buy dog food, or anything, because capital one will not give me my money. Called to redirect my deposit and close my account and was told they cant do that at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: FL

Complaint narrative:
Please Delete all the inaacurate information listed on the letters i will attach

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to report a fraudulent job opportunity I encountered online. I was contacted via text regarding a remote position, which led me to sign up on a platform they provided. The job involved completing optimization tasks for XXXX XXXX, with earnings deposited into an account on their platform.

Initially, I was able to withdraw some earnings, but as I progressed, I was required to cover negative balances by depositing more funds. I was instructed to use a cryptocurrency wallet for these transactions. Eventually, I was asked to pay substantial fees to unfreeze my account and process withdrawals when I don't complete the task or request on time. Despite paying over {$41000.00}, I was told to pay additional fees, and to this day, I have not been able to recover my funds.

The platform claimed legitimacy, but two months later I suspect it is a scam. The website they provided is XXXX XXXX XXXX 

I

am sharing this information to alert others and request your assistance in investigating this matter. Thank you for your time and attention. Please feel free to contact me if additional details are needed.

I contacted my banks, Wells Fargo and XXXX, XXXX and XXXX XXXX to request a refund for funds lost due to fraudulent wire transfers. Unfortunately, both banks denied my claims. I have reported to FTC and IRS. 

Well Fargo - Wire transfer - {$140.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - $ XXXX XX/XX/year> Wells Fargo XXXX Wire transfer - {$2000.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$2000.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$1800.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$980.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$5000.00} - XX/XX/year> Wells Fargo - Wire transfer - {$2800.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$12000.00} - XX/XX/year> Wells Fargo XXXX Wire transfer - {$4900.00} - XX/XX/year> Wells Fargo XXXX Wire Transfer XXXX {$1100.00} - XX/XX/year> Wells Fargo XXXX Wire Transfer XXXX {$6500.00} - XX/XX/year> XXXX  - Wire transfer - {$6500.00} 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital one has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, ad I request your assistance in investigating this matter to ensure my rights are upheld. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

ADMINISTRATION SERVICE XX/XX/XXXX ADMINISTRATION SERVICE XX/XX/XXXX ADMINISTRATION SERVICE XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 cash 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 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 Electric Fund Transfer Act, ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
THERE IS A FRUAD ACCOUNT ON MY CREDIT REPAIR I NEED TO GET OFF MY CREDIT. I HAVE SEND PROOF OF EVERYTHING TO CREDIT AGENCY.

IS A VIOLATION UNDER THE FCRA SECTION 1681I AND SECTION 609.

JUST NEED FRUAD ACCOUNT DELETED.

NOTHING MORE.

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
There has been a delay in a direct deposit to my checking account. At the time of this complaint, they delay has been going on XXXX XXXX. Apparently this has happened to multiple customers/depositors with capital one. 

Capital One 's response, as posted on " X '', states that They are " ..experiencing a technical issue with a third-party vendor that is temporarily impacting some account services, deposits and payment processing.. '' Queries by depositors of a time table are met with a generic response leading us to speculate that there may have been a data breach and that the " technical issue '' may be more serious than they are conveying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I requested a Purchase Agreement from Halsted Financial Services. XXXX XXXX claims this is their account as well. I am unsure who this company is. I have never had an agreement or account with Halsted Financial Services!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: MS

Complaint narrative:
I disputed and sent proof to have XXXX XXXX Bank delete the false debt that they reported to Experian. They deleted it twice. They then sold it to XXXX XXXX. Experian has been reporting the debt from XXXX XXXX after I have disputed this account and showed receipt of payment. I would like for XXXX XXXX Bank, XXXX FUNDING, and Experian to please delete this information out of their systems. I have shown proof and they continue to report the investigations in the companies favor. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe 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 explanation
Consumer complaint received 2025-01-17 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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred.Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Credit, Reporting Act ( XXXX ) ( XXXX XXXX XXXX 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 XXXX XXXX to XXXX iS, accepting Llifiabn* 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 XXXX. I am XXXX XXXX XXXX corrective action to remove or amend the disputed accounts, as Experian 's XXXX 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 Finacial 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 2025-01-17 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX XXXX 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following accounts are for the XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and 1 request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Cinsumer 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 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from Caine & Weiner Company in regards to a collection account in the amount of {$340.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App identity you and your account.

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

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 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 2025-01-17 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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