vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Complaint Regarding Identity Theft and Unauthorized Debt Claim by Spring Oak Capital To Whom It May Concern, I am writing to formally file a complaint regarding an issue with Spring Oak Capital, who is claiming I owe them a debt of over {$1200.00}. I believe this debt is fraudulent and may be the result of identity theft.

On [ insert date you were first contacted ], I was informed of this alleged debt by Spring Oak Capital. Since then, I have repeatedly requested that they provide original documentation or a signed agreement to verify the validity of the debt and my alleged obligation. Despite my requests, they have failed to provide any evidence of the debt or any documentation linking me to it. 

I want to make it clear that I do not owe this debt, and I believe that Spring Oak Capitals claim is baseless and inaccurate. Their inability to provide the requested documentation raises significant concerns about their practices and the legitimacy of this claim. 

I am requesting the CFPBs assistance in investigating this matter to ensure that my rights as a consumer are protected. Specifically, I ask for the following actions : 1. Require Spring Oak Capital to provide the original signed agreement or any other documentation proving that this debt is valid.

2. Ensure this fraudulent debt is removed from my credit report, if it has been reported.

3. Prevent Spring Oak Capital from further harassment or attempts to collect on this alleged debt. 

Please let me know if you need any additional information or documentation from my end to process this complaint. I appreciate your prompt attention to this matter and look forward to your guidance on resolving this issue. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 ( 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 2025-02-09 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: MD

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard inquiries reported by Experian on my credit report. I have contacted Experian on numerous occasions regarding these inquiries ; however, they have failed to provide any proof or documentation that I ever authorized these actions. This matter is adversely affecting my credit profile, and I respectfully request your assistance in resolving this issue. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate or unauthorized. The FCRA mandates that credit reporting agencies conduct a reasonable reinvestigation and provide adequate verification for any disputed items. In this case, Experian has not met its obligations, as they have repeatedly failed to furnish the necessary evidence to substantiate these hard inquiries. 

To support my dispute, I have attached the following documents for your review : A copy of the FTC report detailing the disputed inquiries. 
A copy of my government-issued identification. 
Documentation containing my Social Security Number ( provided for identification purposes ). 
Proof of my current address. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Experian for non-compliance with federal law. The continued presence of these unauthorized inquiries is causing significant harm to my creditworthiness, and I urgently seek your intervention to help uphold my rights under XXXX law. 

Thank you for your prompt attention to this serious matter. Should you require any further information or additional documentation, please feel free to contact me at the phone number or email address provided above. 

Sincerely, 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 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I had an estate account at Ally Bank for multiple years since the passing of my mother. As we wind down the estate, I called and spoke with Ally Bank about making one last disbursement so I could close out the account. I explained how it needed to be done which was identical to the previous disbursement. 

After not receiving the check a week later, I called again on Friday XX/XX/XXXX. They told me it should be in the mail. I received the check a day later and the check was written out incorrectly to the estate that was being closed down. 

I called and spoke with a supervisor named XXXX ( Employee ID XXXX ) who refused to cancel the check and told me I would need to essentially mail and redeposit the check into a closed account and then could file an affidavit indicating that it was done incorrectly and after incurring this expense, I would then be able to call back and have it reissued. 

I asked to speak with another supervisor or her manager. She refused and told me that I could call back and try to get another manager. I then attempted to get help using the Ally bank online and spoke with XXXX XXXX who told me I would need to call and would not/ could not do anything. 

I called back and spoke with XXXX and she looked into the issue and then transferred me to the exact same supervisor, despite my informing the person of the supervisors name and ID number. I proceeded to disconnect the call and have filed this grievance while I look into other options, including legal options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
Nature of Complaint Product/Service : Consumer loan tied to mobile device promotion Issue Type : Problems with costs/charges/fees Problems when managing loan Marketing or advertising issues Elder financial exploitation Detailed Description On XX/XX/XXXX, XXXX XXXX promoted a " FREE XXXX XXXX '' requiring financing through Citizens Pay. Key violations : 1. Deceptive Promotion At checkout, XXXX displayed " $ XXXX for 24 months '' without disclosing consumer payment obligations to Citizens Pay. Total required payments ( {$830.00} ) exceed device MSRP ( {$820.00} ). XXXX. Elder Exploitation Victim : XXXX XXXX ( XXXX Arizona resident with XXXX  XXXX ). XXXX repeatedly contacted XXXX XXXX despite written directives to communicate only with XXXX holder. Harassment caused emotional distress and confusion. 3. Regulatory Violations CFPB Regulation Z ( XXXX XXXX XXXX ) : Failed to disclose credit terms. 1. Terms requiring payment by XXXX were not outlined during the purchase/order process XXXX XXXX ( XXXX XXXX XXXX XXXX : Unfair/deceptive acts affecting vulnerable adult. Attempts to Resolve XX/XX/XXXX : Initial complaint to XXXX XXXX XXXX  ( no resolution ) XX/XX/XXXX : Final demand letter sent ( no response in XXXX business days ) Desired Resolution XXXX. Full refund of {$900.00} paid for device XXXX. Civil penalties per Arizona XXXX XXXX ( treble damages for elder exploitation ) Supporting Documents ( Attach PDFs ) XXXX. Order confirmation showing " $ XXXX '' claim CC : Arizona Attorney General ( elder abuse unit ), FTC, FCC This format aligns with recent CFPB actions against XXXX ( XXXX ) and XXXX ( XXXX ) for similar hidden financing terms. The explicit elder abuse allegations should trigger mandatory review under the CFPB 's Office for Older Americans protocols. Keep copies of all submissions and track your complaint number for future reference. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Citizens Pay Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
Hi, recently I find that I have lots of inquiries for the year of XXXX, XXXX that I dont recognize. Can you guys help of removing those of my report thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
the creditor placed a collection on my credit report that does not belong to me. 

i hereby request immediate removal of the inaccuracy from all XXXX agencies. the collector also failed to provide written notice of this so claimed debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm needs stricter regulations when approving accounts. A fraudulent account was opened in my name on XX/XX/2022, for {$1500.00}, and it has since been charged off with a balance of {$1700.00}. I have never opened an account with Affirm, nor have I signed any documents authorizing one. This situation highlights serious flaws in their identity verification process. Consumers should not have to deal with the consequences of weak security measures. I want this removed from my credit immediately. Affirm must take responsibility and implement stronger protections to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have been unable to access my account, file a complaint, or raise concerns about how my information has been handled during key date and times of the cybersecurity attack. On approximately XX/XX/XXXX, the US Department of Education was unlawfully accessed and consumed by XXXX XXXX and his unofficial team. I did not, and at no point now or in the future, consent to any third parties access to my information outside of the US Department of Education. Since the event occurred, any and all access to my account and complaint and concern avenues have been blocked from access. I believe that the events listed have been a violation of the Gramm-Leach-Bailey Act ( GLBA ), the Privacy Act of XXXX, Computer Fraud and Abuse Act ( CFAA ), Federal Trade Commission Act ( FTC Act ), and Higher Education Act ( HEA ), Title IV and I want this investigated to the fullest extent of the law. If these laws are confirmed to have been violated, I would like legal action to be taken on any affiliated members or institutions and for them to be persecuted to the full extent of the law, for my consumer protections to be resumed, for any impact of such lawbreaking to be rectified by parties who broke the law, and for any remaining balance of these loans to be canceled and discharged to prevent further damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
Hard inquiries are fraudulent Please need to removed XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - 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 2025-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There things on my credit report that I do not recognize I asked for the original contract and they can't provide it I asked for the late payments to be removed from my credit that are not true and still they are there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1.ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN An XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
Experian had a data breach in which my information was breached. I would like all the negative history, hard inquiries removed from my credit report due to the data breach. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I am filing a complaint against Equifax, transUnion, XXXX XXXX  for failing to properly investigate my disputes 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, 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 administrative proceeding. 
These are the accounts : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2025-02-09 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: PA

Complaint narrative:
I am filing a complaint against Equifax, transUnion, XXXX XXXX  for failing to properly investigate my disputes 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, 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 administrative proceeding. 
These are the accounts : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 non-monetary relief
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

XX/XX/XXXXBalance {$620.00} Updated on XXXX XXXX, 2025 XX/XX/XXXX XXXX Balance {$1100.00}XX/XX/XXXXXXXX Balance {$1700.00} XX/XX/XXXXXXXX Balance {$350.00} XXXXXX/XX/XXXXXXXX Balance {$1500.00} XXXX Balance {$55.00} Updated on

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