vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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 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 2025-02-05 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been banking with CapitalOne for over 5 years. Today, XX/XX/year> I tried using my Debit Card online to pay for a loan I owe. The loan was {$160.00} XX/XX/XXXX. I have an available balance of {$280.00} dollars in my card. My card declined 2 times, so I contacted CapitalOne Bank customer service. The agent state my debit card was canceled and they have sent me a new card today. I asked why my debit card was canceled? I didn't requested cancelation of my debit card and I was not notified about this. The agent stated my card is expiration date is approaching and a new one was automatically sent. I was outraged. My debit card does not expire until XX/XX/year>. Why would they take the liberty to cancel my card without my knowledge a month prior? I asked her to re-activate my card. I only have XXXX debit card, I only bank with capitalone. The new card is not arriving until XX/XX/year>. What am I going to do until then? I need gas and food. I need to pay my bills. The agent said I can pay bills with XXXX. I ask her, can I pay the gas station with XXXX? Can I pay the supermarket with XXXX? How about my cellphone bill which is due XX/XX/XXXX, XX/XX/XXXX, XXXX doesnt take XXXX XXXX The agent said I should figure it out. 

I am extremely angry CapitalOne would cancel my card without me having a new one. Completely taking control of my finances and not allowing my to use my money. I have called CapitalOne 3 times and tried to get someone to talk to me on XXXX or XXXX and they will not help me. I am desperate and dont know what to do but submit this complaint to see who could listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I am writing to formally address Equifaxs failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite multiple dispute requests mailed on or about XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, Equifax has failed to properly investigate and resolve the inaccurate or unverifiable accounts in question. This pattern of inaction mirrors the systemic issues highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, where credit reporting agencies have been found to violate consumer rights by failing to forward consumer-provided evidence to furnishers, relying on unreliable responses without proper verification, and neglecting to adequately notify consumers of dispute resolutions. Equifaxs failure to act on my disputes has caused ongoing harm to my credit standing, despite my repeated attempts to provide supporting evidence. The FCRA mandates that credit reporting agencies conduct a thorough and reasonable reinvestigation, yet Equifax has failed to comply with these legal requirements. I am demanding immediate corrective action to remove or amend the disputed accounts. If Equifax continues to neglect its obligations, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office to seek enforcement of my rights under federal law. I expect a written response detailing the steps Equifax will take to resolve my dispute within the legally required timeframe as outlined under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
EQUIFAX is violating my consumer rights. They are fraudulently letting XXXX XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EQUIFAX for failure to investigate as I'm a federally protected consumer. I will also be reporting both EQUIFAX and XXXXXXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since EQUIFAX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXXXXXX XXXX  isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these XXXX companies have caused. I know that XXXXXXXX XXXX pays EQUIFAX to report inaccurate information and EQUIFAX refused to give me a fair investigation for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Due to this issue, I request a thorough review of the documents I have submitted so that I no longer have to worry about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Yes Online Inc
State: WA

Complaint narrative:
On XX/XX/XXXX Dynamic Legal Recovery sent me a letter for collection regarding a construction XXXXontractor I was in a dispute with who worked on my home. I responded with a certified mail written dispute and emails requesting proof of debt since my signature was on nothing. This was done within the 30 day timeframe. I explained via phone calls that this was false information being given to them from a XXXX convicted felon of fraud. I advised that the invoices were completly made up and the receipts provided were not all materials for my house. I had an attorney also send a letter on XX/XX/XXXX. This situation resulted in a XXXX XXXX year legal battle ultimately resulting in a court judgement against the XXXX for multiple offenses. Dynamic only removed their collection after I sent a copy of the judgement on XX/XX/XXXX showing it was an illegal debt. At no time whatsoever did Dynamic Legal Recovery respond to any requests for proof of debt or contact myself or my attorney regarding the matter. The monthly submission of this collection to the credit bureaus destroyed my perfect credit rating resulting in significant damage that has irreversible effects even after now being removed almost 3 years after.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has No collections XXXX XXXX  The account opened on XX/XX/year>, but the first delinquency was on XX/XX/year> before the account even existed. Thats not possible, which makes this an inaccurate report. 

Original creditor from XXXX XXXX XXXX  to a debt buyer. 
The debt buyer legally owns the debt. 
The debt is correctly reported and validated with proof. 

personal info wrong i don't live a 90 % if places listed or never have Requested verification from collectors Over the time of investigation - With all credit burrors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
I want reported accounts removed on my credit account I have spent weeks months and letters to all three credit bureaus. I also had to pay for a lock on my Social Security number. My Social Security number has been ran a good 20 times for loans as well as credit cards. There is so many different credit cards on my account that I am not aware of. It has been a long road for me and this is holding me back from a lot in life and I can not get anywhere on fixing this. I filed for bankruptcy five years ago. Nothing should be on my credit. I moved back to the US and my credit is ran down. It should literally have nothing on there but a bankruptcy that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: United PanAm Financial Corp.
State: MD

Complaint narrative:
THERE'S AN AUTO LOAN ( UNITED AUTO CREDIT CO ) ON MY REPORT THAT IM NOT AWARE OF, THIS VEHICLE INFORMATION DOES NOT EVEN APPEAR ON MY XXXX REPORT. I NEVER AUTHORIZED ANYONE TO GET A VEHICLE IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I received a text from XXXX saying : Citi : BLOCKED : Cash Advance Transaction Amount : {$3500.00} Authorized?

Reply YES & Try again or NO, and An agent will reach out to you!

I replied NO Then received a phone call from someone saying they were with Citibank and that a {$3500.00} Cash Advance request had been made. He asked if I knew the process of a cash advance, I said yes. He asked if it was me trying to make the cash advance, I said no. He asked if I had the Citibank app on my phone, I said yes. He said to get a piece of paper to write something down and open the app on my phone. He asked if I had the piece of paper, I said yes. He asked if I opened the app on my phone, I said no. He said the only way this can be processed as fraud is my opening the app on my phone. I told him I wasn't going to open the app, that my sister had just been scammed and then he hung up immediately.

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 2025-02-05 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
SUNRISE CREDIT SERVI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

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 2025-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I called USAA on Wednesday XX/XX/XXXX around XXXX XXXX  eastern standard time and spoke to someone in homeowner insurance who said her name was XXXX. 

Per XXXX there had been no payment towards my homeowners insurance since XX/XX/XXXX and she demanded I pay the balance of about {$1000.00}. 

I stated that cant be correct. And repeated what she told me. So you have received no payments for XXXX and XXXX. 

She stated thats correct. I then logged onto my account because the payments come out automatically. 

She double talked failed to acknowledge that XXXX and XXXX payment was made. 

I asked what would I pay {$1000.00} when the payments are {$350.00} per month. 

XXXX then stated The XX/XX/XXXX payment had been made by the subscriber. 

I asked her are you telling me I didnt make the XX/XX/XXXX payment. But it came out of my account I then requested a supervisor. Someone named XXXX came in the phone. Very angry. I then asked are you a supervisor He stated. Im on the escalation Team. 

I asked again for a supervisor

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Good day, I had my checking and savings account blocked for absolutely no reason on Saturday the XXXX of XXXX without any prior notice. I pretty much found out that evening while trying to make a purchase and my debit card declined twice. Then I reached out to the customer care representative who after listening to my complaint referred me to the fraud department and I was baffled. Monday XXXX of XXXX I called the fraud department and I was told my account was under investigation for a deposit made from XXXX XXXX in the amount of {$100000.00} thereabout which I'm fully aware of which makes absolutely no sense to me. I was told to call back after 48 hours which I have done today and I'm being told my account is being closed without any prior notice or complaint which is totally outrageous! 
Checking Account Number - XXXX Savings Account Number - XXXX Account Holder Name - XXXX XXXX XXXX Citi Bank Executive Response Unit case Number - 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 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
CFPB Complaint Mortgage Servicing Violation To : Consumer Financial Protection Bureau ( CFPB ) Complaint Portal : CFPB Online Complaint Portal Complainant : Name : XXXX XXXX XXXX LoanDepot Account Number : # XXXX Case Numbers : XXXX ( First Inquiry ) XXXX ( Escalated Inquiry ) XXXX ( Latest Case ) Complaint Details : On XX/XX/year>, I submitted Certified Drafts totaling {$100000.00} to LoanDepot at its XXXX, CA office via USPS Certified Mail ( Tracking No. XXXX ) to settle my mortgage balance. 

Despite multiple written requests and direct engagement with LoanDepots servicing representatives, LoanDepot has : Failed to process the Certified Drafts without providing a valid rejection justification. 
Refused to cite any legal or servicing guideline from XXXX XXXX prohibiting the acceptance of Certified Drafts.

Continued delaying resolution with a 24-48 hour response window with no actual action.

Violated federal servicing laws by obstructing valid payment settlement. 

Relief Sought : Regulatory enforcement compelling LoanDepot to process the Certified Drafts or provide a legitimate legal reason for refusal. Monetary penalties against LoanDepot for improper handling of mortgage payments. Investigation into LoanDepots servicing violations, with potential corrective action.

Supporting Documents Attached : Certified Draft Submission Proof & USPS Delivery Confirmation.

Previous correspondence with LoanDepot ( Case Numbers Included ). 

Loan Note & Servicing Documentation Proving XXXX XXXX Ownership.

Company response to consumer: Closed with explanation