vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly request the removal of this information from my credit report within XXXX business days, in accordance with section 605C of the Fair Credit Reporting Act. I would be grateful for a notification regarding the actions taken. Thank you for your swift attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my creditstanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. TheConsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit againstExperian, alleging systemic issues such asfailing to forward consumer-providedevidence to furnishers, accepting unreliableresponses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> MIDLAND CREDIT MANAGEM XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI, XXXX RE : Cease and Desist Collection Activities Account Number : # XXXX Dear MIDLAND CREDIT MANAGEM, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies.

That legal action will be taken against me.

Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office.

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into all of 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 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LoanCare, LLC
State: OR

Complaint narrative:
I have completed loan modification back in 2022 with Loancare XXXX XXXX for my house. 
They do NOT apply my funds and keep holding it. Then they are saying I am delinquent and now they want to do another modification and delay my maturity date from XXXX to XXXX!!! 
I have written to them multiple times. I have furnished them with my payment historry from my bank, I am NOT getting any response. They have simply have just ignored me. I am horrified they keep sending me delinquent and short sale letters. Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account XXXX : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XXXX NA XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX WAKEFIELD & ASSOCIATES took negative action to damage my credit on XX/XX/XXXX. They reported a collection of {$1200.00} from a medical facility that never responded to my calls to discuss this disputed amount. I called the medical facility to discuss the balance because they were attempting to charge me for a service they never provided. I signed up for Invisalign treatments with this facility in XXXX of XXXX. I was given half of the treatment which I paid. The other half of my treatment was never provided to me because it involved XXXX invisalign trays that were never provided to me. I left XXXX, Georgia in XX/XX/XXXX and have never resided there since. 

I believe the medical facility tried to charge for the remaining invisalign trays they never provided. Now, the collection agency which has never made any contact with me took negative action to damage my credit. I found out on my birthday in XX/XX/XXXX that I now have a collection account from a Georgia medical facility XXXX years after I no longer reside in XXXX, Georgia. This charge is inaccurate. I feel this is a form of XXXX  from this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Money is being token out of my account every month, I dont know why and Ive tried to stop it and speak with an agent but havent gotten anywhere. Also this is causing my credit score to decrease tremendously making it hard for me to reach any of my goals due to this inconvenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a XXXX Rewards visa card, issued by XXXX XXXX XXXX XXXX. As per their website ( https : //www.caesars.com/myrewards/partners/cr-visa ) : " Spend {$0.00} in the first XXXX  days on qualifying purchases made with your XXXX Rewards XXXX XXXX Credit Card XXXX XXXX returns, to upgrade to Platinum status. '' What they fail to mention is that it takes XXXX billing cycles to get the platinum upgrade. It's the same situation with other bonus tier points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Subject : Complaint and Cease-and-Desist Request Against Security Credit Services LLC for Unauthorized Use of Personal Information To Whom It May Concern : I am filing a formal complaint against Security Credit Services LLC due to their unauthorized access to and/or use of my personal information without my consent. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and to ensure Security Credit Services LLC immediately ceases all activities related to the alleged debt associated with account number [ Insert Account Number, if applicable ]. 

Nature of the Complaint : 1. Unauthorized Access and Use of Personal Information : At no point did I provide consent for Security Credit Services LLC to access or use my personal information. This includes my name, address, phone number, financial details, or any other personally identifiable information.

2. Violation of Privacy Rights : Security Credit Services LLC has acted inappropriately by obtaining or using my personal information without authorization. This may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable federal or state privacy laws. 
3. Failure to Demonstrate Legal Authorization : Despite my previous requests for validation, Security Credit Services LLC has failed to provide documentation proving their legal right to collect any debt or to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
When I XXXX started using XXXX it was with XXXX XXXX XXXX XXXX XXXX, but when I kept getting miscellaneous charges for amounts less than {$1.00} withdrawn from my account, i reported the fraud and closed that account. Then in 2022 I switched my XXXX to BOA Bank of America..No issues at first, then I got a XXXX request for a company I thought was a debt management because I had been in contact with them. I paid them and got nothing back.. reached out to the bank and nothing could be done because the recipient apparently did not or would not respond. Then a family member requested money and I sent it once no problem..but then it kept requesting from me different amounts XXXX contacted that family member and he said it wasn't him. Again the bank stated nothing could be done. So no warnings were given, no disclosures no XXXX part authentication or protection was in place. I have been with this bank since XXXX and as a XXXXXXXX XXXX XXXX I cant gamble on my fixed income, but I naively assumed my financial transactions would be protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has refused to remove inaccurate items from my credit report despite my repeated requests, proper verification of my identity, and compliance with all required procedures. The disputed items are linked to a report I filed with the FTC for identity theft. Despite providing Experian with proper documentation and requesting the original documents bearing my wet ink signature, Experian has failed to deliver the requested documents or adequately verify the debt as required under the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint to Experian around XXXX of 2024, in response to which Experian only provided a statement of charges but did not supply the original signed agreements for the alleged debts. These items are not recognized by me and may have been tied to personal information exposed in the widely reported Experian and XXXX XXXX XXXX data breaches. 

This situation violates my rights under the FCRA, specifically : Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation when a dispute is raised regarding the accuracy of information.

Section 609 ( a ) ( 1 ), which provides consumers the right to access all information on file related to them.

Section 605B, which requires credit bureaus to block disputed items resulting from identity theft within XXXX business days upon receiving proof of identity theft, including an FTC Identity Theft Report. 

Experians refusal to act in accordance with these laws constitutes a failure to fulfill their obligations. Additionally, Experians lack of genuine investigation aligns with ongoing complaints against them, as demonstrated by the CFPBs recent lawsuit against Experian for inadequate dispute investigations. 

I am requesting that Experian remove these inaccuracies from my credit report immediatelyno later than XXXX business daysper the timeline set forth in FCRA Section 605B. This situation has been ongoing for far too long, negatively impacting my financial health and trust in Experians practices.

Failure to address these inaccuracies promptly reflects poorly on Experians adherence to federal consumer protection laws and reinforces patterns of negligence that already make them the subject of regulatory action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: 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 writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They have the wrong address in my credit report and accounts that are not mines

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