vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: OH

Complaint narrative:
In reference to previous complaint XXXX, Equifax is still stating that they verified the duplicate XXXX XXXX XXXX collection accounts as accurate. Their response was that both have been verified. I do not have duplicate XXXX XXXX. collection accounts on XXXX or XXXX. I have tried for months to get Equifax to remove the duplicate. Now I see that the CFPB posted this on XX/XX/year> : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors I am definitely a victim of Equifax 's improper investigations of credit reporting errors. I want Equifax to immediately remove the duplicate XXXX XXXX. XXXX account off of my report. I am extremely livid at Equifax for blatantly violating my right to a fair and accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks 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 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

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 2025-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks XXXX Ca - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - 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 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

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 2025-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NC

Complaint narrative:
I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ). 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-19 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: SC

Complaint narrative:
Please check the information concerning the Equifax data breach below in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
There were several instances where I was using Zelle and money was lost due to transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Coinbase, a cryptocurrency exchange platform, due to their inadequate customer service. Despite numerous attempts to resolve an issue with my account, including hours spent waiting for responses via their chat and callback services, I have been unable to obtain any meaningful assistance. 

Coinbase does not provide an email address for support, and their existing systems have proven ineffective. This lack of accessible and efficient customer service has caused significant inconvenience and frustration. I believe this violates consumer protection standards that require companies to provide reasonable support for their services. 

My particular problem might be accidental or it might indicate widespread fraud. New users of Coinbase are offered a reward of up to {$200.00} after completing their first transaction. A XXXX the XXXX determines the amount of reward. In my case, I was awarded {$3.00} of XXXX ( XXXX ). However, that asset was never placed in my account and appears to have been taken back by Coinbase. I can not get them to respond to this complaint. How many others have also been scammed in this way? 

I kindly request your intervention to ensure Coinbase addresses this issue promptly and improves its customer service practices. Please let me know if you require further details or documentation regarding my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I never signed or agreed to pay the collection from the collection agency. I also advised XXXX that I sent the collection agency a validation letter and requested that they validate the debt, but the collection agency never sent me the validation letter. Also, the other credit bureaus XXXX and XXXX who had the same information were able to delete the collection from my credit report. I am requesting that XXXX remove the collection from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
The check I was to receive from the Lexington law settlement went to a different address!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain misled customers into believing they needed to buy add-on products to get a loan OneMain failed to refund interest to customers who canceled add-on products within the " full refund period '' OneMain charged and failed to refund interest on add-on products that customers didn't agree to buy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX XXXX was fraudulently charged on XX/XX/year> in an amount totaling {$530.00}. The merchant for this charge was to XXXX XXXX XXXX. When I called to dispute the charge Barclays incorrectly submitted the dispute as Services Not Rendered/Received versus a fraud charge. The Barclays reference for this is XXXX ID XXXX. The merchant decline the dispute, Barclays required payment, and I am unable to receive customer service assistance from Barclays to resubmit the dispute as fraudulent. I have escalated within Barclays credit card customer service team multiple times and have been promised a call by a customer service XXXX but I have never received a call back. When I call to inquire about the escalation resolution I am told a XXXX called but I didn't answer. Again, I have never received a return call from Barclays.

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 monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

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 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. 
I want the CFPB to publish this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Clarity Services , Inc. regarding fraudulent inquiries on my consumer report, which are attempts to obtain credit and loans in my name. These inquiries include : XX/XX/year>2023 : Multiple inquiries for storefront payday loans by XXXX XXXX. 
XX/XX/scrub>/2023 : Inquiries for online installment loans by XXXX and XXXXXX/XX/XXXX, online payday loans by XX/XX/XXXX/XX/XX/XXXX and XXXX, and lines of credit byXX/XX/XXXX and XXXX. 

These inquiries were made fraudulently using my Social Security number, drivers license, and date of birth, which were compromised in the XXXX data breach. These fraudulent applications were not authorized by me and are the result of identity theft. 

Additionally, fraudulent addresses, phone numbers, and email addresses appear on my report, including : Addresses : XXXX XXXX XXXX XXXX, XXXX, KS XXXX and XXXX XXXX XXXX XXXX, XXXX, KS XXXX Phone numbers : XXXX, XXXX, and others Email address : XXXX and XXXX The individual who stole my identity used this information to attempt to secure auto loans, payday loans, and cash advances. This has caused significant distress, as I have had to monitor my credit reports with not only Clarity Services but also Experian, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to identify and dispute fraudulent entries. 

These fraudulent inquiries have caused repeated emotional and financial distress : My credit score has been negatively impacted by these unauthorized inquiries. 
I am forced to monitor multiple credit bureaus and third-party services constantly, incurring additional expenses and consuming significant time. 
The ongoing reappearance of fraudulent data has severely affected my trust in credit reporting agencies and lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: PA

Complaint narrative:
third-party collection agency pursuing a debt that is not owed to them. Despite no verifiable proof of the debt being owed or valid, Credit Control has engaged in attempts to collect it. This action directly contradicts XXXX 's rights under the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from unauthorized or abusive collection practices by third parties.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
XXXX 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 those actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased clothing from XXXX on XX/XX/year>, totaling {$270.00}. On XX/XX/XXXX, I received a message from XXXX indicating that my package couldn't be delivered due to weather conditions. After following up with XXXX about the status, I found out that I still hadnt received my package since XX/XX/XXXX. Since then, Ive been in continuous contact with XXXX, but there's been no resolution. They keep assuring me that they will reach out to the XXXX, XXXX, but so far, nothing has changed. 

I was given a tracking number, XXXX, but the status of my package remains stagnant, and they can not tell me where it is. I suspect that my package has either been lost or stolen by XXXX, which is why Im seeking a refund. I opened a dispute with PayPal on XX/XX/XXXX, and the next day, I received a message from XXXX offering a refund if I withdrew my dispute. I replied the same day, making it clear that I wouldnt drop the dispute until I received my money back. 

On XX/XX/XXXX, I got a text from an XXXX representative saying they were still trying to track down my order. However, they informed PayPal that my package was delivered on XX/XX/XXXX. My security cameras are proof that no package arrived on that date. I escalated my case through PayPal on XX/XX/XXXX, only to receive a message on XX/XX/XXXX stating that my dispute was closed because XXXX and XXXX had provided proof that the package had been delivered, which contradicts the facts. When I checked the XXXX website, my package still showed as undeliverable. If the package was, in fact, delivered, why havent they provided any surveillance footage or physical proof like GPS tracking and stamped delivery times? This situation with XXXX and XXXX is simply unacceptable.

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 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist Demand Regarding Alleged Debt To Whom It May Concern, I am writing to formally demand that Midland Credit Management immediately cease all communications with me regarding the alleged debt referenced under account number XXXX, which you have been attempting to collect. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby notify you that I do not wish to be contacted further regarding this matter. This includes, but is not limited to, phone calls, emails, text messages, letters, or any other forms of communication. 
Additionally, I request that you provide written confirmation verifying that you have ceased all collection efforts and that no further actions will be taken against me concerning this alleged debt. If you believe that this debt is valid, I request detailed validation, including : XXXX. The name and address of the original creditor. 
XXXX. A full itemization of the alleged debt, including principal, interest, fees, and any other charges. 
XXXX. Copies of any documents showing that I am legally obligated to pay this debt. 
Failure to comply with this cease-and-desist request may result in my taking further legal action to enforce my rights under federal and state law. Be advised that harassment, intimidation, or noncompliance with this demand will be documented and reported to the Federal Trade Commission ( FTC ) and my state Attorney Generals office for review. 
This letter is being sent via certified mail with a return receipt requested for documentation purposes. I expect your prompt and full compliance. Should you fail to adhere to this request, I am prepared to pursue any and all remedies available to me under the law. 

Thank you for your attention to this matter. I look forward to your confirmation of compliance within the next [ reasonable timeframe, e.g., XXXX business days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint for $ XXXX 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