vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX took XXXX from me after being blocked from my account multiple times. I had tried to reach out to CashApp but no live representative was available. I contacted XXXX XXXX over the phone and they said theres nothing they could do, and I had gone in person two times previously to cancel the membership- one time they said I couldnt do it at the location, and the second time they said I had to pay to cancel the membership. I am not on a contract, so I blocked them from trying to take the money since I live over an hour away from their locations, and am in the middle of a XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Americas Car-Mart, Inc.
State: FL

Complaint narrative:
improper information being reported on my credit report XXXX XXXX account number XXXX states late payments 30 days late on XXXX on XX/XX/XXXX and on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Contacting you to formally dispute a late payment reported on my XXXX card, XXXX XXXX and WFBNA accounts. I did contact the representatives on XX/XX/2025, XXXX card refused to assist with this matter. According to my records, the late payment reported on XXXX of XXXX is inaccurate and should be removed from my report. 
Under 15 U.S. Code 1637 ( b ) of the truth in lending, creditors are required to provide periodic statements that accurately reflect the terms and transactions of the account. If a billing error or failure provide sufficient notice of payment terms had ocurred, the creditor may not lawfully penalize the consumer for non payment.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, My husband XXXX XXXX and I opened a Capital One XXXX  card in XXXX of XXXX  because the rewards were good. They claimed that we would " Earn XXXX Bonus MilesEqual to {$750.00} in Travel Rewards After You Spend $ XXXX With XXXX  within the first XXXX months. '' Within a short period of time ( roughly 1 month ) we spent the $ XXXX on the credit card. I was able to watch a spending tracker that they had on the app.The tracker showed the normal rewards that we were earning on our regular purchases, and it also showed how far we had to go in order to get the bonus rewards. The tracker kept growing closer to our $ XXXX goal as we spent, but eventually it just stopped with {$780.00} to go ( despite us continuing to use the card and spending well over that amount ) and then eventually the tracker just disappeared from the app entirely. On XX/XX/XXXX after I knew we had spent over $ XXXX, I called Capital One to ask where our rewards were. They claimed that I would need to wait one billing cycle in order to see the credit on my account, so I should call back in XXXX. I decided to wait a bit longer, and I called back on XXXX XXXX and asked for them to send my rewards. Then they told me that the rewards would be credited to our account on XXXX XXXX. On XX/XX/XXXX, my husband and I jointly called and demanded that our rewards be credited to our account. At this point, they claimed that in fact, we had already received the rewards. As we knew this not to be true, we asked for them to send us a statement or proof of the rewards being credited to our account. If they were not able to send them, we asked them to direct us online or on the app to see where we can see the credit. They said that they were not able to do so. As of now, no proof of the sign up rewards have been provided to us, nor have the actual rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Dear Caine & Weiner Co., I am writing to formally dispute the debt referenced in your communication dated [ XX/XX/year> ] and request validation of the debt in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I do not believe I owe the amount stated, and under 15 U.S.C. 1692g, I request that you provide verification of the debt. This verification must include : The amount of the debt.

The name of the creditor to whom the debt is owed.

A copy of the original contract or agreement under which the debt arose, or other proof that you are authorized to collect this debt on behalf of the creditor.

A detailed breakdown of the debt ( including principal, interest, and any fees ).

The original creditors contact information, including their name, address, and phone number.

Please note that under 15 U.S.C. 1692g ( b ), while you are investigating this dispute, you are prohibited from continuing any collection efforts or reporting the debt to credit reporting agencies until the validation request is resolved. 

If you do not provide the requested validation within 30 days from receipt of this letter, or if you continue to attempt to collect on this debt without verifying it, I will consider this matter to be closed and may report your failure to comply with the law to the appropriate authorities. 

Please send all relevant documents and information to the address listed above. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed some unauthorized inquires that I do not recognized. I also took the necessary steps to file a FTC report that I will attach in the files. The inquires that I need removed are listed on the report.

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 2025-02-12 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed some unauthorized inquires that I do not recognized. I also took the necessary steps to file a FTC report that I will attach in the files. The inquires that I need removed are listed on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX  ), filed on ( XXXX  ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 non-monetary relief
Consumer complaint received 2025-02-12 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX  ), filed on ( XXXX  ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2025-02-12 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: IN

Complaint narrative:
Now that I have been able to access and review my credit report, I have noticed multiple inaccuracies and accounts that I do not recognize. These errors are negatively impacting my financial well-being and overall quality of life. Additionally, my personal information across all major credit bureaus has not been updated or corrected despite previous efforts to address these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighted 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 was infeasible. CFPB 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 the consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Collection Removal Statement I am writing to file a formal complaint regarding a collection account that has been improperly reported on my credit report by TOYOTA MOTOR CREDIT CORPORATION without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 1. 
TOYOTA MOTOR CREDIT CORPORATION has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
TOYOTA MOTOR CREDIT CORPORATION is flagrantly disregarding consumer protection statutes. I did not receive any notice from TOYOTA MOTOR CREDIT CORPORATION providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. 
I kindly request that the CFPB investigate this matter, as I believe this collection was reported without following the proper legal procedures. 
Additionally, I request that TOYOTA MOTOR CREDIT CORPORATION remove this account from my credit report and cease all collection efforts immediately. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
My card was involved in a transaction that was not authorized or approved. When contacting the merchant, they denied to stop the transaction and informed me to contact my bank. I contacted my bank and filed a dispute over the phone with no worries that the situation would be taken care of. I received a denial email and it is completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper 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 2025-02-12 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: NC

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my accou

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IL

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

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 2025-02-12 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: NY

Complaint narrative:
Experian has been reporting on credit information that has already been paid off by saying it was closed such as XXXX, XXXX XXXX, Making it impossible for me to move into an apartment because of credit rating. Also showing I have judgements and delinquent accounts and counting my student loans which are in forbearance on my credit report. I need this issue to be resolved quickly so I can secure a rental space. I can end up homeless because inaccurate information on my credit report.

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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