vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: KY

Complaint narrative:
Re : Debt Validation Request [ Account Number or Reference Number ] To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above.This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am exercising my right to request validation of this debt and the following documents to ensure the debts legitimacy and the accuracy of your claims : The Forward Flow Agreement The agreement between the original creditor and your company that grants you the right to collect on this debt.

The Chain of Assignment A complete and verifiable record showing the transfer of ownership of the debt from the original creditor to your company, including all intermediate entities or individuals involved.

The Purchase Agreement A copy of the document ( s ) demonstrating that your company has legally purchased or otherwise acquired this debt from the original creditor or any previous holder.

Insurance Claim of Debt If applicable, a record of any insurance claim made on this debt, including any payout received by the original creditor or by your company, as it pertains to the debt.

My Signature Agreement to Pay A copy of any signed agreement or contract that reflects my explicit intention to repay this debt, if such an agreement exists.

Accounting Records of the Debt A detailed statement of the account, showing the full breakdown of the balance owed, including the original amount, any interest, fees, or charges added, and the payment history, if applicable.

Copy of Your License to Collect Debt As required by law, please provide a copy of your companys debt collection license for the jurisdiction in which you operate, as well as any other applicable licenses that allow you to collect on this debt.

Please provide the above documents within 30 days of receipt of this letter, as required by the FDCPA. If you are unable to provide these documents or fail to validate the debt as requested, I expect this matter to be considered closed, and all collection activities related to this alleged debt should cease immediately.

Should you fail to provide the requested documentation, I will consider this debt invalid and dispute any further attempts to collect on it. Furthermore, I request that you cease reporting this debt to any credit reporting agencies until the debt is fully validated and all supporting documentation is provided. 

Thank you for your cooperation. I look forward to your timely response. 

Sincerely,

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 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
due to the many lawsuits Experian Transunion and Equifax experiences due to lack of investigations or a lack thereof I feel much safer sending all investigation and audit efforts through the cfpb and please do not send any stall tactics like you usually do this is XXXX XXXX XXXX not a credit repair company, please do the right thing and remove all of these outdated items! check attached paperwork.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 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 with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I went to Citibank and spoke to someon XXXX last year and they told me if I keep at least XXXX in my bank account I will not be charged the full of my service fee and I noticed they've been charging me for over a year now and I went up to XXXX and XXXX in XXXX Illinois and they told me to see him myself {$3.00} a month and that's all they would charge me and they still are charging me almost a full amount I want my money refund back to me because someone lied to me after they pat me put more money in my bank account because I don't have no direct deposit.

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 2025-02-02 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: EQUIFAX, INC.
State: SC

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 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
We purchased a home solar loan with Goodleap. The amount was XXXX in XXXX. The Goodleap associates stated that there would be money back from taxes to pay off loan early before it re-amortizes in 2 years XX/XX/XXXX. Fast forward to now XX/XX/XXXX it re-amortized. But what is boggling is the $ 194 monthly payment went initially towards interests none to principal. But on the statement it says {$190.00} goes towards principal & interest. Now 2 years later the amount is {$48000.00}! Where the XXXX is the almost {$6000.00} amount going towards the principal to begin with?!!!!!

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$14000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$810.00} XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$740.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently looked at my credit profile and noticed there were a number of fraudulent and inaccurate charges on my credit profile I did not give consent for therefore these accounts need to be REMOVED!!!! Those accounts and charges consist of the following Acct XXXX : XXXX XXXX XX/XX/XXXX {$250.00} Acct XXXX : XXXX XXXX XX/XX/XXXX {$660.00} Acct XXXX : XXXX XXXX XX/XX/XXXX {$11000.00}

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 2025-02-02 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$300.00}

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

Complaint narrative:
XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until 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 2025-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Axela Technologies, Inc
State: CA

Complaint narrative:
I am filing a complaint against Schwartz Vays ( Collection Agency ) and XXXX XXXX XXXX ( XXXX XXXX ) for unjust collection fees, mismanagement of XXXX accounts, and excessive fines that violate HOA agreement guidelines. 

Unjust Collection Fee I was charged an excessive {$400.00} collection fee when my outstanding balance was only {$160.00}. Despite repeated attempts to make payments and correct account discrepancies, my accounts were sent to collections without notice. 

Mismanagement & Denied Payment Access My HOA accounts were scrambled, incorrectly combined, and placed on a " Do Not Accept '' list, making it impossible for me to pay on time. I repeatedly reached out to XXXX XXXX, Accounts XXXX ( XXXX XXXX ), but he took weeks to respond, and it was only after months that my accounts were sorted. 

Excessive & Arbitrary HOA Fines The HOA has imposed unreasonable fines, including : {$100.00} fine for a tenant forgetting to bring back the garbage bin, without any prior warning. 
Unjust fines for minor parking violations and not removing a basketball hoop. 
Lack of transparency in fine enforcement, violating the XXXX agreement. 
Sent to Collections While Actively Working to Pay Despite ongoing communications with the HOA to fix account errors and make payments, I was only granted access on the same day I was notified that my accounts had already been sent to collections. 

Failure to Provide Proper Notification I was never informed that my accounts were at risk of being placed in collections. If I had been notified, I would have resolved the issue immediately. 

This has caused financial and emotional distress, as I was making every effort to pay my dues but was denied the ability to do so due to mismanagement.

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 2025-02-02 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: CT

Complaint narrative:
The attached information is not mine and I never inquired with that company. As per 15 U.S. Code 6802 No financial institution can share your non public information with a third party entity. The credit bureaus are a third party entity.

Debt Collectors are 3rd party entities. I am requesting that the following Information is removed from my credit report. This is not mine and if the credit agency is going to do an investigation I want proof that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The attached information is not mine and I never inquired with that company. As per 15 U.S. Code 6802 No financial institution can share your non public information with a third party entity. The credit bureaus are a third party entity.

Debt Collectors are 3rd party entities. I am requesting that the following Information is removed from my credit report. This is not mine and if the credit agency is going to do an investigation I want proof that this account is mine.

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 2025-02-02 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFT
A ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, 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, Equifax '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.the account is accurate, 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, 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, Equifax '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.the account is accurate, 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally escalate a critical issue regarding a missing Zelle transfer that has remained unresolved for over three weeks. I purchased a car, and transferred the agreed-upon amount via Zelle to sender. Before initiating the transfer, both of us verified that the recipients phone number and name were correct. Despite this, the recipient never received the funds. Summary of Issue : Initially, my bank ( XXXX ) showed the transaction as pending, stating that it may take 2-3 days since this was the first-time transfer to this new recipient. The status later changed to sent, but the funds were never received. The recipients bank ( XXXX ) has no record of the transaction. We both filed disputes with our respective banks. XXXX closed my dispute without providing any tracking details or confirming the whereabouts of the money. ( Attached document ) I visited a XXXX branch in person, but the manager refused to assist, stating that he couldnt help since it was an online transaction. Over this period, I have spoken with more than ten different XXXX representatives and received XXXX different phone numbers, none of which led to any resolution. XXXX and I both went to XXXX bank no one helped us with this issue, just gives some number that is never helpful. Zelle refuses to assist, stating that the senders bank ( XXXX ) is responsible, while XXXX fails to provide any accountability. Urgent Request for Resolution : This is a serious failure of XXXX Bank, but I also expect XXXX and Zelle to intervene and hold XXXX accountable to trace this transaction and ensure the funds reach the correct recipient. The situation has escalated to the point where the recipient is now demanding the return of the car or threatening legal action against me. This is causing immense mental distress, and I need immediate intervention to locate and resolve this missing transaction. I appreciate your urgent assistance in this matter. Please find details about transaction : Sender : XXXX XXXX, Amount sent : {$2000.00}, Date : XX/XX/year>, Tracking number : XXXX, Transaction id : XXXX Reciever : XXXX XXXX, Phone : XXXX, XXXX, Bank XXXX. My contact number XXXX XXXX XXXX, XXXX primary number is : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation