vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute the denial of my {$200.00} airline incidental credit on my American Express XXXX Card. On XX/XX/year>, I purchased two XXXX XXXXXXXX XXXX deposits of {$100.00} each, a transaction that has historically been recognized for this benefit. However, I have yet to receive the credit. 

Upon contacting customer service, I was informed that XXXX XXXX XXXX purchases do not qualify for the credit. However, there is no mention of this restriction in the official terms and conditions. Additionally, numerous XXXX cardholders have reported receiving the credit for the same type of purchase, as recently as XXXX, on XXXX ( XXXX ) and other consumer forums. 

This lack of transparency and inconsistent enforcement of stated benefits is misleading to cardholders. If American Express has changed its policy, this should have been clearly disclosed in writing, rather than arbitrarily applied without notice. Given these concerns, I am formally escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) and relevant consumer protection agencies for review of Amexs practices regarding the application of this benefit. 

I request a written response clarifying the official policy on XXXX XXXXXXXX XXXX  purchases, along with an explanation for this inconsistency. If a policy change has been made, please provide documentation of when and how it was communicated to cardholders. 

I expect a fair and transparent resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
To Whom It XXXX Concern, I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX, for what is purported to be a utilities debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I was made aware of a drop in my credit score on XX/XX/XXXX due to a delinquent payment on this account. I immediately logged onto the Mr. Cooper website and saw that the XX/XX/XXXX electronic fund transfer from XXXX XXXX XXXXXXXX did not post to my account. In addition, I then saw the monthly payment had increased to {$3200.00}. I had not received any notice from Mr. Cooper about this increase. 

I spoke with a Mr. Cooper customer service representative on XX/XX/XXXX who advised that the XX/XX/XXXX payment from my XXXX XXXX  XXXX account in the amount of {$3000.00} was " lost ''. I was told my account would continue to be delinquent until all outstanding balances are paid, even though the company had " lost '' {$3000.00}. I paid the outstanding balance, and the {$96.00} late fee, so my credit would not be hurt further while this is disputed. Subsequently, apparently the payment was " found '' and applied to the principal of the loan. No one contacted me to discuss what I wanted done with this payment. 

I have documentation from the XXXX XXXX  XXXX confirming the electronic fund transfers have always been on time. 

Historically anytime there has been an increase in payment it was done directly with my bank since our mortgage is on auto payment. The last time this occurred was in XX/XX/XXXX. 

Our credit score has been severely affected by this matter. I have filed disputes with all 3 credit bureaus ; however, we are still being penalized because of Mr. Cooper 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I reached out to the third-party company trying to figure out what is going on and why do I order third-party company that goes by the name Midland Credit Management to ask down why are they harassing me with randomly different calls from different numbers calling my phone hanging up I also asked them to provide the original contract from the original creditor which is from XXXX XXXX and I also asked them to provide another copy of proof to say that I have Debt with Midland Credit Management With my wet signature stating that I owe them money. I never had dealings with them. I dont even know who this company is. They failed to provide that information but still from this day I am still getting harassment calls from random numbers from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
Dispute Letter to XXXX Regarding Returned Payments & Lack of Notification XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email ] [ Date ] XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Returned Payments & Lack of Notification Account Ending in XXXX Dear XXXX Dispute Resolution Department, I am writing to formally dispute the handling of two payments I submitted toward my XXXX XXXX account ( ending in XXXX ) on XX/XX/XXXX and XXXX. 
Both payments of {$50.00} each were returned unpaid, yet XXXX failed to provide proper notification to allow me the opportunity to rectify the issue. This lack of communication is a violation of my rights under federal consumer protection laws. 

Legal Basis for Dispute 1. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 The FCBA requires creditors to notify consumers of any billing errors, including failed or rejected payments. Since XXXX failed to notify me in a timely manner, this denial of proper notice prevented me from correcting the issue. 
2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 If a payment was attempted via electronic transfer ( ACH or debit ), Regulation E mandates that financial institutions and creditors provide notice of any rejected or failed transactions. Failure to do so violates consumer rights under this law. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) XXXX reported my account negatively due to the returned payments, this reporting is potentially inaccurate and unfair, as I was never given the chance to rectify the situation before it escalated. 

The payments were made via the mobile app. I quick selected a bank account that I had closed. If I would had been noticed I would had rectify the billing error immediately. Just like I did today ( XX/XX/XXXX ) after speaking to customer service, the representative could not tell me which payment was being reported late until he further investigated and informed me that the payments were returned unpaid. The payment history reflects one of the payments of {$50.00} dated XX/XX/XXXX as paid. This is very misleading as is reflecting that the payment was made instead of reporting the status as declined, returned. Etc. In XX/XX/XXXX I had a similar situation and that payment reflected as declined. I was able to make that payment before it affected my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
Dispute Letter to XXXX Regarding Returned Payments & Lack of Notification XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email ] [ Date ] XXXX XXXX XXXX Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Returned Payments & Lack of Notification Account Ending in XXXX Dear XXXX Dispute Resolution Department, I am writing to formally dispute the handling of two payments I submitted toward my XXXX XXXX account ( ending in XXXX ) on XX/XX/XXXX and XXXX. 
Both payments of {$50.00} each were returned unpaid, yet XXXX failed to provide proper notification to allow me the opportunity to rectify the issue. This lack of communication is a violation of my rights under federal consumer protection laws. 

Legal Basis for Dispute 1. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 The FCBA requires creditors to notify consumers of any billing errors, including failed or rejected payments. Since XXXX failed to notify me in a timely manner, this denial of proper notice prevented me from correcting the issue. 
2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 If a payment was attempted via electronic transfer ( ACH or debit ), Regulation E mandates that financial institutions and creditors provide notice of any rejected or failed transactions. Failure to do so violates consumer rights under this law. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) XXXX reported my account negatively due to the returned payments, this reporting is potentially inaccurate and unfair, as I was never given the chance to rectify the situation before it escalated. 

The payments were made via the mobile app. I quick selected a bank account that I had closed. If I would had been noticed I would had rectify the billing error immediately. Just like I did today ( XX/XX/XXXX ) after speaking to customer service, the representative could not tell me which payment was being reported late until he further investigated and informed me that the payments were returned unpaid. The payment history reflects one of the payments of {$50.00} dated XX/XX/XXXX as paid. This is very misleading as is reflecting that the payment was made instead of reporting the status as declined, returned. Etc. In XX/XX/XXXX I had a similar situation and that payment reflected as declined. I was able to make that payment before it affected my credit.

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 2025-03-15 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:
Dispute Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX [ Your Phone Number ] [ Your Email ] [ Date ] XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute of Returned Payments & Lack of Notification Account Ending in XXXX Dear XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute the handling of XXXX payments I submitted toward my Fingerhut Advantage account ( ending in XXXX ) on XX/XX/XXXX and XXXX. 
Both payments of {$50.00} each were returned unpaid, yet XXXX failed to provide proper notification to allow me the opportunity to rectify the issue. This lack of communication is a violation of my rights under federal consumer protection laws. 

Legal Basis for Dispute XXXX. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 The FCBA requires creditors to notify consumers of any billing errors, including failed or rejected payments. Since XXXX failed to notify me in a timely manner, this denial of proper notice prevented me from correcting the issue. 
XXXX. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 If a payment was attempted via electronic transfer ( ACH or debit ), Regulation XXXX mandates that financial institutions and creditors provide notice of any rejected or failed transactions. Failure to do so violates consumer rights under this law. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) XXXX reported my account negatively due to the returned payments, this reporting is potentially inaccurate and unfair, as I was never given the chance to rectify the situation before it escalated. 

The payments were made via the mobile app. I quick selected a bank account that I had closed. If I would had been noticed I would had rectify the billing error immediately. Just like I did today ( XX/XX/XXXX ) after speaking to customer service, the representative could not tell me which payment was being reported late until he further investigated and informed me that the payments were returned unpaid. The payment history reflects XXXX of the payments of {$50.00} dated XX/XX/XXXX as paid. This is very misleading as is reflecting that the payment was made instead of reporting the status as declined, returned. Etc. In XX/XX/XXXX I had a similar situation and that payment reflected as declined. I was able to make that payment before it affected my credit.

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
To whom it may concern, I have contacted mohela on several occasions about the processing of the NUMEROUS XXXX and XXXX plans that I have applied for. Not one has been accepted or processed for well over a year now. I have filed several complaints with the XXXX  and they have had mohela respond with a generic " we'll get back to you in a few business days ''. To which they never have or their response is the same. Currently, they have dodged all of my attempts to attempt a payment plan to pay my loan. I have also filed several complaints with the department of education because they have failed to respond. I have not received a response from mohela either and it still says " in review ''. 

Most recent dates of complaints to mohela include, XXXX XXXX XXXX XXXX Most recent XXXX XXXX  XXXX XXXX and complaints-- XXXX XXXX  XX/XX/XXXX -XXXX XXXX request XX/XX/XXXX XXXX XXXX request XX/XX/XXXX XXXX XXXX request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  request XX/XX/XXXX Feedback case XX/XX/XXXX XXXX  feedback and contact XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was trying to rent an apartment and met with the " landlord '' who saw the property, signed the lease/tenancy agreement, and paid my deposit of {$900.00}, split into XXXX Cash app payments of {$450.00}, {$180.00}, and {$270.00}. I was never given the keys and the individual stole my money and disconnected their phone. I sent cash app the police report. signed tenancy/lease agreement, receipts of payments sent for deposit, and all correspondence between " the individual '' and myself. Cash App claims they " refunded '' me XXXX of the payments. The {$450.00} and {$180.00}, but I never received any of them nor received the {$270.00} either. This has been going on for almost XXXX  months now and I'm at my whits end. I just want my money back from this fraud. I'm starting to feel like Cash app is the reall scammers here not the individual who actually stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: WY

Complaint narrative:
I am filing a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax and Experian consistently responds within XXXX 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, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe 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, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts i marked as inaccurate : XXXX XXXX XXXXXXXX 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 2025-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: OK

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Americollect, for what is purported to be a medical debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX for an alleged lease debt. I am formally disputing this collection, as I do not recognize the debt. When I vacated the apartment, there was no balance due. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification raises significant concerns regarding the validity and accuracy of this account. This erroneous reporting has caused difficulties in securing credit and is directly impacting my ability to obtain a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NE

Complaint narrative:
I have disputed multiple times against calvary portfolio, stating the last four of the account number on the validation documents they sent to me does not match the account number of the physical card i have. And i did not receive signed documentation of a contract only bills and in voices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
account number XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request Pursuant to 15 U.S. Code 1692g Dear Capital One, I recently received a notice regarding an alleged debt associated with account number XXXX. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I am formally requesting validation of this debt before taking further action. 

Please provide the following information : The name and address of the original creditor, if different from Capital One. 
A detailed breakdown of the debt amount, including the principal balance, interest, fees, and any other charges. 
A copy of the original contract or agreement that legally obligates me to this debt. 
Verification that Capital One has the legal authority to collect on this debt. 
Any relevant documentation proving that I am responsible for this debt. 
Until I receive the requested validation, I dispute the validity of this debt and request that all collection activities, including reporting to credit bureaus, be suspended as required by law. 

Additionally, I request that all future communication regarding this matter be in writing. 

I appreciate your prompt attention to this request and expect a response within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation