vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Complaint Against : Capital One Bank ( USA ), N.A. 
Category : Bank account or service XXXX  or money transfer issue Date of Incident XXXX XXXX XXXX XXXX  Amount Involved : {$1500.00} ( {$500.00} + {$1000.00} ) Complaint Details : On XXXX XXXX XXXX, I received two XXXX transactionsone for {$500.00} and another for $ 1,000from two different individuals into my Capital One account ( ending in 0598 ). Both senders confirmed that their transactions were successfully sent, yet Capital One has placed the funds under review, and they remain unavailable to me. The transaction status still shows as pending and not yet delivered, even though these are legitimate transfers. 

I urgently need access to these funds, yet Capital One refuses to release them immediately, stating that the review process could take 1-3 business days. I was not informed in advance that XXXX transactions would be held up in such a manner, nor has Capital One provided a specific reason for this delay. 

This delay is causing me significant financial hardship, as I rely on these funds for urgent expenses. Capital Ones handling of XXXX transactions appears to be an unfair banking practice that restricts timely access to customer funds without clear justification. If Capital One is unable to process XXXX transfers efficiently, they should not advertise or offer this service to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( XXXX  ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-28 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: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off reported on my credit file, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have previously disputed the accuracy of this account, yet a proper investigation has not been conducted as required by law. Due to this continued negligence, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate further if necessary. 

The account in question is falsely reported as a charge-off in XX/XX/XXXX, when in reality, the charge-off occurred in XX/XX/XXXX. This is a direct violation of FCRA 1681e ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy in consumer credit files. Furthermore, this re-aging of the account violates 15 U.S.C. 1681c ( a ) ( 4 ), which states that a charge-off may only be reported for XXXX years and XXXX  days from the date of first delinquencynot a later date fabricated to mislead lenders and harm my creditworthiness. 

Additionally, a charged-off account can not legally continue to report a balance because, under GAAP ( Generally Accepted Accounting Principles ) and federal regulations, once a creditor charges off an account, they remove it from their books as a receivable. A charge-off signifies that the creditor has written off the debt as a loss, meaning the outstanding balance should be XXXX on my credit report. Reporting a balance on a charged-off account is inaccurate, misleading, and a violation of FCRA 1681s-2 ( b ), which requires furnishers of information to report accurately and correct any errors upon dispute.

Furthermore, this inaccurate reporting may constitute unfair and deceptive practices under 15 U.S.C. 45 ( Federal Trade Commission Act ), as it misrepresents my credit history and causes financial harm. The act of knowingly misreporting data and failing to correct errors upon dispute also violates 12 U.S.C. 5531 and 5536
( Dodd-Frank Act ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in consumer financial transactions.

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 2025-02-28 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: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off reported on my credit file, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have previously disputed the accuracy of this account, yet a proper investigation has not been conducted as required by law. Due to this continued negligence, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate further if necessary. 

The account in question is falsely reported as a charge-off in XX/XX/XXXX, when in reality, the charge-off occurred in XX/XX/XXXX. This is a direct violation of FCRA 1681e ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy in consumer credit files. Furthermore, this re-aging of the account violates 15 U.S.C. 1681c ( a ) ( 4 ), which states that a charge-off may only be reported for XXXX years and XXXX  days from the date of first delinquencynot a later date fabricated to mislead lenders and harm my creditworthiness. 

Additionally, a charged-off account can not legally continue to report a balance because, under GAAP ( Generally Accepted Accounting Principles ) and federal regulations, once a creditor charges off an account, they remove it from their books as a receivable. A charge-off signifies that the creditor has written off the debt as a loss, meaning the outstanding balance should be XXXX on my credit report. Reporting a balance on a charged-off account is inaccurate, misleading, and a violation of FCRA 1681s-2 ( b ), which requires furnishers of information to report accurately and correct any errors upon dispute.

Furthermore, this inaccurate reporting may constitute unfair and deceptive practices under 15 U.S.C. 45 ( Federal Trade Commission Act ), as it misrepresents my credit history and causes financial harm. The act of knowingly misreporting data and failing to correct errors upon dispute also violates 12 U.S.C. 5531 and 5536
( Dodd-Frank Act ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in consumer financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ

Complaint narrative:
After a payment not going through online on XXXX, SunWest Mortgage Company cut off my ability to pay online and put a phone number to call on how to make a payment. They never told me that I would not be able to make a payment online or over the phone. When I called on XXXX they informed me I could not pay and would have to mail a certified check. They did not inform me of how to make a payment before that making my Mortgage go into default on the shortest month of the year without proper time to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I am in the process of buying a home. When my loan officer pulled my credit report, a XXXXXXXX XXXX card belonging to my ex-husband is appearing on my Equifax account as a defaulted and settled credit card, messing up my debt to income ratio, therefor effecting my loan approval. My loan officer reached out to my ex husband who then in turn, contacted XXXX customer service. They stated they would send a letter, with a reference number, proving that the debt was not mine. This was on XX/XX/XXXX. As of yesterday, XX/XX/XXXX, my ex husband had not received the letter. He called again and another customer service rep revealed the letter was never sent and that they would not relay the information over phone, email or fax. This has severely altered my home buying process which could in fact leave me homeless and they do not care and have to my knowledge, not sent any documentation proving the letter is sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, these inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Loan XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  I had to take out loans to pay 2-month past due mortgage payment. I paid the amount due myself and then Rocket Mortgage additionally erroneously took out the same amount resulting in a debit to my checking account around XXXX XXXX, XXXX. This was resolved. 

Today, XXXX XXXX, XXXX, Rocket Mortgage initiated an erroneous debit from my checking account for {$4000.00}, resulting in insufficient funds of {$3400.00}. I do not have auto-pay. I called Rocket twice and XXXX  XXXX XXXX twice. XXXX told me only Rocket could fix. Rockets then told me they couldn't immediately fix, it would take 24 hours, and that a higher level service manager would take 3 business days to call me back.

I am without any money whatsoever, no money for food for my family, gas for my car or emergencies. I have no way to borrow any money from friends, family or work. I need someone to help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), it is illegal for any company to pull or access my credit report without my explicit consent. The presence of this unauthorized inquiry on my credit report not only violates my rights but also negatively impacts my credit score. I expect the credit bureaus to uphold their legal responsibility to ensure that only authorized and legitimate inquiries appear on my report. This entry is a direct violation of that responsibility and needs to be corrected immediately.

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 2025-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I recieved an email from my PAYPAL account stating I had just made 6 purchases for {$25.00} each to XXXXXXXX XXXX. This happened as I was driving to work from my home. My drive to work takes about 1.5 hrs and it was impossible for me to do so while driving. I contacted PAYPAL about this as soon as I arrived and was told to contact them the following day during business hours. I did that and was able to make a case with them about the 6 different transactions for {$25.00} each totaling {$150.00} that was taken from my account. I was assured any money would be returned and that I should wait for the investigation results. After a few days I got an email saying that they determined I had made those purchases. I contacted PAYPAL again to let them know that It was not me and they should try to find out from where those purchases was made from since it was not me. Again the case was denied and I had to reopen the case. It was done 4 times but they keep saying it is consistent with my purchases and that I had to be the one who did it. I am trying to resolve this but they are not helping me and also they told me they would send me a new card and they haven't done so yet. I would like for them to find out where those purchases was made and return my hard earned funds. THank you in advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I moved from my apartment complex around the end of 2023, and was charged for non returned device. Original amount was {$610.00} and was then reduced toa balance of {$430.00} because they were trying to charge me for additional equipment that I never owned and disputed the original amount. I left my devices in my apartment complex since there was an on site representative for any concerns we had with our service. Im not sure what happened but the device was lost and reported not returned. Finding this out I agreed to pay for the lost device but now I have a negative report on my credit. I dont think that is fair as I accepted responsibility and agreed to pay for the devices. I have receipts of payment and account numbers. I just dont want this to affect my credit anymore and would like it to be removed. They completed their investigation but did not remove the remark from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-02-28 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than XXXX  days have elapsed since I submitted my complaint.

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 2025-02-28 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: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than XXXX  days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: OR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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