vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I DID NOT RECOGNIZE. ON XX/XX/year> I SENT VIA CERTIFIED MAIL WITH RETURN RECEIPT, A LETTER TO VERIFY THE DEBT WITH A COPY OF THE PURCHASE AGREEMENT, ORIGINAL AGREEMENT AND PROOF THAT THEY ARE AUTHORIZED TO COLLECT THE DEBT. THIS LETTER WAS DELIVERED TO THE COMPANY ON XX/XX/year> AT XXXX. THE LETTER WENT UNANSWERED NOW FOR 10 MONTHS. THE COPANY ALSO CONTINUES TO CALL AND HARASS ME, EVEN AFTER BEING TOLD NOT TO CALL DURING MY WORK HOURS, THEY CONTINUE TO CALL WHILE I AM WORKING. I HAVE REQUESTED VIA CALL WITH THE COMPANY ON MULTIPLE OCCASIONS FOR THEM TO PROVIDE ME WITH THE REQUESTED VERIFICATION AND TO CEASE ALL ACTIONS UNTIL THEY SEND THE VALIDATION THAT WAS REQUESTED. THIS REQUEST HAS GONE UNANSWERED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Thank you XXXX XXXX XXXX with the dispute with XXXX Bank and XXXX XXXX. Several days after my email to you I was contacted by someone on the corporate level saying how sorry XXXX were and would fix it immediately. They did within XXXX weeks, correcting all the information and clearing it all up. I even got a check from them for the amount ( {$1400.00}, which I am afraid to cash, never contacting them ), My PROBLEM now is TRANSUNION, whom I sent the same documentation and the resolution, will not give me back my old XXXX XXXX ( XXXX ). They lowered it to XXXX and has inched up to XXXX. When applying for a loan was told my present score of XXXX was low and I would have to pay a higher interest rate for repayment of the loan. That actually Transunion presents to me XXXX, but the XXXX XXXX 's score they use is XXXX making a higher interest rate to me. When I asked, of course if I had the old score I would have a lower interest rate. 
Can you help me get my old interest rate back. It was caused by no fault of my own. 
Transunion and their partner agencies have faulted me. And can you give that information to XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Today XX/XX/XXXX, I received an email from Huntington bank at XXXXXXXX XXXX stating my account was suspended. No reason just that it was suspended. I can not log into my account to handle bill pay transactions nor is anyone available to help with this as the email came in after bank hours. No phone call to explain this, just an email. This has happened once before in XXXX of XXXX. I had to obtain legal counsel for that. I really want to avoid going the court route this time. I feel Huntington is targeting me due to the fact this keeps happening. I want help gaining access to my account and will close it out for good. 
I feel I am being targeted because I worked for XXXXXXXX XXXX which was purchased by Huntington where I had lost my job after the takeover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Equifax, Subject : Formal Dispute and Notice of FCRA Violations To Whom It May Concern : I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report.

These accounts were previously disputed and subsequently removed due to their fraudulent nature. Their reinstatement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information. 
The credit bureau notifies the consumer within XXXX business days of the reinsertion. 
As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts. 
Request for XXXX XXXX I request the following actions be taken within 5 days of receipt of this letter : 1. Removal of the fraudulent accounts from my credit report.

2. Provision of all documentation used to verify the accounts accuracy and legitimacy during the reinsertion process.

3. A formal response acknowledging your compliance with this dispute. 
Notification of Escalation If the above actions are not completed within the required time frame, I reserve the right to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 
Pursue legal action under FCRA Sections 616 and 617 for willful or negligent noncompliance, seeking statutory and actual damages of {$1000.00} per violation, as well as attorneys fees. 
This dispute pertains to the unlawful reinsertion of previously removed information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: 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 553 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Im writing to inform you I had issues sending and receiving money transfers numerous times on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
There are errors in the way some accounts are listed on my credit report, and this has caused an unnecessary drop in my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I keep sending my split payments and Newrez keeps misapplying one of the payments and as what I assume is labled " principle only ''. This is causing my account show passed due and causes a late fee to be applied. Newrez has been doing this since they took over my account back in XX/XX/year>. I have been complaining about this since XX/XX/XXXX and just about every month I have to put together my payment history showing when Newrez received my payments and showing where I believe how the payment was misapplyed. I have used my bank account info as well as the using data they provided on their website to show when I made the payments and when they received it as well as how they applied the payments. I have come to CFPB to file my current and future complaints so that the government has a record of this on going issue. I should not have to do this every month for an issue Newrez has with the way they operate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I was honestly shocked to find out that my credit report was misusedsomeone applied for things in my name, and these companies pulled my report without my permission. I dont recognize any of these inquiries and definitely didnt approve them. Im completely stunned and upset that this has happened, especially since its a clear violation of my rights as a consumer. It feels really insulting, especially as someone who follows the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
These accounts should not be furnished on my report because they are in violation. Under 15 U.s. Code 1681b- Permissible Purposes Of consumer reports ( a ) In General subject to subsection ( c ) Any consumer reporting agency may furnish consumer report under the following circumstances and no one never gave any consumer reporting agency any written consent to report anything on my consumer report which it violates my rights as a federal protected consumer. No consent is identity theft!! As a consumer I am demanding the deletion of the accounts listed below be removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
These accounts should not be furnished on my report because they are in violation. Under 15 U.s. Code 1681b- Permissible Purposes Of consumer reports ( a ) In General subject to subsection ( c ) Any consumer reporting agency may furnish consumer report under the following circumstances and no one never gave any consumer reporting agency any written consent to report anything on my consumer report which it violates my rights as a federal protected consumer. No consent is identity theft!! As a consumer I am demanding the deletion of the accounts listed below be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: SC

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. I have listed the reported accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
Closed my account and my account is negative {$10.00}. Told me it was suspicious activity. I requested a investigation and they said they couldn't tell me why they closed my account or why I owe the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
I am writing to formally demand immediate corrective action regarding the handling of my credit report following the XXXX  XXXX data breach. As you are aware, this breach exposed sensitive personal information, including Social Security numbers, birthdates, and addresses, making me vulnerable to fraudulent activity. 
In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit report. This includes accounts, inquiries, or any other data related to the breach. The FCRA explicitly mandates that this information be blocked promptly, and I expect your compliance with this requirement without delay. 
The breach has directly exposed my personal information to unauthorized individuals, significantly increasing the risk of identity theft. Under the law, you are obligated to ensure that any information resulting from this breach is thoroughly reviewed and permanently removed from my credit report. I request that you take all necessary steps to investigate and address this matter immediately. 
I require written confirmation that all fraudulent entries have been identified, blocked, and removed, as well as a detailed explanation of the actions taken to resolve this issue. Please understand that timely action on your part is critical to protecting my financial well-being. 
Failure to promptly address this matter may leave me with no option but to escalate my concerns to the Federal Trade Commission ( FTC ) and explore additional legal remedies under the FCRA. I trust that you will treat this matter with the urgency and seriousness it demands and look forward to your prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
I am writing to formally demand immediate corrective action regarding the handling of my credit report following the 2017 Equifax data breach. As you are aware, this breach exposed sensitive personal information, including Social Security numbers, birthdates, and addresses, making me vulnerable to fraudulent activity. 
In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit report. This includes accounts, inquiries, or any other data related to the breach. The FCRA explicitly mandates that this information be blocked promptly, and I expect your compliance with this requirement without delay.

The breach has directly exposed my personal information to unauthorized individuals, significantly increasing the risk of identity theft. Under the law, you are obligated to ensure that any information resulting from this breach is thoroughly reviewed and permanently removed from my credit report. I request that you take all necessary steps to investigate and address this matter immediately.

I require written confirmation that all fraudulent entries have been identified, blocked, and removed, as well as a detailed explanation of the actions taken to resolve this issue. Please understand that timely action on your part is critical to protecting my financial well-being.

Failure to promptly address this matter may leave me with no option but to escalate my concerns to the Federal Trade Commission ( FTC ) and explore additional legal remedies under the FCRA. I trust that you will treat this matter with the urgency and seriousness it demands and look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 553 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief