vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: Dave Operating, LLC
State: CO

Complaint narrative:
XX/XX/XXXX I received my Social Security direct deposit into my Dave account ending in XXXX the next day XX/XX/XXXX at around XXXX oclock I had gotten an email from their support email saying that there was suspicious activity in my account and there was going to be a temporary limit on what I can do While they investigated 45 minutes later there was another email saying that they were closing my account with my funds in it for good, and I was not eligible to be able to reinstate my account either, and they did not have to provide me any explanation as to why, and they were not responsible as to the amount ofany funds that were returned to me by check. I have been asking when they are sending me my money and why they just decided to do this to me after two years. All I did was transfer half of my check into my external bank account which I always do and then I come to find out on XX/XX/XXXX. My direct deposit for my child support sent from the family support registry was disbursed to my direct deposit account on file which is the Dave account ending in XXXX had accepted that incoming direct deposit on XX/XX/scrub> 2025. I have a trace ID, and disbursement history statements from government agencies, so why is a closed account still excepting incoming direct deposits??? This is fraud and I can not get a hold of anybody from Dave except for via email every for a few days but its never anything helpful to what Im asking all in all I am out {$1400.00} my entire months income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery opened a account XX/XX/year> in the amount of {$1300.00} I do not know how this is and have never done business with them. They are listing themselves as the original creditor on a account i have zero knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY TH

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 2025-02-06 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:
I received a bunch of inquiries that were not authorized by me in XXXX of XXXX  and I sent a dispute in and Equaifax, transunion and Experian removed half of them but the other half are still reporting on my report. They need to be removed.

Ive included the letter that was sent to the credit reporting agencies as well as the credit report showing the inquiries.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY TH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY TH

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had both of my credit card accounts closed due to returned payments on XX/XX/XXXX from a bank account I had closed. I added my new bank account and made payments on XX/XX/XXXX, called them and was told that there is no problem on the account. As of XX/XX/XXXX both accounts are now closed and I was informed that it was because of the returned payments. I asked why I was not notified of this closure when I called on XX/XX/XXXX and how this was a reasonable closure based on the payments posted 6 days after the return. I was told there was nothing that could be done to change the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
I am requesting the deletion of the debt reported by XXXX XXXX XXXX from my credit report due to a significant error. The amount reported was {$43000.00}, while the actual amount owed was only {$26000.00}. This incorrect reporting has been on my credit report for over a year, causing numerous denials and severe distress. The false reporting has greatly impacted my financial opportunities and creditworthiness. I respectfully request that this error be corrected by deleting the inaccurate entry from my credit report completely. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
I am requesting the deletion of the debt reported by XXXX XXXX XXXX from my credit report due to a significant error. The amount reported was {$43000.00}, while the actual amount owed was only {$26000.00}. This incorrect reporting has been on my credit report for over a year, causing numerous denials and severe distress. The false reporting has greatly impacted my financial opportunities and creditworthiness. I respectfully request that this error be corrected by deleting the inaccurate entry from my credit report completely. 

Thank you for your prompt attention to 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 2025-02-06 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: IL

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 ( 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 following accounts XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
The XXXX account that appears on my TransUnion credit report was already deleted from my XXXX and XXXX credit reports after filing a dispute. However, it is still being reported by TransUnion who previously refused to delete the SAME ACCOUNT from my credit report. TransUnion is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for TransUnion to permanently delete XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$25000.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I initially disputed this debt back in XX/XX/XXXX via phone call. I have not heard of the status of the dispute since then.

I contacted Hunter Warfield on XX/XX/XXXX XXXX XXXX via email, regarding the following information in the debt : Proof of the amount owed and the name of the original creditor.

Documentation or a copy of the original agreement, contract, or invoice that confirms I am responsible for this debt. 

A detailed breakdown of any interest, fees, or charges that have been added to the original amount as well as an itemized breakdown of the debt. 

Written documentation of the current status of dispute with dates included of this case for my records. 

An update on the status of my dispute and any additional steps required on my end. 

They have not provided any information on the above. Ive request the information multiple times and their response was the following : We need additional time to obtain the required documentation. As soon as we have the documentation on hand, we will promptly forward to your attention. Therefore we have suspended collection activity and Credit reporting while we complete our investigation. 

Please advise them i do not owe anything. And advise me on how to proceed. 

I attached below the emails exchanged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I have identified discrepancies and hard inquires which are not accepted or approved by me, that need to be corrected immediately. 
Details of Disputed Inquiries : XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX. XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XXXX XX/XX/year> EQUIFAX XXXX. XX/XX/year> EQUIFAX XXXX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
THIS IS NOT MY ACCOUNT, I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX '' XXXX XXXX XXXX DISCHARGE XXXXXXXX XXXX XXXX XXXX DISMISSED XXXX XXXX XXXX XXXX DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
THIS IS NOT MY ACCOUNT, I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX '' XXXX XXXX XXXX DISCHARGE XXXXXXXX XXXX XXXX XXXX DISMISSED XXXX XXXX XXXX XXXX DISCHARGED 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 2025-02-06 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: LA

Complaint narrative:
XXXX  XXXX account attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : XXXX XXXXXXXX : XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Just received a phone call supposedly from Chase stating that someone opened a credit card and made a purchase of XXXX dollars in my name. I do not use chase never have and never will. They told me that my social was used in three different states, Florida, North Carolina and California. The guy on the XXXX asked me for the other XXXX I had and told me I am protected. So am I protected most of my accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Inaccurate debt not showing on credit report but inaccurately verified by experian to unauthorized 3rd party screening company XXXX  on report furnished XX/XX/XXXX Experian previously removed debt from credit file as unable to verify accuracy, however, inaccurately verified same debt for 3rd party vendor as accurate per report number XXXX. Debt with XXXX XXXX is invalid, and inaccurate. 

FCRA XXXX U.S.C Sections XXXX imposes responsibilities on all persons who furnish information to consumer reporting agencies. 
Section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) also prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

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 2025-02-06 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: CA

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 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 2025-02-06 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: AL

Complaint narrative:
I filed a dispute with Experian regarding several unauthorized hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to complete its investigation and respond within 30 days. However, my dispute has exceeded this timeframe, and I have not received a resolution. 

Details of Disputed Inquiries : XXXX XXXX Inquiry Date : XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX I have followed up with Experian multiple times and have not received an update regarding the status of my dispute. This delay is negatively impacting my credit profile and my ability to apply for financial opportunities. I am requesting CFPBs assistance in ensuring that Experian complies with FCRA regulations and completes my dispute investigation in a timely manner.

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 2025-02-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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