vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I am filing this complaint against the following debt collectors for failing to provide proper validation of the debts they are attempting to collect, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent debt validation requests to the companies listed below, requesting proof that these debts are valid and belong to me. To date, I have received no response, nor any validation of these debts, yet they remain on my credit reports. The debts in question are : Waypoint Resource Group LLC Opened XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX {$890.00} XXXX  Opened XX/XX/XXXX {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MO

Complaint narrative:
I disputed th must it my credit card and bank as soon as I saw it on my card. I sent a copy of the charge. They refunded the amount to my card. They said they had to allow the merchant t ruling 30 days but the merchant didnt and they charged it back to my card again regardless if the merchant contacted them. I filed another dispute amd they refunded the money back to my account amd then a few weeks later said the merchant still had not replied t the request amd they added it back to my card account. I had the Bank manager where I bank call the Credit Card Company amd the Merchant and she talked to my Credit Card Company who she works for amd they credited my Credit card the money again then on XX/XX/XXXX they sent me a letter stating the credit card company said that I had not file a complaint in the requires 60 days complaint time and they could not help me. All my bank statements prove I filed XXXX disputes from XX/XX/year> through XXXX XXXX. The first dispute was filed in XX/XX/year> less than 30 days from the original charge.

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 2025-02-20 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:
After reviewing my consumer reports, I noticed inaccurate late payment records on an account where I have always made timely payments. I have enclosed the inaccuracies in red in the attached file. Since consumer reporting agencies are responsible for maintaining accurate records, it is essential that my report reflects only verified and correct information. I have never missed a payment on the following account : XXXX, XXXX. Therefore, I request a detailed review of these discrepancies and ask that you provide documented proof, such as billing statements, to support the reported alleged late payments. If no such evidence exists, I insist that these records be updated immediately to reflect my consistent on-time payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around midnight this morning ( XX/XX/year> ), I zelled myself {$1200.00} from my XXXX XXXX XXXX account into Truist Bank to pay down a loan. I created the XXXX profile for Truist this morning switching it from another bank that I usually use. Anyways, I added my Truist bank information to the lender website and verified it, then saw that the lender for whatever reason was not accepting my payment via Truist ( the option to pay the lender on Truist was grayed out ). So I zelled the money back to my XXXX XXXX  account to pay my bill from the other account I usually use to pay my debt. I tried to log into my Truist account and i am blocked from even logging in and was then told that my account was locked for fraud. They did not send any other notifications about fraud, if this was true fraud I wouldnt even know until it was too late. Luckily, it is not fraud. I called Truist XXXX times after finding out they locked my account and heard different answers each time. XXXX person said I have to go into the branch and verify myself, another said that they are closing my account. I have bills to pay and Truist is refusing to refund my {$500.00} that will be direct deposited on XX/XX/year> by XXXX XXXX. I do not feel protected as a consumer. Truist is trying to steal my hard earned money because of a {$1200.00} bill payment I was trying to make and they have wrongfully closed my account and are refusing to give me my money thus harming me as a consumer.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-20 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: CA

Complaint narrative:
I am listing 3 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove 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 2025-02-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
On XX/XX/XXXX, I paid the balance of {$43.00} that was due from XXXX XXXX XXXX. I even retook a loan out and have made my payments on time as of XX/XX/XXXX. I disputed the information on my credit on XXXX however all three credit companies said it was valid and did not remove off my credit. The balance of {$43.00} was not written off and has been paid. It should be removed 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 explanation
Consumer complaint received 2025-02-20 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: VA

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NJ

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  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to express my concern regarding the improper use of my credit information associated with my account I have recently reviewed my credit report and noticed several discrepancies that I believe constitute improper reporting. Specifically, I found inaccuracies such as, e.g., incorrect account balances, late payments that were actually on time, or accounts that do not belong to me ]. These inaccuracies are affecting my credit score and my ability to secure loans or credit, which is concerning.

Additionally, I am concerned that my information may have been accessed without my authorization. I would like to understand how my information was used and whether it was shared with any unauthorized third parties. 

I kindly request that you conduct a thorough investigation into these matters and provide me with an update on the status of my credit report. Furthermore, if any unauthorized access or use of my information is confirmed, I would appreciate details on how you plan to address this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
As a XXXX trafficking victim I am requesting to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have contacted Experian, XXXX, and XXXX who have not accepted my documents as proof of XXXX trafficking. I am required to provide documentation such as :. I XXXX, XXXX, or Tribal governmental entity that confirms a consumer is a victim of trafficking. 
ii. Non-governmental organizations ( XXXX ) authorized by a XXXX, XXXX, or Tribal governmental entity may also make such a determination.

b. What must the Victim Determination include?

i. Must confirm that you are a victim of trafficking as determined by court documents. Without court documents, the Victim Determination can also be a signed statement by you, attesting that you are a victim of trafficking, so long as the statement is signed by a Federal, State, or Tribal governmental entity, or a XXXX authorized by a Federal, State, or Tribal governmental entity. 

I have provided documentation from the XXXX of the XXXX of California confirming my participation in the " XXXX at XXXX XXXX '' who protects victims of XXXX trafficking from their abusers by providing an address so they can not be found. This is documentation provided to me to show all agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : Response to Equifax 's Reply CFPB Complaint # XXXX To Whom It May Concern, I am writing to formally respond to Equifax 's reply to my CFPB complaint regarding the incorrect information on my credit report. Equifax 's response fails to address the core issues presented in my complaint and instead attempts to delay resolution by requesting identity verification, despite the fact that my original complaint already contained sufficient identifying information. 

Key Issues Not Addressed by Equifax : Failure to Investigate and Remove Impermissible Late Payments As stated in my complaint, the reported late payments violate the Fair Credit Reporting Act ( FCRA ) because such transaction-based information is not permissible under federal consumer protection laws. 
Equifax has not provided any justification for the continued reporting of this inaccurate information nor confirmed whether they have conducted an investigation as required under 15 U.S.C. 1681i.

Unauthorized Bankruptcy Reporting I provided a letter from the bankruptcy court confirming that they do not report any information to third parties, proving that any bankruptcy data appearing on my credit report is unauthorized and inaccurate.

Equifax has not explained why this unauthorized information remains on my report, nor have they confirmed whether they have taken steps to remove it.

Failure to Acknowledge Secured Party Status and UCC Protections My complaint clearly establishes my secured party status under UCC1 filing number XXXX, yet Equifax 's response does not address my legal standing in relation to my credit file. 
Formal Demands for Resolution : Given Equifaxs failure to provide a substantive response, I demand the following actions be taken immediately : Remove all impermissible late payment data from my credit report.

Delete any and all bankruptcy-related reporting that was placed without authorization.

Provide written confirmation that the above actions have been taken and include a copy of my updated credit report reflecting these corrections.

Response Deadline and Next Steps Equifaxs failure to properly address my complaint and their attempt to delay resolution through unnecessary identity verification requests constitutes non-compliance with FCRA obligations. If Equifax does not take corrective action within 15 days, I will escalate this matter to the CFPB for further enforcement action, including possible legal recourse. 

I expect a prompt and thorough resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had Capital One Silver Quick quite few years. In XX/XX/XXXX by email they offered me up grade the card. I thought its good and I took an offer. 
On XXXX statement I had cash reward balance of {$670.00}. 
In XX/XX/XXXX statement says we are no provide your Reward Summary In XX/XX/XXXX statement reward balance XXXX. 
So I called Capital One on XX/XX/XXXX talk to XXXX and I requested to change my card back to original Silver Quick get my cash value reward back. XXXX said he can not do it. So I requested to talk to supervisor. Supervisor gave me case # XXXX to charge back card. 
XX/XX/XXXX Capital One XXXX called me said they will not do that.So requested to send me in writing what contract I have with Capital One. She refused my request. 
Now I have mile of XXXX which cash value of {$340.00} They use teaser word of up grade and tricked me. As a result I lost cash value of {$310.00}. I want my cash back of {$670.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief