vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Capital One regarding their repeated and unjustified closure of my credit card accounts. Over time, Capital One has closed three of my credit cards without warning, despite my consistent efforts to make payments as required.

Each time, I made all my minimum payments until the account was closed, at which point I paid off the remaining balance. Most recently, Capital One closed another one of my accounts without notice. I suspect this was due to a payment issue that occurred because of a delay on their end in processing my initial payment. By the time they attempted to collect, the funds were no longer available. However, I immediately submitted another payment using my debit card, which went through without issue. Shortly after, they closed my account.

This pattern of behavior by Capital One appears predatory. They continue to approve me for credit cards only to close them unexpectedly, even when I am making responsible payments. This negatively impacts my credit score and overall financial stability.

I request that the CFPB investigate Capital Ones practices and provide clarity on whether their actions violate consumer protection laws. Additionally, I would like to understand why my accounts were closed and if any corrective action can be taken.

Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to 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 2025-03-13 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: MS

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OK

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education. He does not have proper authorization. This quarter of the year XXXX has been aggressively going through many departments and breaching contracts like my own. The Family Educational Rights and Privacy Act states that student records are kept private without the students permission. XXXX has accessed this information and this is considered a breach of privacy and also a failure to adhere to the agreed terms written in the contract like the nondisclosure clauses. All of my information was accessed under false pretenses by this administration ( DOGE ) without clear authorization, which is a breach of trust. This has been stressing me out and emotionally harming me and causing me distress mentally and .physically with all of my work hours and lack of sleep from the stress. Is that a solid enough claim for IIED? Did they disregard my own well-being? The Higher Education Act, the FISMA, and the Privacy Act of 1974 were all potentially or were hindered!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian refused to investigate your dispute, claiming that the request did not appear to be sent by you or authorized by you. Despite receiving your dispute, they took no action based on this assumption. This violates 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a credit reporting agency to investigate disputes if a consumer directly notifies them of inaccurate information. Their failure to investigate after receiving certified mail and proper documentation constitutes non-compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours, stating that 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. Here are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Accounts reporting closed paid off but I am receiving calls still asking to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Accounts reporting closed paid off but I am receiving calls still asking to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a XXXX from Block Inc. f/k/a Square Inc. which owns CashApp ( CashApp is listed as the XXXX ). It states I received {$7800.00} through them over 360 transactions, all in the month of XX/XX/XXXX. The merchant category code is 7929, which pertains to Bands, Orchestras, and Miscellaneous Entertainers ( not elsewhere classified ) -- certainly not me! 

I have never had a CashApp account. I am a victim of fraud. Apparently, someone opened an account using my name, my former address, and my SS #. I tried to get into the account but it seems that my email was not used when it was set it up. 

On XX/XX/XXXX, I called the CashApp helpline and reported my issue. They couldn't/would n't help me locate the account and/or shut it down. I asked for a NEW 1099-k that says XXXX because I never received ANY money from CashApp. The help line person said they send me an email. 

On XX/XX/XXXX, I responded to the company 's email request ( XXXX at XXXX ) for additional details and materials, which I delivered. They have yet to respond and let me know where the case is or what the process for fixing it is, or what the chances of receiving a new XXXX are. I'm worried I'm going to have problems with the IRS. A quick perusal of the internet shows that I am not alone in this particular fraud. There are many victims reporting the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My escrow for my property taxes had increased over {$750.00} per month because Shellpoint Mortgage continues to tax me at 6 % instead of 4 % which my county approved because this is my primary residence. I've called SEVERAL times and they continue to give me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On the night of XX/XX/year>, {$8700.00} was stolen from my savings account. My apple wallet was accessed, money was then moved from my Apple Savings Account ( Goldman Sachs ) to my Apple Cash account ( XXXXXXXX XXXX  ). The money was then withdrawn ( unauthorized ) from my Apple Cash acount into an unknow account. That very same night, another fraud was attemped on my Apple Credit Card. There were two attemps, both for {$4100.00} but luckily those were denied ( screenshot attached ). I've submitted two disputes to Goldman Sachs and two disputes to XXXX bank. Both disputes from Goldman have been denied, one dispute from XXXX has been denied and I just submitted an appeal and waiting to hear back. Goldman Sachs said " we acknowledge unauthorized activity on your account but fund were moved to Apple Cash in your name ''. So they admit my account was subject to unauthorized activity. My house was robbed not too long ago ( file attached ) so I think that's how they gained access to my apple products and also my router information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights 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 non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
I already disputed the account XXXX XXXX XXXX ( XXXX ) multiple times, requesting that the inaccurate late payments be corrected. XXXX and XXXX promptly xed the errors, but TransUnion failed to take appropriate action. Their failure to correct this error violates multiple provisions of the FCRA and constitutes willful noncompliance under federal law. TransUnion is reporting my payment status correctly as 'Paid or paying as agreed, ' yet at the same time, they are still reporting incorrect late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in my payment history. This contradiction makes no senseif my account is marked as " Paid or Paying as Agreed, '' then why are late payments still showing? Their reporting is inconsistent, and this is severely damaging my credit score. These errors must be corrected immediately. The failure to correct this information violates 15 U.S.C. 1681e ( b ), which requires TransUnion to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, 15 U.S.C. 1681b ( 2 ) clearly states that a consumer report may only be furnished in accordance with the written instructions of the consumer. I never provided written authorization for this inaccurate information to be reported, making your continued failure to remove it a violation of federal law. Because of this false reporting, I have faced nancial diculties and obstacles in obtaining necessary approvals. This has caused both nancial and emotional distress, and I hold TransUnion fully responsible for the consequences of their negligence. Under 15 U.S.C. 1681n, willful violations of the FCRA allow for damages of at least {$1000.00} per violation, with the potential for signicantly higher claims if actual damages are proven. I am demanding that TransUnion immediately FIX OR REMOVE the erroneous late payments in my payment history to match the correct payment status already reported by their agency itself, as well as XXXX and XXXX, ensuring that my account is accurately reected as Paid as Agreed. I also demand that they provide me with : written conrmation that the incorrect information has been removed or corrected, an updated copy of my corrected credit report, and assurance that this inaccurate reporting will not reappear in my le.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: UT

Complaint narrative:
XXXX shows a fico 8 score, not sure exactly what the includes however I used this score as a general idea of what I understand to be my score when applying for a loan. I come to find out that Experian when a hard credit was pulled provided them with another FICO that is not reflective of what is provided on their site. Experian then tells me they cant provide me with what they sent for that hard inquiry and that they cant tell me what those other FICO sub scores are. Now I am in the process and have already had my score pulled, resulting in a lower score as a result. The score provided to the institution XXXX XXXX XXXX didnt tell me what FICO on Experian was pulled but it was from FICO and is 100 pts less than what is displayed on Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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