vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Dictation on. There is a severe problem the CAPITAL ONE financial they report incorrect information to credit bureau for the last two years. For example, yesterday ( XX/XX/XXXX ) I reported {$420.00} and {$420.00} as incorrect charges for XXXX car rental on XX/XX/XXXX my credit card states that I was given XXXX different different CAR RENTALS on XX/XX/XXXX. 

Today XX/XX/XXXX, I reported a charge for {$78.00} from XXXX again XXXX XXXX XXXX and I had no XXXX car rental. I also reported XX/XX/XXXX XXXX XXXX charge for {$360.00}. The fourth person on the phone at CAPITAL ONE stated all three of the reports from XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ( Duplicate charge, I believe before my health ins was used because XX/XX/XXXX charge of {$5.00} is correct, as I physically gave them my card, and have {$5.00} receipt ). That XXXX person said these complaints and charges were already reported. Maybe to the first XXXX people, but that was my first complaint of those XXXX charges. I'm XXXX and take notes of every complaint and keep receipts, etc. Capital One has made false reports to THE 3 CREDIT REPORTING AGENCIES. MY copmplaint of {$130.00} from XXXX was from XX/XX/XXXX. XXXX was notified I was being double billed. I can not force a {$130.00} refund, but it needs to be credited back to that XXXX date and interest and late charges removed. Every month ( except XXXX ) my bill is paid in full. They do not post credits when due. They posted a {$100.00} credit for a {$100.00} hold fee of {$100.00} which was to be held until checkout fot ESA HOTEL ON XX/XX/XXXX for months ... .. it still has not been credited. The list goes on. My wallet was stolen XXXX while my truck and RV were demolished in a freak windstorm and my RV flipped over 3 times the officer said and it caused mt truck and me to flip over. During hospital recovery ( in XXXXXXXX XXXX  ) my things were looted at XXXXXXXX XXXXXXXX XXXX XXXX XXXX My drivers license, a passport, a document of ownership of my XXXX XXXX a generator was all stolen. Capital One also has delayed posting {$41000.00} from XXXX XXXX by EFT from XXXX XXXX till now even though XXXX way phone call XXXXXXXX XXXX agreed to pay the transfer as {$68000.00} is inn that bank account. I'm XXXX and consider this ELDER CRIME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 this complaint against Equifax, Experian, Transunion failing to properly investigate my disputes regarding inaccuracies in my credit report, Equifax, Experian, Transunion consistently responds within a couple days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates FCRA 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian, Transunion actions may also contravene the Consumer Financial Protection Act CFPA 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding against them for similar violations. I request the CFPB take action to ensure Equifax, Experian, Transunion complies with federal law and provides consumers with necessary proof of investigation.

I recently submitted the same disputes for the same account several times the account always come back as verified within 24 hrs most of the time without explanation of why it was verified. 
Account name is XXXX XXXX. Account should be deleted immediately due to improper investigations on this account and violations to the FCRA LAWS and I should receive proper compensation for it as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
I recently received a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts as soon as possible because they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-15 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: MI

Complaint narrative:
Im disputing XXXX XXXX XXXX XXXX account # XXXX. On all 3 credit bureaus are reporting dispute accurate and Ive been telling them that XXXX XXXX wasnt reporting to them correctly. 
All 3 credit bureaus are reporting all different things. I have underlined everything on each picture of why the account is NOT accurate. You did not do a full investigation. I have sent all 3 credit bureaus this same message.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Urgent Complaint Missing XXXX Payment of {$900.00} I am reaching out regarding a missing XXXX payment that my wife sent on XX/XX/XXXX in the amount of {$900.00}. As of today, XX/XX/XXXX, I have not received the funds. 

We have contacted customer service multiple times, but no resolution has been provided. Despite my wifes repeated attempts to follow up, the issue remains unresolved. We need immediate assistance to track this payment and ensure the funds are properly credited. 

Please investigate this matter urgently and provide an update as soon as possible. 

Looking forward to your prompt response. 

Best, 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 2025-02-15 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2025-02-15 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Since XXXX Cash App has been for whatever reason inconsistent with refunding any fraud on the card when it was running rampant here. They would refund me for one purchase and then decline the next when they were purchased within minutes of each other. Its like we were picking and choosing at random which ones to approve or decline. And Ive lost out on a lot of money because of this and they closed my account, because of my constant reaching out to support for help or assistance. Ive been reaching out to them consistently since the end of XXXX about this. Up to the point where in the middle of XXXX. I was still filing disputes for months old transactions I was not able to get to after being locked out. To which they approved again, some in our others, even though they were within minutes of each other. I have attached screenshots of the transactions that they approved and didnt approve which were in the same exact window and claim. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Civic Liability for Negligence Non-Compliance under Section 16810 To whom it may concern : I am writing to formally dispute the notice of liability for negligence regarding non-compliance under section 16810 of [ relevant law or ordinance ]. I believe that the decision to hold me liable is both incorrect and unjustified for the following reasons : 1. **Non-Compliance Overview** According to the notice, I am being held liable due to an alleged failure to comply with certain civic responsibilities. However, I respectfully dispute this claim as [ provide a brief explanation of why the non-compliance is not valid, such as miscommunication, misunderstanding of regulations, etc. ].

2. **Lack of Negligence** Furthermore, the allegation of negligence is unsubstantiated. I have taken reasonable steps to comply with the necessary regulations and responsibilities outlined in section 16810. [ Provide any relevant facts or actions you've taken to demonstrate your compliance, such as submitting forms, making necessary payments, or other appropriate steps ].

3. **Inadequate Notification** I also wish to point out that I was not provided with adequate notice regarding [ any actions, deadlines, or documentation required for compliance ]. As per section 16810, proper notification is essential, and the failure to provide me with such communication has led to this misunderstanding.

4. **Supporting Documentation** Attached to this letter are copies of [ list any relevant documents, emails, communications, or other proof that support your position, such as proof of payments, communication records, etc. ]. These documents demonstrate that I have acted in accordance with the law and have not engaged in negligence.

Given the above points, I respectfully request that this liability notice be re-evaluated and revoked. Should you require further information or clarification, I am happy to cooperate and provide any additional documentation necessary to resolve this matter.

I trust that you will carefully review the facts and resolve this issue promptly. I look forward to your timely response to this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2025-02-15 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: DISCOVER BANK
State: MD

Complaint narrative:
I had issues with an XXXX XXXX flight in XXXX of XXXX for a flight that was purchased on XX/XX/XXXX using my Discover Card. Since XXXX XXXX has been giving me continued issues and unwilling to resolve the issue, I reached out to Discover. Discover initiated a dispute dated XX/XX/XXXX. Discover closed the dispute on XX/XX/XXXX. When I reached out to Discover, they stated that there was not enough documentation for the dispute. After following the instructions of the customer service rep, I uploaded the recommended additional documentation. However, Discover never re-opened the case. Discover continues as of XX/XX/XXXX to refuse to put any type of dispute through as they claim that a ticket was issued. Based on the recent conversation, regardless of the quality of a product or the fact that the product did not match what was stated at purchase, Discover will side with the merchant. 
Attachments include items sent to Discover which are original itinerary for XXXX XXXX & additional notes & change itinerary getting me home 2 days later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Since XX/XX/year> I have made telephone calls twice a week to GM Financial to present date. I have sent XXXX letters asking to have them release me from the lien which I paid in full XX/XX/year>. I contacted the XXXX  XXXX XXXX XXXXXXXX and they called GM Financial on my behave. I have email the GM Financial consumer complain line twice. I am given different reason why my lien has not been released on-line from GM. Reply on the phone I've gotten from GM is we will submit this again. For some reason Mrs.... it did not go through. Another excuse has been that the computer does not recognize my town in which I live in. Oh I am sorry our computers are down and I can not help you. These are a few excuses GM has given me. I do not receive a repy back from the e-mails. I do not receive a reply back from the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
Subject : Formal Request for Deletion of Unverifiable Collection Account from Credit Report I am writing to formally request the deletion of an unverifiable collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I recently disputed a {$1600.00} XXXX XXXX collection account listed on my XXXX credit report. Following their investigation, XXXX has deleted this account from my file as of XX/XX/year>, indicating that the account was not verifiable. Since XXXX has removed this account, it is evident that the account could not be substantiated or verified as accurate, and therefore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), you are also required to remove this item from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that only accurate, verifiable, and complete information be reported by credit reporting agencies. If an account is deemed unverifiable by one bureau, it is reasonable to expect the same standard be upheld by all other credit reporting agencies. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in consumer credit reports. Keeping this account on my report after XXXX found it unverifiable would constitute a violation of my rights under this provision. I request that you immediately delete this unverifiable account from my credit file and provide me with an updated copy of my credit report reflecting the removal. If this account is not removed within 30 days, I will have no choice but to exercise my rights under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which allow me to pursue legal action against any agency that willfully or negligently fails to comply 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 2025-02-15 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: DISCOVER BANK
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit negatively all while being unauthorized and verified and have no permissable purpose. I was also involved in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2025-02-15 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: MO

Complaint narrative:
Over the course of the last 36 months I have canceled my Experian premium subscription five times. Ive never once authorized this premium subscription or the {$24.00} that they attempt to retrieve from my account time and time and time again. I dont know how they havent been removed as credit monitoring authorizer but they need to be.

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 monetary relief
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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