vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Sent in my XXXX application in XXXX which will be my XXXX qualifying payments. It been 7 months now and they are still processing my application. I contacted them Mutiple times and no one has giving me an answer. We are waiting on this for a mortgage application and to move.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX of 2024 at XXXX. I attempted to make a withdrawal from Capital One Bank ATM ( XXXX ) located at XXXX XXXX XXXX XXXX NY XXXX for {$120.00}. I attempted to withdrawal of {$120.00} from the ATM in which the funds were never disbursed from the ATM. I immediately went inside the bank and reported the issue to Capital One Bank representative XXXX who informed me that they were having that issue all day and they weren't allowed to put the ATM out of service and I would have to report it to my banking institution. I reported it to my banking institution XXXX case number XXXX. XXXX disputed the ATM transaction with Capital One Bank. I was told by my banking XXXX XXXX that Capital One Bank said that the funds were disbursed. I went to Capital One Bank and requested to see the video footage of the transaction and they told me I would have to file a NYPD police report in which I did. I was told by Capital One Bank representatives that my bank needs to request banking office audit and video footage of that ATM. I have still yet to hear from Capital One Bank regarding the additional documents that I provided them for Capital One Bank case number XXXX. The funds were never disbursed to me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I received my Talbot 's credit card statement. I noticed there was a new additional fee of XXXX that would be charged monthly. It was called a paperless fee charge. 
I contacted costumer service and spoke with a representative, to request this fee waived at least for this month, giving me time to decide to enroll into their online payment system. The representative stated ( he ) could not remove the charge on his end instead transferred me Comenity the managing company for assistance. I spoke with a Comenity representative and was informed of the process of enrolling on line and one of the reasons for the change/charge was, that they received many complaints from individuals not receiving their monthly statements. I assured ( her ) I did not have this problem and I should be given the option of receiving my monthly statement in the mail and not be forced to have my personal financial information online. The representative assured me that the system was secure and measures taken to protect against hacking. I did not feel comfortable with this and do not feel I should be obligated into going paperless. I told the representative to close my account instead ; ( her ) response was that I would lose my birthday bonus points. Yesterday, I paid my account in full as I have always done, discarded my Talbot 's XXXX XXXX and requested that the XXXX fee be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( XXXX. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NC

Complaint narrative:
I been involved in a data branch and having financial hardship and I am having troubling making my minimum payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX on XX/XX/year>, I am compelled to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Specifically, I dispute the following entries on my credit report : XXXX. XXXX XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX, CONSUMER XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account {$300.00} MY ONLY ADDRESS IS XXXX XXXX XXXX AND I HAVE NO EMPLOYER Pursuant to 15 U.S.C. 1681i, I have the right to request a description of the procedures used during your investigation of these disputed items. Your failure to provide this information constitutes a violation of the FCRA. 

Additionally, I insist that you conduct a thorough investigation as required by federal law. It is your duty not to simply accept the findings of furnishers who fail to provide adequate or thorough results of their investigations. 

Please provide me with the results of your investigation in writing, as well as a detailed explanation of the methods and procedures used in reviewing the disputed information. If you can not verify the accuracy of these inquiries or entries, I request that you delete them from my credit file within the timeline mandated by federal law. 

If you fail to resolve this matter appropriately, If you fail to resolve this matter appropriately, I am prepared to SUE! 


Thank you for your prompt attention to this matter. I look forward to your written response and resolution within the time frame outlined in 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 non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
I ordered XXXX packs of XXXX XXXX XXXX I see wrong address was on file so I reach out to seller I placed a cancellation request and said it was processing My order got cancelled on my end but im still charged on my end Cashapp unable to assist me with this concern they just automatically sided with XXXX XXXX XXXX XXXX Customer is asking for a second review on this case and to reopen the dispute for the {$52.00} TikTok charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I recently was reviewing my Credit report and noticed a CKS Prime Investment collection account, which was bought from XXXX XXXX ( Surge ) I have been trying to pay this debt off, which subsequently is not mine and every time I try to get information, they have transferred to another company. 

This company has sent this debt to XXXX XXXX in XX/XX/year>. I was not in the position to pay, since I have been pretty sick. 

Then the debt was transferred to Velocity Investments, which I did not know. 

Now the debt is with XXXX XXXX. 

The debt is not mine and I am willing to pay the debt at a reduced rate of {$410.00} to remove off of 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 2025-01-14 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: GA

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It has been brought to my attention by XXXX, that my personal information has been compromised in a XXXX XXXX XXXX, in XXXXXX/XX/XXXX After reviewing my credit report, I have noticed several accounts that I don't recognize. Due to my personal information being breached, I have submitted a complaint with CFPB, reporting all fraudulent accounts.Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.Here I have listed the compromised accounts. 

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 non-monetary relief
Consumer complaint received 2025-01-14 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/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 non-monetary relief
Consumer complaint received 2025-01-14 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AR

Complaint narrative:
Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-01-14 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: GA

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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