vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting a formal complaint against Capital One regarding an inaccurate and outdated collection charge-off reported on my credit file. Below are the relevant account details : Creditor : Capital One Date of Account Opening : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Despite my previous disputes with the credit bureaus ( XXXX, XXXX, and XXXX ) XXXX they have failed to take appropriate action. Furthermore, Capital One has not provided proper verification of this alleged debt despite my requests, in violation of both federal and Texas state laws. 

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), consumers have the right to request debt verification. Capital One has failed to provide this verification but continues to report the debt.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies must remove or correct any information that is inaccurate or can not be verified after an investigation.

Texas State Violations : According to Texas Finance Code, Section 392.202, consumers have the right to dispute any inaccurate or incomplete debt reporting. Creditors are required to validate the debt or cease reporting it.

Furthermore, under Texas Civil Practice & Remedies Code Section 16.004, the statute of limitations for debt collection is 4 years. The original delinquency for this account dates back to XX/XX/XXXX, meaning this debt is time-barred and no longer enforceable under state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-30 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint against Experian for falling to property investigate my disputes about inaccuracies in my credit report.Despite my submission Experian consistently responds within 24hrs stating accounts are accurate without providing proper evidence of a through investigation. This practice violated FCRA 15 U.S.C 1681 and also may contravene the CFPA 12 U.SC 5536 A [ 1 ] A- B.These accounts XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX open XX/XX/XXXX, XXXXXXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX  open XXXX XXXX & All XXXX inquiries as follows XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX FTC has banned companies from reporting.

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 2025-01-31 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: OK

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XXXX XXXX my account was hacked and used to send themselves {$150.00}. I contacted cash app and they told me I had to go through my bank. But they gave my money away to a fake account. I requested a refund as soon as I got the notification that the person received the money. Everything was denied. I changed my password on the XXXX XXXX XXXX XXXX After no action through cash app I sent another refund request on XX/XX/XXXX XXXX XXXX XXXX still no results. Finally I just stopped using their services. I filed an identity theft report on identity theft.gov. Purchased a new device and didnt use them again until XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
credit from Bank of America were blocked without any notification. called the bank and transferred to XXXX department claiming that they just need to verify my information, which has been the same for the last 10 years. I told them I have been verified in XXXX and verify my information online in XXXX. But the rep just keep asking me the same set of questions without providing any support. I complied with the process and was told that everything is fine. 4 hours later, I still can't use my card. Called again and was transferred to the same department with different rep. The rep told me it was my fault that XXXX haven't verified my info. After I trying to ask for more info and reason why I have to provide the same info twice in 4 hours, the rep just say he is sorry that he can't verify me and I have to go to a branch to do so. He provided no explanation for that decision and told me that Bank of America can do the same thing to me every week if they want. The federal regulation gave them the power to abuse their customers.

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 2025-01-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Sent out letters due to 15uc1681 and ask for only correct information to be reported thats due to the fair credit report. I sent letters out notarized provided my personal information so my life can go back to normal due to birth right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One to ask to remove the late payment on my credit report. A manger got involved and said the late payment is to far in the past and they do not have access to remove it. Upon deeper investigation into my credit file, I noticed my entire payment history from XXXX has been reported inaccurately. They claim I have a scheduled payment but I do not. I pulled my bank statements from XX/XX/year> to present, none of the payments reported match up. I would like this late/past due payment deleted from my credit file as soon as possible. I am also including my bank statements to include my capital one payments for these time frames

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: VA

Complaint narrative:
I could never get ahold of an actual customer service representative to facilitate any issues I've had with the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reinserted into my consumer report. Below are the details of my dispute : Consumer ID Number : XXXX Account in Question : XXXX XXXX Account # XXXX Disputed Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at the address listed above, nor do I have any connection to it. The inclusion of this address and account in my consumer report is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 605 ( b ) and 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy in consumer reports and take reasonable steps to ensure that disputed information is accurate. Given the errors in this case, it is clear these standards were not met.

Additionally, FCRA 611 ( a ) ( 5 ) ( B ) prohibits the reinsertion of previously deleted information without proper certification of its accuracy and notification to the consumer. No such certification has been provided to me, rendering this reinsertion unlawful.

I demand that you verify the accuracy of this account and the associated address. If you can not provide verifiable documentation tying me to this account or address, you must delete it from my report as required by FCRA 609 ( a ) ( 1 ).

Failure to comply with these laws, including FCRA 616 and 617, could result in legal action for willful noncompliance and damages caused by inaccurate reporting.

I Been dealing with financial hardships all because you guys keep reporting inaccurate information.. I cant open up a bank account to even start my buisness to pursue my dreams.. Im asking you guys to please remove this inaccurate account from my consumer report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Balance and Past Due Amount Discrepancy The account reports a balance of {$850.00} while also reflecting a past due amount of {$170.00}. These inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The account reflects a payment status of " XXXX days late '' and " XXXX days late '' despite being closed. Reporting late payments after account closure can be misleading and negatively impacts my credit score. 
Remarks Indicating Dispute Resolved by Grantor The remarks state " Dispute resolved reported by grantor, '' which implies previous dispute activity, yet errors remain. This indicates a failure to properly investigate under 15 U.S.C. 1681i ( a ).

Unverified Account Closure by Creditor The report states the " Account closed by credit grantor, '' but there is no proof that this closure was initiated by the creditor rather than voluntarily by me. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Balance and Past Due Amount Discrepancy The account reports a balance of {$850.00} while also reflecting a past due amount of {$170.00}. These inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The account reflects a payment status of " XXXX days late '' and " XXXX days late '' despite being closed. Reporting late payments after account closure can be misleading and negatively impacts my credit score. 
Remarks Indicating Dispute Resolved by Grantor The remarks state " Dispute resolved reported by grantor, '' which implies previous dispute activity, yet errors remain. This indicates a failure to properly investigate under 15 U.S.C. 1681i ( a ).

Unverified Account Closure by Creditor The report states the " Account closed by credit grantor, '' but there is no proof that this closure was initiated by the creditor rather than voluntarily by me. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CT

Complaint narrative:
Hello, I was reviewing my credit report and noticed I have a fraudulent account on my credit report. I have never done business with this merchant or the original merchant. This account is causing me to not repair a plumbing issue in my home. Please review and have XXXX furnish a contract showing i have done business with this merchant. please remove asap! 

Thank you in advance, 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My debit card was stolen and the information was added to a cash app account and money was transferred to the cashapp account with my debit card. I couldnt speak to anyone representatives about this. This happened last XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Information Auto Lease Dear Sir/Madam , I hope this letter finds you well. I am reaching out to request specific details regarding my auto lease account referenced above. Please note that this is not a dispute ; I am simply seeking clarification on the following information : The date of first delinquency on this account. 
The date of my last payment made toward this account. 
The date of charge-off, if applicable. 
I would appreciate your prompt response with this information. If any additional details or verification is required from me, please let me know. 

Thank you for your time and assistance. 

Sincerely,

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 2025-01-30 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: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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