vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In my case, on XXXX XXXX XXXX was partially deposited until XX/XX/XXXX in my Account. 

On XX/XX/XXXX I gave my peer XXXX XXXX from school my card and pin. XXXX recently lost his grandma during Covid. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX been through some rough times. We all have XXXX  stories. I just didnt see this in XXXX XXXX he was always sweet and ready to help me with my homework. I gave him my card so that he can go get him a car I know he was going to school and working on himself. I gave up my card and pin because I was working and I have a heart. I want to see us all make it and most definitely XXXX. Never in a million years would I have thought he would do this. I only known XXXX for roughly a year. I know he was homeless kind of staying place to place and I was just trying to show support. I gave XXXX my card and pin so that he can deposit his money in my account. I didnt think to question him only because I was extremely busy and I didnt sense anything like this. I owed money on rent and was forced to be homeless during this time ; I definitely didnt have no {$10000.00}. I got move out orders and pass bills. 

Because of this identity theft XXXX XXXX  has restricted my account and XXXX XXXX. I need my accounts active this identity theft is causing me XXXX  XXXX  and stress. My children are affected by this identity theft as well we all seeing XXXX XXXX XXXX. My daughter whom is already experiencing XXXX XXXX is really XXXX  because I cant do certain things for her without my accounts. We are experiencing a lot of pain and suffering. We are law abiding citizens and we have a good heart to due diligence in this world. Although we should not have to suffer. We should not have to pay this back. All of my personal information was leaked in a data breach as well. Can you please help me with my case. I am now mindful of my actions far as helping others. 

My vehicle was stolen with all my personal information and including my childrens information in XXXX ssn birth certificates id medical jewelry maybe XXXX worth of Gold. 
My vehicle was broken into XXXX personal information stolen identity medical cards ssn card My id theft report reference # XXXX My incident report # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has not responded to taking these accounts off of my credit or they have not unrestricted my XXXX XXXX Or my XXXX  account. 

I have more police reports as well. 


XXXX XXXX XXXXXXXX Is another account I have a problem with. This guy from XXXX deposited XXXX into my account but was actually stolen from another account I believe. I reported this incident with XXXX XXXX XXXXXXXX customer service fraud team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There have been applications made in my name that I did not authorize, recognize, or apply for. These fraudulent inquiries led to companies pulling my credit report, which has negatively impacted my credit score. I previously contacted the bureau, and a representative assured me these inquiries would be removed, yet they still appear on my report. This ongoing issue is causing unnecessary stress and frustration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX **** XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
On XX/XX/year> a friend 's XXXX account shared some items the friend was selling. I made arrangements to purchase some of the items and sent deposits to them to hold for pickup. I used Zelle and XXXX XXXX. I found out the next day that my friend had been hacked. I attempted to reverse the transfers to no avail. I contacted the financial institutions, including my bank, also to no avail. In the process I got the following contacts for the scammers : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ), XXXX, XXXX. I am out {$1200.00}. I can provide the communication thread.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went in as a new customer to cash a {$1200.00} check from part of a XXXX XXXX settlement & I forgot my second form of I.D so I went home then went rite back & was told since it was ran thru already once it cant be cashed & mind u I signed & they stamped already so I tried a couple of days later like I was told to & I was told by by two tellers that on there end on the computer screen it said fraudulent & to return to sender & the teller told me that if it aint fraud for me to just ask company for another check because the one I had could not be cashed so my Lawyer called the company & was told that there was nothing wrong with the check so I waited till I opened a Savings account with the {$30000.00} check & the person who helped me took the {$1200.00} after I explained what happened with it before & to see what the issue was with the check & she said nothing was wrong with it & it cashed rite away & I even withdrew that money rite there and then so I really feel that I was discriminated & I believe defamation of character plays in this also because I know that the customer behind me heard everything & her telling me it was fraud can only mean it was me trying to cash a fraudulent check. Very embarrassing! Also my {$30000.00} in my savings was on hold do to Child Support so when I went in the bank to find that out I told the teller that on my bank statement online it states that amount would be available on a certain date & I asked if that amount would be available to me on that date & I was told if thats what it says then yes, but she knew that that was not try & what that process is. I also asked if she can tell me who I can call to talk to about this situation & I was told I would have to figure it out myself but the person I talked to from the XXXX Department told me that I should have been given instructions of who I should call so now Im waiting to see if the check was able to be stoped to allow me keep some what my money! I am going to talk to the Manager of this branch to see if he can make sense of there employees but until then talked to a couple of Lawyers & they all feel that I do have a case because it doesnt seem like there is a reasoning for there actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Subject : Formal Complaint Against XXXX for FCRA Violations To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XX/XX/year> Dear CFPB, I am submitting a formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically violating : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report 15 USC 1681s-2 Failure of furnishers to properly investigate and correct disputed information 15 USC 1681i Failure to conduct a reasonable reinvestigation of my disputes 15 USC 1681c ( c ) Unlawful reinsertion of previously disputed and removed negative information I have made multiple attempts to dispute inaccurate information on my credit report, sending multiple letters requesting verification and correction of errors. Despite my repeated efforts, XXXX has either failed to investigate properly, refused to correct the errors, or reinserted inaccurate information without following legal procedures. 

I recently learned about the CFPBs lawsuit against XXXX, which highlights the same issues I am experiencing. According to the CFPB, XXXX has engaged in sham investigations of consumer disputes, failed to remove or reinserted errors, and failed to uphold consumer rights under the FCRA. My case appears to be part of this ongoing pattern of misconduct. 

Harm Caused XXXX  failure to correct my credit report has negatively impacted my financial well-being, including : Denied credit applications, increased interest rates, inability to obtain housing, job opportunities lost, etc. 
Emotional distress, financial hardship, and issues purchasing a home and vehicle. 

Requested Resolution 1. I request a full reinvestigation of my disputes and immediate correction of inaccurate information on my credit report. 
2. I request CFPB enforcement action against XXXX for its failure to comply with FCRA. 
3. I request compensation for any damages suffered due to XXXX negligence. 

I am attaching copies of my dispute letters, proof of submission, XXXX  responses ( if any ), and my credit reports showing the errors. 

Thank you for your time and attention to this matter. I look forward to your response and any further guidance on how I can pursue action against XXXX. 


Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-04 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: CT

Complaint narrative:
I have contacted the three credit reporting agencies and the negative information from XXXX XXXX XXXX  XXXX  involved in my XXXX  XXXX bankruptcy XX/XX/2013 and discharged XX/XX/2013. I have consulted with my lawyer XXXX XXXX, who told me that the information should not be on my credit report. I have contacted XXXX XXXX XXXX, TransUnion, Equifax, and Experian. The information is not being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CT

Complaint narrative:
I have contacted the three credit reporting agencies and the negative information from XXXX XXXX XXXX  XXXX  involved in my XXXX  XXXX bankruptcy XX/XX/2013 and discharged XX/XX/2013. I have consulted with my lawyer XXXX XXXX, who told me that the information should not be on my credit report. I have contacted XXXX XXXX XXXX, TransUnion, Equifax, and Experian. The information is not being 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 2025-02-04 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: NV

Complaint narrative:
Theres an account listed on my consumer report that has inaccurate information 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 2025-02-04 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: LEXISNEXIS
State: MD

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 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 proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

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

EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation