vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one has numerous accounts that are paid/closed on my credit report which are reflecting negatively on my credit report. They are refusing to remove these paid/closed accounts from my credit report. This issue makes it difficult to have a healthy credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: DApps Platform, Inc.
State: OH

Complaint narrative:
Start trading with one contact person with whom I met 6 months back and he shows all the valid document to support that. He sent me {$90000.00} in my trust wallet to get the my trust as well and took my {$80000.00} in 15 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Synchrony Bank ( SYNC ) was paid {$1400.00} for a CareCredit dental bill by XXXX XXXXXXXX XXXX  XXXX ( XXXX ) funds on XX/XX/XXXX with a confirmation of canceled/received check dated XX/XX/XXXX by SYNC. A copy of same was sent XXXX XXXX email and fax by XXXX to SYNC, but SYNC informed me on phone today they still have not received payment. The SYNC recording confirms my account was closed, but I am still charged. The SYNC Representative XXXX went silent or hung up and did not resolve the issue to my questions. The issue remain unresolved and it is affecting my credit. I appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cedar Holdings, Inc.
State: WA

Complaint narrative:
Today as of XX/XX/2025 I received a email from the Gary fox lending company saying theyd escalate it to collections I tried logging into there websites with both emails and I could not find either. I just want to make sure I wont be garnished and or be in legal trouble.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had my Capital One Quicksilver card ending in XXXX for several years. 
I have a joint bank account with my husband at XXXX XXXX XXXX XXXX XXXX, I also have an individual account at XXXX. 
Apparently I have always made payments from XXXX  for that account until XX/XX/year> when I made my payment from our joint account. 
For this reason, they restricted my account in XXXX until I could verify that I was a signer on the account. 
I have sent them numerous documents that they have requested, and every time I do, they ask for more. 
I have sent them everything they have asked for, even copies of bank statements that I dont believe they are entitled to for a credit card with a {$300.00} limit! 
I have been on the phone with them at least once a week, sometimes twice a week trying to find out what else they think they need. 
They always ask for the same documents! 
This has been incredibly stressful. I owe {$0.00} on that account at this time and they continue asking for documents that they have. This is making me crazy! It makes NO sense, even in the letter that the bank made available to them last week they were provided the phone number of the bank and a name of someone they could talk to because even the bank doesnt see their problem. 
THIS IS HARASSMENT!!!! 
I am attaching ALL documents. 
Please tell me how this is legal. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalid, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 %. accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code1681i ( 5 ). these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15U.S.C. & 1681 ( 7 ) Method of verification and description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must made 100 % accurate listed in my dispute letters attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Fraudulent Activity Due to Data Breach** Dear Equifax, I am writing to formally dispute inaccurate information on my credit report resulting from the XXXX Equifax data breach, which exposed personal information of millions of consumers, including myself.

I am concerned that the breach has led to unauthorized accounts or fraudulent activity being reported under my name. Upon reviewing my credit report, I noticed discrepancies that may be the result of identity theft or fraudulent use of my personal information. 

Please investigate the following items on my credit report that I believe are incorrect due to the data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquires are unauthorized as well and need to be removed immediately : XXXX XXXX XXXX The following accounts has late payments and I'm up to date with all my current cards : XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation and, if necessary, remove any fraudulent information from my credit report. I would also like to ensure that my credit file is properly flagged for potential identity theft, as I believe my information was compromised in the breach. 

Please provide me with a copy of the results of your investigation, including any changes made to my credit report, once your review is complete. In addition, please send me an updated credit report reflecting the corrections. 

If any further documentation or information is required to assist with your investigation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2025-03-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Fraudulent Activity Due to Data Breach** Dear Equifax, I am writing to formally dispute inaccurate information on my credit report resulting from the XXXX Equifax data breach, which exposed personal information of millions of consumers, including myself.

I am concerned that the breach has led to unauthorized accounts or fraudulent activity being reported under my name. Upon reviewing my credit report, I noticed discrepancies that may be the result of identity theft or fraudulent use of my personal information. 

Please investigate the following items on my credit report that I believe are incorrect due to the data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquires are unauthorized as well and need to be removed immediately : XXXX XXXX XXXX The following accounts has late payments and I'm up to date with all my current cards : XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation and, if necessary, remove any fraudulent information from my credit report. I would also like to ensure that my credit file is properly flagged for potential identity theft, as I believe my information was compromised in the breach. 

Please provide me with a copy of the results of your investigation, including any changes made to my credit report, once your review is complete. In addition, please send me an updated credit report reflecting the corrections. 

If any further documentation or information is required to assist with your investigation, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXXXXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Balance {$680.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$7600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$90.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$3700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$520.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$480.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$290.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$95.00} Open Date XXXX XXXX, XXXX inquiries XXXX Date XX/XX/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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank erroneously marked my accounts as XXXX  even though I've never declared XXXX. They closed all my accounts, credit cards and lines of credit and will not reinstate my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
DEPARTMENT OF EDUCATION / AIDVANTAGE is in violation of The Privacy Act of 1974,. 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ).

My educational records have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case.

Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. 

I revoke any and all consent written non written verbal or implied to share any non public information and ask XXXXXXXX XXXX XXXX to furnish wet ink evidence of consent to share with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX  TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX  TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$720.00} XXXX {$720.00} XXXX {$670.00} XXXX XXXX {$320.00} XXXX {$100.00} XXXX {$1400.00} XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2025-03-31 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America told me a new debit card was to be issued in 7-10 business days. I did not receive the card in the mail. I called the Bank of America customer service line and the balance read to me as {$4.00}. I had a total of {$12000.00} in my account. Someone stole my debit card in the mail and made several unauthorized ATM withdrawals at different branches and ATMs. The Bank of America reimbursed me provisional credit of {$1100.00} and denied the remainder of the claim stating I or someone I know made the withdrawals because I'm the only one who should know the PIN. Bank also listed another denial reason that there was no sense of urgency to report the authorized transactions. Well why would there be an urgency when I was told to wait for my debit card in the mail multiple times?!!! PINs can be compromised with new technology and social security numbers. Bank of America is holding me responsible for this which I had no control over. I trusted Bank of America. I just want my money back so I can pay my mortgage with the Bank of America that I'm now late on thanks to the Bank of America.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I tried to access my bank account with my password, their system said that does not mach their records, I called and got a temporary password and access it but their system asks a code sent to my mobile thru text or call, I tried both but their system says oh something went wrong, we can not send code right now I tried every day for a week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: PA

Complaint narrative:
Account was not removed from my credit as agreed when loan was paid off.

Company response to consumer: Closed with explanation