vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Friday morning I transferred money from my varo checking account to current checking account. From current checking account I sent money to my wife and paid XXXX bills. I had XXXX left in the bank. I got ready to get something to eat and my card declined. I checked my account and they had done put a restriction on it. I contacted them and they told me that they had sent me a email for some information to identify myself. I looked in the email and sent the information they requested. Friday afternoon around XXXX I received another email saying that they were closing my account due to unusual activity which there was none. I called back from my phone and they blocked my number. I've emailed them a few times and haven't received a response. I don't care about the account I just want my XXXX dollars that's in the account. They can have the XXXX cents. I want my money or I will be forced to take them to court if I have to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
Over 10 years ago These two loans that i didnt not taken out nor benefit from were determined to be not mine and they have been placed on my credit report again. Every couple of years I have to go through this removal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIERES 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

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 2025-02-23 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. 

Details of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.

Under the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.

Instead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). 
The failure to provide this information constitutes a violation of my consumer rights under the FCRA. 

Violations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation

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 2025-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
My cashapp was hacked for XXXX I called and I could not talk to anyone to resolve this issue I closed my mfc account right after cashapp took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
This XXXX XXXX credit card account was disputed and removed from my account and they keep putting it back on. The account was an application through XXXX that XXXX kept charging me for things I did not receive. I complained to XXXX and I was locked out of my account. Services were still not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I have submitted several dispute complaints to TransUnion regarding multiple accounts that are being listed as either late or balance is incorrect on my credit report and they refuse to make changes, provide updated balances, provide proof that they tried to contact creditors.

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 2025-02-23 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: TX

Complaint narrative:
I have submitted several dispute complaints to TransUnion regarding multiple accounts that are being listed as either late or balance is incorrect on my credit report and they refuse to make changes, provide updated balances, provide proof that they tried to contact creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I have submitted several dispute complaints against all three credit bureaus in regards to my mortgage account with XXXX, they are reporting multiple delinquent payments when this is inaccurate. I have requested proof of how they are reporting this information with none provided. I demand they fix the late payments associated with this account immediately.

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 2025-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Westlake portfolio management is the company I'm having issues with regarding my XXXXXXXX XXXX XXXX  I got in XX/XX/XXXX the original purchase {$17000.00}, I have paid way over this amount in the tune of {$24000.00} and counting as they are saying after a repossession of the vehicle in XX/XX/XXXX I gave the {$1100.00} for recovery fee, they have put on the credit report XXXX owe {$2200.00} and want me to sign another lease agreement charging me to pay off the vehicle in the remaining amount {$3800.00} {$240.00} biweekly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
I am filing this complaint against Hunter Warfield , Inc. for failing to comply with federal debt collection laws under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

On XXXX XXXX, 2025, I sent a formal written request via [ certified mail/email ] to Hunter Warfield , Inc. , requesting validation of the alleged debt they are attempting to collect from me. Under the FDCPA, they are legally required to provide the requested validation before continuing any collection efforts. 

Hunter Warfield , Inc. failed to respond within the legally required XXXX period. Instead, I received debt validation documents dated XXXX XXXX, 2025, well beyond the deadline. Their failure to provide timely validation means they were legally prohibited from continuing collection efforts, yet they continued to report the debt to credit bureaus and possibly engaged in other collection actions. 

This delay is a clear violation of federal law, and their actions have negatively impacted my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
[ XXXX XXXX XXXX ] XXXX EST XXXX XXXX XXXX Ohio XXXX [ XXXX ] [ XXXX ] [ XXXX ] Subject : Dispute of Unauthorized Hard Inquiry Identity Theft To Whom It May Concern, I am writing to formally dispute a hard inquiry on my credit report that I did not authorize. I believe this inquiry is a result of identity theft and request its immediate removal from my credit report. 

Details of the Disputed Inquiry : Creditor Name : XXXX XXXX XXXXXXXX ] Date of Inquiry : [ XXXX ] I did not authorize this inquiry, nor did I initiate any application that would justify it. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this unauthorized inquiry from my Please confirm receipt of this dispute and provide a written response regarding the outcome of your investigation. I appreciate your prompt attention to this serious matter. 

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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED 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 explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My Capital One Savor account was restricted due to fraud that was never confirmed with me. There was no fraud on the account. So, in order to try to get this resolved, I called their fraud department, which needed an upload of my SSN, ID and Proof of residency. I only have a bank account for my proof of residency. I submitted all of this. They said that they need my full bank account number on the proof of residency in order to call the bank and verify. This seems to be too invasive to me since I already pay off said card with the bank account in question and am on auto-draft to pay off a loan with them. I mentioned this on the phone. They stated that there is no way for the separate departments ( Loans and Payments ) to talk with their department ( Fraud ). My card remains restricted because they need this additional information that the company already has access to. 

I then asked if I could close my account if I can get a reversal of the hard inquiry on my account since I opened it last year. They said that was out of their control as well. 

My card remains restricted from the company and now locked by me, and I still have a hard inquiry on my credit for a card I can't use any longer. 

They also can not release rewards I have earned on the card since my card is restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Description : NOT MY ACCOUNT Inaccuracy # XXXX XXXX XXXX Account Number : XXXX Description : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Inaccuracy # XXXX XXXX XXXX Account XXXX Description : not MY ACCOUNT Inaccuracy XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I requested my free annual credit report from XXXX free annual credit report from the website. XXXX, XXXX furnished them. 
But, Transunion XXXX separate times has refused to provide it to me. It's like a scam that they have hurt my personal information to effect many areas of my life. Yet there is no way to dispute items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Nelnet, Inc.
State: MA

Complaint narrative:
Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws. The institution failed to protect my educational, financial records.

My personal and financial information were compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. This breach is a clear violation of FERPA. It is your responsibility to safeguard my information. This also includes any interest that accrues while its being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 have submitted several dispute complaints against all three credit bureaus in regards to my mortgage account with XXXX, they are reporting multiple delinquent payments when this is inaccurate. I have requested proof of how they are reporting this information with none provided. I demand they fix the late payments associated with this account immediately.

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 2025-02-23 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:
I have submitted several dispute complaints against all three credit bureaus in regards to my mortgage account with XXXX, they are reporting multiple delinquent payments when this is inaccurate. I have requested proof of how they are reporting this information with none provided. I demand they fix the late payments associated with this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TriVerity, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX 07/25/1989, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, XXXX and XXXX, XXXX 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 * XXXX  account XXXX date XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collection XXXX appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation