vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened the XXXX checking account online on XX/XX/year>. The next day I decided to open a savings account as well on XX/XX/year>. After trying to open it said " to complete opening savings account please call XXXX ... .. ''. When I called, the rep asked me to upload a photo of my Driver 's License ( again, which I did XXXX when opening checking account previous day ) but I complied and uploaded. After XXXX mins the rep came back and said, " unable to verify you and I had to go into XXXX of Capital one 's cafes to remove restriction and open saving account ''. I didn't understand when literally the day before I had no problem opening my checking account online, but the next day suddenly couldn't verify me??? So, I said forget it and decided not to open a saving account as the nearest " capital one cafe '' was over XXXX miles away. When I logged back into my checking account it showed that my checking account is now " restricted '' and to remove the restriction I had to call the same phone number I just called about the saving account! So yet again I called and wanted to know why my checking account is now restricted? I was asked yet again to upload my driver 's license. Again, I complied, and again after XXXX mins or so was told again that I had to go into XXXX of Capital One 's Cafe 's to verify myself and remove restriction! I again asked rep, why was checking fine with no restriction until I tried opening savings account and furthermore why was I able to be " verified '' yesterday but today not? Rep said that since I've never had any type of account with Capital One before thats why. But I said thats false and complete XXXX because the only reason I was opening checking account with them was because my friend ( who has NEVER had an account of any type with Capital One ) opened his checking account online easily with no issue last month. So, I know with certainty that it is completely false and not the reason. I told the rep that its ridiculous that XXXX day Im verified and the next not and then asked to drive XXXX miles only to submit the exact same drivers license Ive now submitted XXXX times to remove restriction? Forget it, if thats how Capital One treats new customers then close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have repeatedly requested Equifax, Transunion and Experian to remove any variances of my personal info. They have refused to do so. I have no other name other than XXXX XXXX. No other addresses outside of XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. See attached for FTC report and letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The credit bureau is reporting incorrect personal information, such as my name, address, date of birth, or Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Starmark Financial LLC
State: TX

Complaint narrative:
XXXX XXXX called me saying they had acquired a debt that I owe. I had not heard of the debt and requested written debt validation. They said they would send it, but I never received it. Never received to my email, or the address they had on file. I requested it multiple times, and to also only be contacted by mail. They continued to call and not send the letter to me.

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 2025-03-15 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I am writing to request an urgent callback from someone at Affirms corporate office regarding an issue with my Affirm card. I can be reached at XXXX at your earliest convenience. 

Recently, I attempted to use my Affirm card for a second transaction at XXXX to purchase another XXXX XXXX in a different XXXX. To my surprise, Affirm blocked my card and placed a restriction on my account. When I contacted your support team, I was informed that it would take XXXX  days to remove this restriction. This is completely unacceptable, as it severely disrupts my ability to use the card as intended. I expect this restriction to be lifted immediately, as there is no justifiable reason for this delay. 

I rely on Affirm for seamless transactions, and this experience has been highly inconvenient. I urge you to prioritize this matter and resolve it without further delay. Please have someone from your corporate team contact me as soon as possible to discuss this issue and confirm the immediate removal of the restriction. I have attached proof of my identity including a utility bill, and my drivers license. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
The XXXX XXXX  Account, Credit Inquiry From XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Is fraud and needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, a mobile phone collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly requested Equifax, Transunion and Experian to remove any variances of my personal info. They have refused to do so. I have no other name other than XXXX XXXX. No other addresses outside of XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. See attached for FTC report and letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly requested Equifax, Transunion and Experian to remove any variances of my personal info. They have refused to do so. I have no other name other than XXXX XXXX. No other addresses outside of XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. See attached for FTC report and letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I have been on the SAVE plan since XX/XX/year>. On XX/XX/year>XXXX  Advantage charged all my loans a total of {$15000.00} of INTEREST, when the SAVE plan stated that the accounts may not be charged interest and that it must be removed from the account. This is increasing the balance and it's having negative effects on my credit. Again, I am requesting a full audit of this account and the remaining interest to be removed. My servicer has also stopped sending me monthly statements or posting them online in the portal. This is again a breach of contract and if this issue is not resolved I am going to request all loans be removed due to mismanagement, breach of contract, and the borrower being negatively impacted by both. I have reached out numerous times over the last year and no resolution has occurred. Since this is now my 4th time reaching out about this issue, there is no proof of why it was charge, and it goes against the terms of the loan, if this amount is not removed within 15 business days, I will file to removed each loan fraudulently charge on XX/XX/year>. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
I'm writing to formally dispute several inaccuracies on my credit report. After reviewing my TransUnion credit report, I noticed the following collections listed, which I do not recognize and believe to be inaccurate or outdated. I am requesting a full investigation and prompt resolution of the following accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt and believe it may not be my account or it is incorrectly reported. I request that it be investigated under the provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and it may be an error. Under the FCRA, I request that this be investigated and resolved. 
XXXX XXXX XXXX XXXX XXXX same name as above ) Date Opened : XX/XX/XXXX Amount : {$910.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I am requesting that it be investigated and resolved. 
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I request that it be investigated under the FCRA and removed if it is found to be inaccurate. 
Legal Reference : Under Section 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The FCRA requires that you investigate the disputed information, and if the information can not be verified as accurate, it must be removed from my credit report. 

Please conduct a thorough review of these disputed accounts, and provide me with the results of your investigation in writing. If the accounts are found to be inaccurate, I request that they be promptly corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to receiving an updated credit report reflecting any corrections, as required by law.

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 2025-03-16 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: IA

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education.

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 2025-03-16 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: IA

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, DEPT OF ED/XXXX XX/XX/year>.

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 2025-03-15 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: NY

Complaint narrative:
I am a victim of identity. there are fraudulent addresses and other items on my credit report. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Any other address on any Credit bureau I have no association with.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity. there are fraudulent addresses and other items on my credit report. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Any other address on any Credit bureau I have no association with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I disputed with XXXX a medical bill that was on my credit report so that it would be removed. I referenced CFPB final ruling on XX/XX/year> banning medical bills on credit reports and prohibiting lenders from using medical information in lending decisions https : XXXX XXXX notified me on XX/XX/year> that the medical bill would remain. The company XXXX XXXX has now flagged my medical bill as collections with Activity : XXXX XXXX XXXX ( Collections ) on my credit report which violates CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
I used XXXX XXXX as my source of potentially repairing my credit as they billed me monthly and nothing was done to achieve the positive results that was promised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
" The delinquent payments and charge off showing on my credit report from XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX And from XXXX  XXXX XXXX Date opened XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX, XXXX act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
" The delinquent payments and charge off showing on my credit report from XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX And from XXXX  XXXX XXXX Date opened XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX, XXXX act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

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