vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
XX/XX/year> I sent {$600.00} via Zelle to phone XXXX for XXXX XXXX XXXX football tickets and never received them. The phone wasnt answering texts after. I contacted my XXXX XXXX  XXXX XXXX and they told me there was nothing they could do even though I had a number and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: DE

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Its with the XXXX  I have been borrowing money from them for about XXXX years now all my accounts have been paid off perfectly no late payments. Nothing this XXXX virtual card is for a certain merchandise merchant only yet it was used for some other merchants that I dont even know I didnt even know what the letter stood for. I provided a copy of the police report where my phone was stolen and they didnt accept it. I also provided it to EXPERIENCE and they came back at me with needing every single piece of identifying information I could give them copies of license Social Security card, birth certificate, bills Im not sending all that through the mail or through the Internet no way so here I sit with no no resolve no help nothing everything thats asked of me it cant be done. Im not paying for purchases. I did not make and Ive shown proof and they dont wan na accept it so I showed it to XXXX. They dont wan na accept it. Come back at me with how do we know that makes the XXXX  XXXX? How do we know that thats from the police department come on? What am I gon na do fabricate emails ive given them everything and theyre all again. Theyre both against me both both companies XXXX  and Affirm and Im not the one in the wrong so they have charged it off which is gon na go as a bad thing against my credit but ask them that I continue to pay the other XXXX on time every month even while this is all going on that should tell you something blows my mind. XXXX needs a copy of this too. And his event occurred sometime in XXXX XXXX, which is right after I moved in my phone was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report Capital One for unfair financial practices and request your assistance in obtaining a resolution regarding XXXX unjust late fees charged to my account. These fees, each amounting to {$40.00}, were applied for the statement cycles XXXX - XX/XX/XXXX, XXXX - XXXX XXXX, and XXXX - XX/XX/XXXX. 

I have maintained a strong history of timely payments with Capital One. However, due to unforeseen financial hardship, unemployment, and homelessness since XX/XX/XXXX, I have reached out to their customer service department on multiple occasions seeking assistance and reasonable accommodations. Unfortunately, I have been repeatedly denied help without any valid explanation. 

On [ Date of Most Recent Call ], I contacted Capital One at XXXX and spoke with XXXX ( call center representative ), who refused to assist me. He escalated the call to his manager, XXXX, who also denied any resolution. I was then transferred to Capital Ones Specialty Team, which is specifically designated to help customers in financial distress. I spoke with XXXX, who again offered no assistance and refused to provide an explanation. When I requested to speak with her manager, I was transferred to XXXX, who also failed to provide any form of relief or explanation. 

It is unacceptable that a financial institution would advertise financial hardship support yet refuse to offer any meaningful solutions when a customer is facing severe financial distress. Despite my proactive approach in communicating my hardship and my long-standing good payment history, Capital One has unfairly penalized me, making it even more difficult for me to recover financially. 

Request for Resolution : I respectfully request the CFPBs intervention to ensure that Capital One : XXXX. Removes the XXXX late fees ( {$40.00} each ) from my account. 
XXXX. Reviews its financial hardship assistance program to ensure fair and consistent application to customers truly in need. 
XXXX. Provides a clear explanation for the denial of my financial hardship request. 


I appreciate the Consumer Financial Protection Bureaus role in advocating for fair consumer treatment and urge you to take immediate action against Capital Ones unfair practices. Please feel free to contact me at [ your phone number ] or [ your email ] for any further details. 

I recently requested a new credit card and it is coming in the mail. I have not received it as its going to a friend 's house. I will add my previous credit card number to this complaint as it corresponds with this complaint. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I reporting that Bridgecrest credit has report inaccurate information on my report the last date of activity marked is XXXX the date open is XXXX I would like this remove from my consumer report right now due to false information and inaccurate information from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-02-24 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: GA

Complaint narrative:
After reviewing my credit report, I found several accounts with inaccurate information. Some show incorrect balances, late payments I never made, or statuses that do not reflect my actual financial history. These errors are misleading and unfairly damaging my credit profile.

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 2025-02-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2025-02-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.

Complaint narrative:
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.

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 2025-02-24 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-24 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: OH

Complaint narrative:
To Whom it concerns, It has been brought to my attention that XXXX XXXX XXXX has been dishonest in there reporting of a trade line, I have disputed this trade line through each of the XXXX Bureaus with no resolution. When speaking with XXXX XXXX Services Directly they have refused to provide me with the reporting information related to this trade line. 

The Responsibility of this trade line was joint at the time of opening, Now is showing on my now Ex-Wife 's credit as Contractually Liable as well as the reported payment history has been cut off at XXXX of XXXX, Ironically XXXX of XXXX is the exact time frame that she had departed with the vehicle to start her new life in another state. XXXX also stated that they have a physical address listed on the account that would have only been able to obtain by speaking with her directly. Its is for these reason that i know that XXXX has spoken with my Ex-wife and has altered there reporting of this trade line to her credit. 

Through the process of our divorce this asset was ordered to be her soul responsibility and i was to be held free and clear of this debt. In XXXX of XXXX her father paid this loan off in full, since then they has sold the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: OH

Complaint narrative:
To Whom it concerns, It has been brought to my attention that XXXX XXXX XXXX has been dishonest in there reporting of a trade line, I have disputed this trade line through each of the XXXX Bureaus with no resolution. When speaking with XXXX XXXX Services Directly they have refused to provide me with the reporting information related to this trade line. 

The Responsibility of this trade line was joint at the time of opening, Now is showing on my now Ex-Wife 's credit as Contractually Liable as well as the reported payment history has been cut off at XXXX of XXXX, Ironically XXXX of XXXX is the exact time frame that she had departed with the vehicle to start her new life in another state. XXXX also stated that they have a physical address listed on the account that would have only been able to obtain by speaking with her directly. Its is for these reason that i know that XXXX has spoken with my Ex-wife and has altered there reporting of this trade line to her credit. 

Through the process of our divorce this asset was ordered to be her soul responsibility and i was to be held free and clear of this debt. In XXXX of XXXX her father paid this loan off in full, since then they has sold the car.

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 2025-02-24 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: OH

Complaint narrative:
To Whom it concerns, It has been brought to my attention that XXXX XXXX XXXX has been dishonest in there reporting of a trade line, I have disputed this trade line through each of the XXXX Bureaus with no resolution. When speaking with XXXX XXXX Services Directly they have refused to provide me with the reporting information related to this trade line. 

The Responsibility of this trade line was joint at the time of opening, Now is showing on my now Ex-Wife 's credit as Contractually Liable as well as the reported payment history has been cut off at XXXX of XXXX, Ironically XXXX of XXXX is the exact time frame that she had departed with the vehicle to start her new life in another state. XXXX also stated that they have a physical address listed on the account that would have only been able to obtain by speaking with her directly. Its is for these reason that i know that XXXX has spoken with my Ex-wife and has altered there reporting of this trade line to her credit. 

Through the process of our divorce this asset was ordered to be her soul responsibility and i was to be held free and clear of this debt. In XXXX of XXXX her father paid this loan off in full, since then they has sold the car.

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 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 XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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