vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. I have the right to request that inaccurate or outdated information be removed from my credit report. 
Here is the Item I am asking you to verify as accurate 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 2025-02-25 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:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-25 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I misplaced my card at a company event. When I called to get a replacement they said they processed it and sent it out. I called back a week later and they said 'they were unable to process the request and someone would call or mail me within 7 business days '. I never received anything in those 10 business days. I've now called 3 more times and got the same message from the representative and a " I can not do anything ''. I am not delinquent in any of my payments and literally can not receive back a physical card. They have not taken any action to help fix this problem and refuse to help. However, I've had the card for a long time so I don't want to cancel it and move on because it will ruin my credit score for future because of the age of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
When transferred money to my checking account, charges was charged XXXX. Never received my money.

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-25 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear CAINE WEINER, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX ( a ), and the XXXX XXXX XXXX under Sections XXXX and XXXX, as well as Texas Penal Code Section XXXX XXXX which pertains to identity fraud. 

It has come to my attention that CAINE WEINER has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section XXXXb ( a ) ( XXXX ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section XXXX of the XXXX XXXX Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. XXXX  XXXX Code Section XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for CAINE WEINER to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that CAINE WEINER immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section XXXXb ( a ) ( XXXX ) and the relevant provisions of the XXXX XXXX Code ( Sections XXXX and XXXX ). If this issue is not resolved within XXXX XXXXays, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX  XXXX Code Section XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring CAINE WEINER into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that CAINE WEINER will swiftly correct these violations and respect my rights under the law.

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-02-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The following complaint is regarding my Capital One QuickSilver Credit Card. 

On XX/XX/XXXX, I called Capital One to file a dispute for {$1000.00} against XXXX. The representative assured me that the dispute had been filed and that the process would take 90 days to resolve. 

During the call, I specifically requested a confirmation number, but the representative did not provide one. Despite this, I was led to believe that my dispute was properly submitted. 

On XX/XX/XXXX, I followed up with Capital One to check the status of the dispute. To my shock, I was informed that no dispute had ever been filed. A different representative then told me that filing a dispute at this stage would likely be unsuccessful due to the time that had passed. 

I escalated the issue, and a manager named XXXX ( employee ID XXXX ) assured me that he would obtain the recording of my original call within 10 business days to verify what was said. However, when I followed up on two separate occasions, two different representatives informed me that a different manager, XXXX ( employee ID XXXX ), had instructed that I should simply file a new disputewithout addressing the investigation into the original call or offering any resolution. 

When I demanded to speak directly with either XXXX or XXXX, both representatives were unable to fulfill my request. Since then, Capital One has stopped proactively communicating with me, and my requests for updates have gone unanswered. 

Why This Is a Problem : 1 ) Capital One failed to process my dispute as promised, resulting in financial harm. 
2 ) They failed to provide a confirmation number, which prevented me from tracking the dispute. 
3 ) They misled me into believing my dispute was active for 90 days, causing me to miss the optimal window to challenge the charge. 
4 ) Their internal handling of my case has been inconsistent, with one manager promising to obtain a call recording and another dismissing my concerns entirely. 

This situation has caused unnecessary financial harm and frustration, not to mention several wasted hours on the phone speaking with various representatives. I respectfully request the CFPBs assistance in holding Capital One accountable for their failure to process my dispute properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 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: WI

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 non-monetary relief
Consumer complaint received 2025-02-25 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: Apelles, LLC
State: FL

Complaint narrative:
This letter serves as a formal dispute regarding the alleged debt you are attempting to collect. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. 

Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. 

I expect a response within 30 days from the date of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter serves as a formal dispute regarding the alleged debt you are attempting to collect. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. 

Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. 

I expect a response within 30 days from the date of this letter.

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Late payment 15 USC 1681 ( 2xi ) 15 USC 1666b 12 FCT- CFRA 1026.13 Billing Error Resolution Collections : 15 USC 1692c.15 USC 1681 ( e ) b 15 USC 1692g Charge offs:15 USC 1635. 15 USC 1692 Evictions : 15 USC 1637 ( 2 ) 9 ) A 15 USC 1681.15 USC 1681e ( b 15 USC 1681s-2a Contact the bureaus and ask to get a thorough investigation. Due to me being a victim of identity theft, they completely ignore my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MD

Complaint narrative:
I made several attempts to contact the loan company to correct the inaccurate information, but I received no response. Additionally, Transunion accepted unverified and inaccurate information from the loan company and refused to remove the account from my credit file.

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 — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
CAPITAL ONE SOLD THIS ALLEGED DEBT TO CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am a new customer with Chime. I linked an existing checking account to my Chime account and using the Chime app, initiated an electronic funds transfer to take {$250.00} from my other account to my Chime account ( checking ). This was done on XX/XX/XXXX, it was disclosed to me that this would take 1-5 days to show up in my Chime account. The funds were taken from my other account on XX/XX/XXXX ( I have attached a screen print showing when it was taken ). It is now XX/XX/XXXX, exactly 5 business days since I requested and now 4 business days since the funds were taken from my account. Chime still has not deposited the funds into my account ( I have attached a screen shot for that as well ).

Company response to consumer: Closed with explanation