vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
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. 

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 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 2025-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
I keep getting so many phone calls from creditors. They will take action. I will be sued. I have an inactive warrant for them? Which I really dont

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've pleaded with the CRA 's to stop inaccurately reporting this account to my consumer profile. This debt has been discharged, per the remarks on my report the creditor has stated this account is profit/loss and has been reported to the IRS The continuous reporting of a charged-off account as " updated '' each month by the is in violation of Section 623. 
FCRA requires furnishers of information to report accurately. Once an account is charged off, it represents a final status, and updating it monthly can mislead creditors by making the account appear more recent or active than it is, which is inaccurate reporting. 
This account is no valid and is now considered income. income can not be reported to a consumer profile. The 1099c has been issued and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
These companies and I do not a have an open agreement nor binding contract? How did they all get my information

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 2025-01-27 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:
These companies and I do not a have an open agreement nor binding contract? How did they all get my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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.
State: MD

Complaint narrative:
These companies and I do not a have an open agreement nor binding contract? How did they all get my information

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
For years now I have been receiving unauthorized transactions from cashapp. I cant hold money without my card being locked it used to take money from any bank I had linked. Ive also ordered many cards but keep having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
XXXX took over our construction loan in XX/XX/XXXX. In XXXX, they opted to conduct an inspection at which time we did not request a funds draw. We requested on in XXXX but they insisted we would need another inspection to see what had been completed. Yet, they had not yet conducted a review of the work completed from our last draw in XX/XX/XXXX to their inspection in XX/XX/XXXX. I told them this needed to be done prior and that we should receive a draw against that first. THEN they could come do an inspection of work completed between XX/XX/XXXX to XX/XX/XXXX. It is now XX/XX/XXXX and they have hesitated to reply to my email, answer my questions if at all, and provide any funds. They had been apprised of the fact that we required heat in our living space as we were using heating units and winter was coming. They did not offer any solution but to conduct another inspection. Since we would be charged for this again, I declined and again instructed them to execute their due diligence and review the difference in the prior inspections. This way they could adhere to their procedure and pay against work that has already been completed. 
The amounts remaining in the loan and in contingency are also in question but we have not received a response in regards to the whereabouts of the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I opened an XXXX XXXX XXXX card with a limit of {$3100.00}, used it responsibly, and made all my payments on time. A few months later, I received a letter from XXXX stating that my account would be closed. When I called to inquire about the reason, they would not provide an explanation. I filed a complaint and eventually received a response stating that the account was being closed due to a " past account '' with them from around 2012. I insisted that they open a fraud investigation, as I had never had an account with them before, which they agreed to. However, in the meantime, my account was still closed. I paid off the balance in full shortly after learning of the closure. 

Later, I received a letter confirming that I was not at fault, and the " previous account '' was determined to be fraudulent. They also stated that all negative history related to this account would be removed from my credit report. Despite this, I expressed my dissatisfaction with the account closure, as it was no fault of mine. XXXX refused to assist, and when I asked for help removing the current account from my credit report, they informed me that my account had been purged from their systems and they could do nothing further. 

Under the Fair Credit Reporting Act ( FCRA ), it is illegal for any company, including XXXX, to report inaccurate or misleading information to the credit bureaus. Specifically, the FCRA requires that information reported to credit agencies must be accurate and updated when a dispute or error is identified. Given the circumstances, I believe this violation of my rights, along with the mishandling of my case, warrants a fair resolution. The account should be fully removed from my credit history as a sign of goodwill, especially considering the stress and frustration Ive experienced through this process.

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 2025-01-27 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: CA

Complaint narrative:
On XX/XX/year>, an unsolicited {$300.00} was sent to my zelle account via phone number. A few minutes later, a presumed scammer texted my phone number and requested I manually send those funds back. I contacted my bank and requested the original transaction be reversed and performed no other action. 

Approximately two weeks later, my account was permanently disabled on zelle due to purported fraud. I contacted my bank to dispute this and was informed there is no action they are able to take as the decision lies exclusively with zelle. My bank informed me that zelle made no attempt to investigate nor did they reach out to my bank about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$780.00} I disputed multiple times last year and the collections stayed on my account

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 2025-01-27 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: NY

Complaint narrative:
XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$780.00} XXXX disputed multiple times last year and the collections stayed on my account

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a checking account in XX/XX/2024 with Truist bank. I presented a check for {$20000.00}. The account was closed a few days later. they said it was due to fraud. I went to the bank, the branch manager called the fraud department, they said it was a fraudulent check. That afternoon I received a copy of the canceled check. I went back to Truist and again spoke with the branch manager. Again he called the fraud department, he told them I had the canceled check. They received the funds one day after opening the account. The fraud department said they could not verify that it was my money so they were keeping it. I have called them repeatedly, they have said that they were unable to contact the issuing bank, so they were keeping the funds. Originally, during my first visit, the branch manager told me the numbers on the check looked funnysomething about sequencing, but refused to show me the check on his computer.

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 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I opened my high yield 360 savings with Capital One at the beginning of XX/XX/XXXX when it truly was a high yield account ( 2 % ) after Capital One changed the interest application method and quarterly bonuses on my prior Savings Now account. On XX/XX/XXXX I reviewed all of my account activity and statements and in my personal case the yields declined rapidly from XX/XX/XXXX through XX/XX/XXXX when the interest became .3 % through XX/XX/XXXX. In XXXX through XX/XX/XXXX, we received minor rate increases. The rate was fixed at .8 % as of XX/XX/XXXX through XX/XX/XXXX. Our balance ranged from $ XXXX to $ XXXX through XX/XX/XXXX. We made a purchase in XX/XX/XXXX when our balance decreased to $ XXXX. 

I opened a Performance 360 account XX/XX/XXXX. It was very easy to do this through the capital one portal. I am keeping a small balance in the original 360 savings account to keep it active pending the results of this complaint. I called Capital One today ( XX/XX/XXXX ) and asked that they remedy the error with their interest rates and the only option that XXXX, a customer service manager, could provide was an offer to open a new performance savings account and move the remaining balance. No corrective interest allocation could be made to make me whole and she stated that her job would be at risk if she provided any option other than a conversion for the balance as of today ( forward looking only ). I believe we are owed between $ XXXX $ XXXX in additional interest based on the originally marketed high yield savings product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These accounts below are the accounts I disputed against : XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 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:
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 an-= ;? consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures again 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 Experians 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 2025-01-27 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reported fraudulent activity on my Capital One account multiple times, which resulted in an outstanding balance of {$1600.00}. Despite my efforts, Capital One disregarded my claims and subsequently hired XXXX XXXX XXXX XXXX to collect the debt. To avoid any derogatory remarks on my credit report for an issue that was not my fault, I agreed to pay {$900.00} as part of a settlement agreement. Under this agreement, XXXX XXXX XXXX XXXX assured me that the accunt would be marked as settled and that no information about the account would be reported to any credit reporting agency. 

However, in breach of this agreement, the negative account was still reported to the credit reporting agencies, XXXX, XXXX, and XXXX. When I contacted XXXX XXXX XXXX XXXX about this issue, I was referred back to Capital One. Upon contacting Capital One, they redirected me back to XXXX XXXX XXXX XXXX. Both companies have failed to take responsibility or resolve this matter, leaving me without recourse and with unwarranted damage to my credit report.

Company response to consumer: Closed with explanation