vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I started attending XXXX in XXXX, XXXX for grad school. I never completed the first semester due to the administration office accusing me of plagiarism. They were terminating me from the program with a letter of termination. I was devastated because I assured them that it was untrue. I received the dismissal letter on XX/XX/scrub>XXXX XXXX XXXX and on XXXX XXXX XXXX  it was recanted. It was a glitch in their system so now they reinstated me. I was humiliated, discouraged, mentally dismayed, my dignity, my pride, my integrity insulted and several other things. You want me to continue in your program as if nothing happened. I felt away as anyone would and discontinued with the program. Now, they charged me the full semester ( or ) semesters charges for their XXXX program which i feel I should not be liable for due to their false accusations. I believe that they should have investigated first and had their facts straight. Instead they shook my world with that devastating blow and I never returned to any college due to that situation. I have proof of this incident with both letters if needed. I thank you for your time and cooperation in this matter. P.S. if you are wondering why bring it up after all these years? I tried and ran into blocks, I really didn't know where to go. I'm unsure if you guys can help but what do I have to loss. Praying that you guys can help or send me to where I can receive help in this matter. Thank you again.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
( 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 XXXX for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I contacted chime by phone but was told my account didnt exist,,, when I got ahold of an agent I was told that someone had accessed my account and changed my account information without my knowledge. I asked the agent if my account is at risk because my social security and my home address could have been stolen, he told me there was no way to be sure. Chime needs to take better security measures because my identity and my family could be at risks because of chimes negligence. Furthermore my debit was stolen and purchases were made of XXXX $ and XXXX $ were made on my account,,, I disputed it but chime is asking me to file a police report and for me to tell them exactly where I was when those purchases were made. I told them I was home and that the police is requesting further documentation on how chime came to the conclusion that the claims were not fraudulent even after they sent me a new debit card.. I want a a full refund and an apology my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OR

Complaint narrative:
I have filed disputes with Equifax for all fraudulent charges but need to for transunion and experian as well. My information was stolen and my credit has been wrecked. 
FTC REPORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AR

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Please be advised that as of XXXX XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX - {$4800.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I believe someone has tried opening these accounts in my name and I was advised to file a complaint to get these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I placed a freeze on my The Work Number profile effective XX/XX/XXXX, and recieved a letter in the mail dated XX/XX/XXXX confirming a freeze was in place. However, on XX/XX/XXXX, I was able to access my employment data report online and there was no indication on the report that it was frozen. Furthermore, I saw that a company called XXXX XXXX accessed my employment data report on XX/XX/XXXX and XX/XX/XXXX. 


I am writing to ask The Work Number to please verify that a freeze is active on my account and, if it is not, please explain what happened and to freeze my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie 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 the account is accurate, without providing any evidence of a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which I believe is negatively affecting my financial well-being and putting me at risk for identity theft. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and am requesting a thorough investigation into these inaccuracies as required by federal law. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX for failing to properly investigate consumer disputes, alleging practices such as : Conducting inadequate investigations that fail to resolve consumer disputes properly. 
Reinstating previously disputed and inaccurate information without proper explanation. 
Failing to notify consumers of the results of investigations in a timely and clear manner. 
These allegations highlight systemic issues that undermine consumer protections and allow inaccurate information to remain on credit reports. I am concerned that my dispute may be mishandled in a similar manner.

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 2025-01-26 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 am writing to formally dispute the inaccurate information on my credit report, which I believe is negatively affecting my financial well-being and putting me at risk for identity theft. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and am requesting a thorough investigation into these inaccuracies as required by federal law. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX for failing to properly investigate consumer disputes, alleging practices such as : Conducting inadequate investigations that fail to resolve consumer disputes properly. 
Reinstating previously disputed and inaccurate information without proper explanation. 
Failing to notify consumers of the results of investigations in a timely and clear manner. 
These allegations highlight systemic issues that undermine consumer protections and allow inaccurate information to remain on credit reports. I am concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: IL

Complaint narrative:
I continue to receive letters in the mail and messages on my Voice Mail from this company. I do not want letters or calls. I tried to pay this " debt collection agency '' and the day after? My debit card information was stolen. This is not a legitimate company. I do not feel safe paying my debt to this person. 

They refuse to answer phones and have no email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
As per Section 607 of the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, complete, and verifiable. I believe that the information regarding this collection account number XXXX is inaccurate and incomplete for the following reason. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NV

Complaint narrative:
Subject : Request for Removal of Outdated Address from My Credit Report Dear XXXX, XXXX, transunion I am writing to formally request the removal of an outdated address from my credit report. The address in question, [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ], that address is associate with a family member i never lived there, as I have since updated my residence with the creditor they stated it is not on file my correct address is [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ]. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of information are required to provide accurate and up-to-date information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). Continuing to report outdated or incorrect personal information, such as an old address, constitutes a violation of this obligation.

To assist in verifying my identity and to help you update your records, I have included the following documents : 1. A copy of my government-issued ID showing my current address.

2. A recent utility bill or other official document as proof of my current residence.

I kindly request that you : 1. Immediately cease reporting the outdated address to the credit reporting agencies.

2. Update my personal information in your records and provide confirmation of the changes made.

Failure to comply with the FCRA can result in liability for damages, as well as statutory penalties. Please consider this letter as formal notice to address this matter promptly.

I request confirmation in writing that the outdated address has been removed from your records and that this information has been updated with all relevant credit reporting agencies. 

Thank you for your prompt attention to this matter. If you require additional information or documentation. 

Sincerely, [ 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 2025-01-26 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: NV

Complaint narrative:
Subject : Request for Removal of Outdated Address from My Credit Report Dear XXXX, equifax, XXXX I am writing to formally request the removal of an outdated address from my credit report. The address in question, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], that address is associate with a family member i never lived there, as I have since updated my residence with the creditor they stated it is not on file my correct address is [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ]. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of information are required to provide accurate and up-to-date information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). Continuing to report outdated or incorrect personal information, such as an old address, constitutes a violation of this obligation.

To assist in verifying my identity and to help you update your records, I have included the following documents : 1. A c
opy of my government-issued ID showing my current address.

2. A recent utility bill or other official document as proof of my current residence.

I kindly request that you : 1. Immediately cease reporting the outdated address to the credit reporting agencies.

2. Update my personal information in your records and provide confirmation of the changes made. 



Failure to comply with the FCRA can result in liability for damages, as well as statutory penalties. Please consider this letter as formal notice to address this matter promptly. 

I request confirmation in writing that the outdated address has been removed from your records and that this information has been updated with all relevant credit reporting agencies. 

Thank you for your prompt attention to this matter. If you require additional information or documentation. 

Sincerely, [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICIED SOME INACCURATE ACCOUNT REPORTING XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.

Complaint narrative:
{$250.00} Vanilla Visa prepaid gift card purchased on XX/XX/year> at XXXX XXXX XXXX, XXXX, XXXX, XXXX. XXXX XXXX first time using the card it was rejected. 
XX/XX/XXXX XXXX called XXXX spoke with representative. I was told to send ownership verification request and supporting documentation via email to XXXX Documents sent : Drivers license, front and back of vanilla card, receipt, and proof of address XXXX XXXX XXXX XXXX XX/XX/XXXX received automatic response to wait for resolution. 
After numerous phone calls and follow up emails it is still not resolved. I have spoken with many supervisors but with no resolution In XX/XX/year> XXXX # XXXX was closed with no explanation, and I was told the new case XXXX is XXXX. 
I have been waiting for a dispute package from XXXX. I have never received any emails. 
I have been checking every day since XX/XX/year>, also there is nothing in my junk mail. 
I have also provided another email to try. 
I was told they couldnt help me further and the case will be closed I would greatly appreciate any assistance Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

Ive been disputing an account that was fraudulently opened in my name. The company, XXXX XXXX XXXX is listened on my credit report as a loan to which I have no knowledge of. 

XXXX claims to have done investigation, yet has not provided evidence of ownership. 

This account is severely impacting my ability to progress on a personal and professional basis. 



CFPB has all already filed a lawsuit against XXXX & Equifax alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where 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 account as experience in action, violates federal law in my rights as a consumer.

Company response to consumer: Closed with explanation