vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Details of the issue : I am submitting this complaint against Capital One Auto Finance due to an unresolved billing dispute and poor customer service regarding my auto loan account. 

On XX/XX/year>, and again on XX/XX/year>, I made two separate payments of {$230.00} toward my auto loan. Both payments were successfully withdrawn from my bank account, which is confirmed in my attached statements. 

However, Capital Ones internal system shows that the XX/XX/XXXX payment was reversed on XX/XX/XXXX, yet I was never refunded. Despite both payments being processed and withdrawn from my account, Capital One is now reflecting a past due balance and charging me double the amount for XXXX ( {$460.00} ). 

I sent an email to Capital One Auto Finance on XX/XX/year>, outlining the issue and providing detailed screenshots from both their system and my bank to show : Both payments were sent and received XXXX was reversed by Capital One, but not refunded to me Despite this, I received no response. Every time I try to call, no representative has been able to help. Meanwhile, I continue to receive automated texts claiming I havent paid, which is false and stressful. 

What Im requesting : Immediate correction of my account balance to reflect the XX/XX/XXXX payment Removal of the past due status Written confirmation that my account is current Assurance that this issue will not affect my credit This situation is financially and emotionally distressing, and I am requesting the CFPBs assistance in resolving it as Capital One has failed to act on the information provided. 

Attachments available : Screenshots of Capital One payment records Bank transactions showing both XXXX payments My original email to Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XXXX/2025 TransUnion XXXX  XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX Account Number : XXXX Balance : {$6800.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXXL '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking NumbeXXXX

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 2025-04-22 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00}

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 2025-04-22 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: AZ

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are multiple fraudulent accounts and/or inquiries listed on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and formally requesting that these items be immediately investigated, verified, and removed. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : 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 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  These accounts were not opened by me, nor did I authorize anyone to open or use these accounts on my behalf. 



Formal Request for Investigation and Debt Verification Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete all of the above fraudulent items from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting full debt verification. If the credit bureaus or furnishers can not provide documented proof such as a signed application, agreement, or contract showing I authorized these accounts they must be permanently removed from my file.

Compensation for False Verification As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any disputed account is falsely verified as valid despite my identity theft report, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation To support my claim, I have included the following : A copy of my identity theft report ( police report or FTC Affidavit ) A copy of my government-issued photo ID Proof of my current address ( utility bill, lease agreement, or bank statement ) Requested Actions I am requesting the following : 1. Immediate blocking and permanent deletion of all fraudulent accounts and inquiries.

2. Formal debt verification from all creditors reporting the disputed accounts.

3. Written confirmation that the fraudulent items have been removed.

4. Documentation that the furnishers have been notified and instructed to cease all reporting.

5. An updated and corrected copy of my credit report.

Please confirm in writing that this request has been processed according to the FCRA. Failure to comply may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-22 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 credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cashapp has never helped me solve my issues on my first, they shut down my first account which had money on it and never have I been able to reach them because they always sent me to an automated ai agent which never worked and I was scammed out of XXXX dollars in 2020 someone called my phone acting as an Live nation agent for me to perform as an agent I submitted a report which I do not have a specific date and I put in a complaint with cashapp and I was never able to receive the money back nor did I receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 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: GA

Complaint narrative:
Contacted the company while on XXXX, FCRA and SCRA were not honored while on XXXX, Credit dispute.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : DPT EDXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Iam filing a complaints against cash app ( block inc ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial lossand I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ran a background check during a XXXX XXXX and found a erroneous eviction reporting negative on my report, and adversely affecting my ability to get housed for me and my family. I am asking that this information be removed. I have a common name and can possibly be mistaken identity. Jurisdictions Searched ( show ) 1 eviction record ( s ) were found Eviction Record 1 Agency State CA Plaintiff XXXX * XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defendant Full Name XXXX XXXX XXXX Case Number XXXX Defendant Address XXXX XXXX XXXX ; XXXX XXXX ; CA ; XXXX File Date XX/XX/year> City, State, Zip XXXX XXXX CA XXXX Judgment Date XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint against Marcus by Goldman Sachs regarding the mishandling of my bank account and funds. 

On XX/XX/year>, Marcus closed and then reopened my bank account without my consent or notification. I only discovered this after being locked out of online access for over 10 business days. Once I regained access to ony one account XXXX, I authorized a transfer of funds to my XXXX account on XX/XX/year>. 

However, on XX/XX/year>, Marcus reversed this transfer without my knowledge or approval. I received no notification, explanation, or authorization request regarding the reversal. This lack of communication and repeated unauthorized actions has caused financial hardship and distress. 

I believe this is a serious violation of consumer rights and banking regulations, and I am requesting a full investigation into Marcuss actions and a return of my full access and control over my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NY

Complaint narrative:
My account has been frozen and I am unable to get a hold of the customer service to fix the problem. I waited online for 2hrs with no contact with anyone. They do not call back or answer the line. I am unable to access my money for the past 3 days with no response from NETSPEND - XXXX XXXX  ACCOUNT. This is truly an inconvience to my everyday life. I am unable to pay for my work commute, which led to me missing days of work. I have sent them all the required documents to prove who I am and they still refuse to unlock my account. I have no clue where to go for assistance with this matter. I just want my money out and my account closed. PLEASE HELP!!

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I am disputing the reporting of a foreclosed mortgage account listed by NR/SMS/CAL, XXXX XXXX XXXX XX/XX/XXXX, with an original balance of {$35000.00}. The account shows a foreclosure from XX/XX/XXXX and XX/XX/XXXX, but this account was assumed by another party and is no longer my legal responsibility. 

Despite this, it remains on my credit report and is inaccurately impacting my score. The balance is {$0.00}, and its still scheduled to stay on my report until XX/XX/XXXX. I have already disputed this with the credit bureau, and it was supposedly updated in XX/XX/XXXX, but the incorrect foreclosure status remains. 

In addition, representatives connected to this account attempted to scam me by pressuring me with misleading or false information about settling or reinstating a debt that was no longer mine. This was deceptive, and I believe it violates the Fair Credit Reporting Act and possibly other consumer protection laws.

I request a full reinvestigation and demand that NR/SMS/CAL provide clear documentation proving I am still legally responsible for this account. If they can not, I ask that this negative account be removed from my credit report immediately.

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 2025-04-22 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 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 non-monetary relief