vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2024, $ XXXX entire life savingswas stolen from my Capital One account through XXXX  unauthorized wire transfers. These transactions were not only inconsistent with my banking behavior but also involved methods I suspect included advanced techniques like SIM cloning or malware to bypass security protocols. I have never initiated a wire transfer in my life, making these transactions glaringly suspicious. 
The fraudulent transactions, which Capital One processed despite their anomalous nature, were filed under the following fraud claim numbers : Claim # XXXX : {$17000.00} Claim # XXXX : {$8000.00} Claim # XXXX : {$13000.00} Claim # XXXX : {$5000.00} Claim # XXXX : {$5000.00} On XX/XX/2024, I discovered these unauthorized transactions. I immediately filed a police report and contacted Capital One to report the fraud. My claims were handled by XXXX ( XXXX ID XXXX ), who advised that the resolution process would take 510 business days. 
Why the Delay in Noticing the Fraud?

I noticed the unauthorized wire transfers on XX/XX/2024, because I rely on a system that allows me to manage my finances efficiently without the need for constant account monitoring. My account typically has sufficient funds to cover regular expenses, and I have historically trusted Capital Ones fraud detection systems to alert me of unusual activity. The bank has consistently notified me of smaller, routine transactions, so I reasonably expected similar oversight for larger, irregular transfers. The delay in noticing was a result of reasonable reliance on Capital Ones assurances and systemsnot negligence.

Capital Ones Negligence Capital Ones negligence is twofold : Failure to Detect and Prevent Fraud : Their system failed to flag or verify these unusual, high-value wire transfers, even though they were entirely inconsistent with my account history. 
Failure to Provide Adequate Resolution : By denying my claims without providing sufficient evidence or explanation, Capital One has compounded the harm caused by their inadequate fraud protection measures. 
This lack of accountability and transparency leaves my financial security compromised and violates reasonable consumer expectations of protection and fairness. 

Attachments : While my correspondence with Capital One occurred primarily over the phone, I have attached : A copy of the police report filed on XX/XX/2024. 
A list of the fraudulent wires, amounts, and dates. 
Screenshots and logs that demonstrate the absence of verification texts or emails for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: DC

Complaint narrative:
( XXXX XXXX ), ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) an personal loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ) a personal loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving Opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MN

Complaint narrative:
I contacted Crypto.com on XX/XX/year> via online chat and was directed to email representatives. I needed to get back into my account which had been hacked months ago. It was a very difficult process to get back in my account. Repeating and repeating again video and photo verification of my driver 's license and my face. I communicated back and forth with their representatives several times a day most days from XX/XX/year> until now. Finally, they took me through a key last step they had not done for over a week. I was told a representative would telephone me in person to verify my identity. I asked via email for this phone call each of the following five days and he finally called in the middle of the night and asked security questions, verified my identity that way. I asked him if the hacker had taken all my crypto, and he said it looked like there was still a balance in there. I was finally in my account on XX/XX/XXXX, and found the hacker had sold my crypto and bought a bunch of gift cards with crypto.com pay, but there was still about {$700.00} in the account. When I tried to withdraw it, that option did not come up, I was not allowed to. When I tried to use it to buy crypto, I was not given that option. When I tried to use it to pay for gift cards ( at least try to get it that way ), the app kept buffering on and on for hours. So, that option was not available to me either. I contacted crypto.com again on XX/XX/XXXX th to ask them to address this problem. No response. So, I tried to contact them again through my new email, and they started a new email chain. Several emails and verifying my identity several times later over XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, I am reporting them. Today, they ignored my problem, and instructed me in how to yet again verify my identity via video twice and reset my XXXX again which was not necessary as I explained again and again that I was already in my account and I needed my funds unfrozen so I could transfer my money. They just sent me another verify your identity email though I just did that two hours ago. They are clearly giving me the runaround. I think Crypto.com hopes I give up and they can keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-17 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-17 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-17 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: CA

Complaint narrative:
I reviewed my credit report, and notice that my account for XXXX XXXX  # XXXX account type, " Credit Card '', and noticed a couple of late payments from March- XX/XX/year> that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advanced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Since XXXX, I have experienced repeated issues with receiving billing statements for my credit account due to unreliable mail delivery at my previous address. This has prevented me from reviewing my statements or making timely payments. 
Additionally, my cellular device was stolen, which has further restricted my ability to access account information through email or online portals. As a result, I have been unable to make payments or stay updated on my account status. 
In XXXX, I attempted to investigate the matter and discovered that my statements had not been reaching me. Despite my efforts to stay on top of my obligations, the circumstances have led to missed payments, which I believe constitute billing errors under the Fair Credit Billing Act ( FCBA ). 
I am now requesting that the company : XXXX. Update my address to ensure future correspondence is received promptly. 
XXXX. Provide me with a current billing statement by mail so l can remit payment immediately. 
XXXX. Waive any late fees or penalties related to these issues while an investigation is conducted. 
These events have caused unnecessary stress, and I hope to resolve this matter promptly. 
This description excludes your personal details

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 2024-12-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the XXXX period allowed by law.

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 2024-12-17 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX 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 2024-12-17 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: MI

Complaint narrative:
the date was XX/XX/year> I believe unsure of the time. The total was XXXX. I believed it to be unauthorized because I lost my phone with all my cards inside while I was walking my dog in my apartment complex. And had multiple unauthorized transactions made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I hereby address the Consumer Financial Protection Bureau for help on the permanent removal of an old authorized user account that is still showing on all of my credit bureaus from Synchrony Bank. Back in XXXX my boyfriend at that time placed me on his account to help me build my credit scores. We terminated our relationship in XXXX. I asked him to be kind enough and remove my name from that account, as I was never a responsible party. His name is XXXX XXXX, and he claimed that he removed my name as an authorized user back in XXXX. This account is still on each credit bureau, and I need it removed permanently. 

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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute this account ( XXXX ). This debt was written off, and no 1099-C was issued as required by IRS XXXX XXXX. Under FCRA Section 623 ( a ) ( 1 ), this information is inaccurate and unverifiable. Failure to delete this account violates my rights under the FCRA and may result in a complaint to the CFPB or legal action. Please delete this account 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief