vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXormal Complaint Regarding Capital One Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally lodge a complaint against Capital One located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX for actions that I believe violate several federal consumer protection laws. The specific issues are as follows : 1. Fair Credit Billing Act ( FCBA ) Violation On XX/XX/XXXX, I noticed an account statement dated XX/XX/XXXX. Despite my timely written dispute sent to Capital One on XX/XX/XXXX, I have not received a response within the 30-day period mandated by the FCBA. This lack of response constitutes a violation of the FCBA, which requires creditors to acknowledge receipt of a billing error notice within 30 days and resolve the dispute within two billing cycles. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) Violation Subsequent to the disputed charge, I received multiple collection calls from Capital One, acting on behalf of Capital One. These calls were made before the 30-day validation period had elapsed, thereby violating the FDCPA, which prohibits debt collectors from contacting consumers before the validation period ends. 

XXXX. Fair Credit Reporting Act ( FCRA ) Violation Despite the ongoing dispute, Capital One reported the disputed charge as delinquent to the credit bureaus, adversely affecting my credit score. Under the FCRA, a creditor must mark an account as disputed when a consumer disputes the information, and they are prohibited from reporting information they know is inaccurate. 

XXXX. Truth in Lending Act ( TILA ) Violation The billing statement from Capital One failed to provide clear and conspicuous disclosure of the disputed charge, including the date and amount of the charge, as required by TILA. This lack of transparency impedes my ability to understand the terms and conditions of my credit account. 

I have attempted to resolve these issues directly with Capital One through attempts, e.g., phone calls, emails, and written correspondence, but have not received a satisfactory response. I respectfully request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to ensure compliance with federal consumer protection laws. 



Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
I am writing to formally request the removal of incorrect names and addresses from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. My credit report contains multiple variations of my name and addresses that do not belong to me. Below is my correct personal information : Correct Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Current XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Names and Addresses to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX I request that these erroneous entries be removed from my credit report immediately. Please provide written confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
My identity was stolen between XXXX and XXXX, and I worked really hard to restore my credit and work with local agencies to protect my identity. When I checked my XXXX credit score in XX/XX/XXXX, I noticed that there was alleged debt from Cell Phone / XXXX of {$190.00} spanning XXXX to XXXX, with charge offs for every month in that period. 

I never opened an account with XXXX, having used T-Mobile since XXXX until now, and did not make any new cell communication service purchases since. I don't recognize the amount, either. I believe that this was because of my identity theft. When I disputed the case, I was notified on XX/XX/XXXX that Jefferson XXXX XXXX XXXXXXXX purchased the debt and now they're threatening to collect it, and keep it on my credit report for 7 years. Now they're sending me through a XXXX 's portal to get me to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Accscient, LLC
State: GA

Complaint narrative:
Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition. 
Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSERemove account or be held accountable {$1000.00} per account.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-05 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and fraud. I XXXX XXXX information was stolen and breached by a person named XXXX XXXX I do not have much information on her I filed a report my life has been changed I suffered emotional damage do to the theft of my identity I have become homeless and my life is devastated do to the fraud of my information. I have contacted authorities I have fielded reports and tried calling the bureaus but no help. 

XXXX XXXX : Account number XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and fraud. I XXXX XXXX information was stolen and breached by a person named XXXX XXXX I do not have much information on her I filed a report my life has been changed I suffered emotional damage do to the theft of my identity I have become homeless and my life is devastated do to the fraud of my information. I have contacted authorities I have fielded reports and tried calling the bureaus but no help. 

XXXX XXXX : Account number XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00}

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 explanation
Consumer complaint received 2025-03-06 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Equifax has not provide a updated credit report, unable to dispute online, and placing late payments on closed accounts without verify payment method and contract.

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 2025-03-05 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: CA

Complaint narrative:
Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION, is reporting 1 inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This includes a XXXX late payment posted in XXXX of XXXX XXXXhis is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experience between the consumer and the person making the report. A late payment constitutes a " transaction ''. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2025-03-05 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: CA

Complaint narrative:
I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXXXXXX XX/XX/scrub>XXXX XXXX XXXX  XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit reporting agency advised me to fi lean identity theft report for deletion. I am requesting to mark these inquiries fraudulent and remove from my Credit Report.

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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 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 2025-03-05 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: NJ

Complaint narrative:
For the nth time, I'm here again disputing the same account. How many times do I have to do the same thing before they do their job? The issue is with a XXXX XXXX XXXXXXXX account that Experian falsely reports as " CURRENT, WAS PAST DUE 30 DAYS, '' while both XXXX and XXXX correctly report it as " PAID OR PAYING AS AGREED. '' Even in Experians own records, the payment history clearly shows an OK status for every single monthso why are they making up a delinquency that does not exist? This is not an accident. This is willful misconduct. Experians refusal to correct this false reporting is destroying my creditworthiness, creating unnecessary financial obstacles, and causing extreme stress. Under 15 USC 1681e ( b ), credit reporting agencies are legally required to ensure maximum possible accuracy. Under 15 USC 1681i ( a ), they are REQUIRED to conduct a reasonable reinvestigation when a consumer disputes an item. They have done NEITHER. At this point, Experian is knowingly violating federal law and acting in bad faith. Under 15 USC 1681n and 1681o, they are fully liable for statutory damages of up to {$1000.00} per violation, PLUS additional compensation for actual and punitive damages. Given how many times I have disputed this, those violations are stacking up FAST.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
To Whom It May Concern : My wife and I recently came across a U.S. Bank advertisement promoting a " 0 % introductory APR on purchases and balance transfers for the first 15 billing cycles ; thereafter, a variable APR applies. '' With our impressivXXXX XXXX score exceeding XXXX, we were motivated to apply for the XXXX XXXX XXXX  credit card. However, after our application was approved, we were shocked to find that U.S. Bank had altered the terms, imposing a 17.34 % APR on both purchases and balance transfers, along with interest charges appearing on our monthly statements. Despite multiple attempts to reach U.S. Bank 's customer service, we were told that the 0 % APR on balance transfers was only valid for the first 12 months, which contradicts the original advertisement. Additionally, when we logged into our account to initiate a balance transfer, the APR still showed as 17.24 %. This situation raises serious concerns about potential deceptive practices and highlights the need for further investigation to safeguard customers from falling prey to such misleading offers. Thank you for your time and supports.

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