vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$3300.00} XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$2300.00} XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXXXXXX XXXX {$2000.00} Late Payment XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$30000.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Bankruptcy Chapter XXXX Bankruptcy - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX Also Known As : XXXXXXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
Starting in XX/XX/year>, my business bank account at XXXX XXXX  was attacked by cash app fraud. From XX/XX/XXXX through XX/XX/XXXX, there were 73 fraudulent transactions just on one business account. The total amount stolen so far from that account is {$31000.00}. I have fought with cash app and my bank almost daily, filing multiple disputes. Between my bank and cash app, there have been only 26 credit/refund transactions totaling {$18000.00}. I closed my cash app account back in XXXX. I am blocked from opening a new cash app account, yet to this day, cash apps keep coming out of my business bank account and are sent to an account in my name or some random stranger 's name. I can not stop the transactions and I don't have access to the funds once they're stolen. My bank can not stop them. When refunds are issued from cash app, they charge me a 1.75 % fee. My money was stolen and I had to pay a fee to get it back, over and over again. My personal account and a second business account at the same bank were also attacked, and I can calculate the total fraud for them as well. On top of all of that, XXXX XXXX  has charged me close to {$1000.00} in overdraft fees despite knowing the overdrafts were caused by fraudulent transactions. I included a screenshot of recent transactions but I can provide proof of all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit file immediately. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$700.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX  - Opened : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
it has now been almost a month since ive had access to my Ally bank checking and i have tried to request to have my account closed and my funds mailed to me but i have not been getting the help i deserve or need. just constant runaround from the Bank. 

I want my account closed and my funds mailed to me, i have over XXXX in the account that i transferred in from another checking account i own and i can not for the life of me get my money back. they are holding it XXXX, i dont want to continue business with this bank. my account was locked for no legitimate reason and for that i want to close this checking account. i want my money mailed to my address on file

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 2024-12-10 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.

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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello. During my employment at XXXX XXXX, there was a large data breach in XXXX, where I was notified that my information was stolen from a third party company XXXX XXXX used. XXXX XXXX then allowed free credit monitoring to those affected through a website called XXXX. Here I was able to log in with my social, and other personal information, to see any changes to my credit. This is when and how I was made aware of these fraudulent accounts. There were XXXX credit cards opened. One for Capital One, which is where I am having this problem. The Capital One card had a Credit limit of {$300.00}, and has an account balance of {$460.00}. I can not log into to see this account on Capital One because I do not have the account number, since I did not create the account. I have called Capital One on multiple occasions, informing them of this fraud. They take my information, then tell me they will reach out within a certain amount of business days, but they have yet to do so throughout the year I have been trying to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
I am writing to formally request the blocking and deletion of the following account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this entry is unauthorized. 
The following account must be blocked and deleted immediately : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$1500.00}

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Regarding the XX/XX/2024, issue I had with XXXX for purchasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and necklace, my account was credited for the full amount. However, XXXX reported my account late to all three credit bureaus. I filed a complaint with Experian and was informed that the information reported was correct and that they would not change it. After their XXXX investigation, my dispute was settled, and my account was credited. Hence, the negative report to all three credit bureaus should also be corrected. 
See below for the previous report I filled. : On XX/XX/2024, I purchased an XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for my son. According to XXXX, the item was delivered to my home. I checked with all my neighbors and no one saw the package. I called XXXX several times and informed them I had not received the item. I filed a dispute and was denied. I was told by XXXX XXXX customer service financial service supervisor that once the item is shipped out, XXXX is not responsible for it. I was also told to go to my local police Precinct and file a report. I did and was informed that because of the high volume of petty theft in my neighborhood, they were unable to take the report. I also informed XXXX that in my neighborhood there are several persons with the beginning of my address and what differentiates the homes is the street number, because the XXXX delivery takes a picture it does not necessarily mean it came to XXXX XXXX. I went to several XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and asked about the package and no one seemed to have gotten it. I was charged late fees and XXXX has placed a late payment on my credit report because of this item. I have called them several times but no one is willing to help. It is difficult for me to pay for an item I did not receive. Purchased online on XX/XX/2024 Order # XXXX | XXXX item

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 2024-12-10 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VT

Complaint narrative:
I noted that there was an issue with the way my student loan payments are being allocated. I attempted to contact the company to make changes ; however, the only contact number provided by the company, is now for a company that is selling medical alert necklaces. They have a chat option- which I tried as well - but it seemed that the chat also goes to the medical alert necklace company. Until I can verify where my information including account numbers is going I do not want to provide that issue via a chat. I want to speak with a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint due to ongoing errors and violations in the reporting of my Capital One account ending in XXXX. Despite disputing these inaccuracies for over XXXX months with Capital One and the credit reporting agencies, no corrective action has been taken. These errors are severely damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are listed as XX/XX/year> and XX/XX/year>, which are future dates and clearly impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Account Status : The account shows a {$0.00} balance and is marked as Closed and Paid, yet it continues to reflect a Negative status and a 30-day late payment. This is misleading and inconsistent with the account being settled and paid.

Failure to Correct Disputed Information : Despite multiple disputes, Capital One has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ).

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file.

Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ).

Capital One 's failure to correct these errors is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief