vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Submitted by : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Email : XXXX Date : XX/XX/XXXX This is a formal complaint update to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by Capital One XXXX, XXXX. The complaint concerns Account # XXXX, reported as a charged-off credit card account. 

As of my most recent credit report from XXXX  ( dated XX/XX/XXXX ), Capital One continues to report this account as charged off, with a written-off amount of {$4400.00} and a past due balance of {$4400.00}. More concerningly, the charge-off status has been extended through XX/XX/XXXX despite being previously reported as having been charged off as of XX/XX/XXXX. 

This discrepancy appears to represent unlawful re-aging of the account to make it appear more recently delinquent. Additionally, the balance has increased post-charge-off from an original amount of {$3500.00} without any payments, activity, or disclosure of interest charges. This is deceptive, harmful to my creditworthiness, and directly conflicts with the FCRA 's requirements. 

Violations include : - FCRA 1681s-2 ( b ) : Failure to correct inaccurate data after dispute - FCRA 1681e ( b ) : Failure to ensure accurate reporting - FCRA 1681c ( a ) ( 4 ) : Illegal re-aging of delinquent information I have sent Capital One a Method of Verification ( MOV ) letter, and a Notice of Intent to Sue has been issued. I respectfully request the CFPB to investigate this account and compel Capital One to provide documentation or correct/delete the tradeline from all consumer reporting agencies. 

Supporting documents are attached, including my dispute letter, Experian reporting history, and notices sent 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
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: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a formal complaint update to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX, XXXX. The complaint concerns Account XXXX XXXX, reported as a charged-off credit card account. 

As of my most recent credit report from Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX continues to report this account as charged off, with a written-off amount of {$4400.00} and a past due balance of {$4400.00}. More concerningly, the charge-off status has been extended through XX/XX/XXXX despite being previously reported as having been charged off as of XX/XX/XXXX. 

This discrepancy appears to represent unlawful re-aging of the account to make it appear more recently delinquent. Additionally, the balance has increased post-charge-off from an original amount of {$3500.00} without any payments, activity, or disclosure of interest charges. This is deceptive, harmful to my creditworthiness, and directly conflicts with the FCRA 's requirements. 

Violations include : - FCRA 1681s-2 ( b ) : Failure to correct inaccurate data after dispute - FCRA 1681e ( b ) : Failure to ensure accurate reporting - FCRA 1681c ( a ) ( 4 ) : Illegal re-aging of delinquent information I have sent XXXX XXXX a Method of Verification ( MOV ) letter, and a Notice of Intent to Sue has been issued. I respectfully request the CFPB to investigate this account and compel XXXX XXXX to provide documentation or correct/delete the tradeline from all consumer reporting agencies. 

Supporting documents are attached, including my dispute letter, Experian reporting history, and notices sent to 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 explanation
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure accuracy.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I am writing to formally dispute the inclusion of a Nordstrom account on my XXXX credit report. This account does not belong to me ; it is the responsibility of a family member, and I have never been financially liable for it nor have I authorized its inclusion on my credit file. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611 ( 15 U.S. Code 1681i ), you are legally obligated to ensure that all information reported is accurate and verifiable. Reporting an account that is not mine constitutes negligence and willful noncompliance, as defined under FCRA 616 and 617, and exposes XXXX to liability. 

Effective immediately, I will begin charging XXXX {$100.00} per day for every day the inaccurate information remains on my credit file after the receipt of this notice. This fee reflects the harm caused by the continued publication of false information and the time I must spend rectifying your errors. 

I demand the immediate deletion of this Nordstrom account from my credit report and expect written confirmation of this action within 15 days, per FCRA timelines.

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 — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX, XXXX XXXX  transferred my debt to XXXX XXXX XXXX and immediately stopped accepting payments. 

XX/XX/XXXX, I paid XXXX XXXX  XXXX  and received a {$0.00} balance statement. 

As of XX/XX/XXXX, I have a XXXX XXXX  outstanding balance that is incorrect and needs to be removed from every credit bureau.

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: EdFinancial Services
State: GA

Complaint narrative:
I am filing this complaint against Edfinacial Solutions due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from Edfinacial Solutions, which has caused my credit score to drop significantly. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus.

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Edfinancial Solutions raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Edfinancial Solutions may have incorrectly or fraudulently reported late payments that I did not actually incur. 
3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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: CA

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 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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year> I disputed inaccurate information that appeared on my credit reports with XXXX, Equifax, and XXXX. I provided documentation supporting my claim and explained that the reported information was not correct. 

Despite my request, the credit bureaus initially maintained the inaccurate data. However, after further review and submission of supporting documentssome of which were provided to them via XXXX from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) the credit bureaus updated my report using the information I submitted Bankruptcy document with improper spelling on first middle and last name they had me as XXXX XXXX XXXX XXXX, no one replied back in writing except Transunion by email, after they updated the correct spelling of my name on all three agencies. XXXX also had the wrong information of the spelling on my name on the Chapter XXXX Bankruptcy document. I have previously disputed { Public Record Name/ Reference # } with them verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately My concern is that the inaccurate data was reported in the first place, and it required multiple steps and additional third-party verification to be corrected. I am requesting that all three bureaus ( XXXX, Equifax, and XXXX  ) confirm in writing that the updated information is accurate and that the incorrect data has been fully removed. 

I would also like an investigation into how the wrong information was verified and reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dear XXXX XXXX Support Team, I am writing to escalate a serious issue regarding Apples refusal to refund my {$860.00}, despite returning the incorrect item XXXX sent me. I have attempted multiple times to resolve this issue through XXXX XXXX, yet my refund remains denied without valid justification. 

Issue Summary : Order Date : XX/XX/year> Order Number : XXXX Item Ordered : XXXX XXXX XXXX XXXX GPS + Cellular XXXX ( Natural Titanium Case, Dark Green XXXX XXXX - XXXX ) Incorrect Item Received : XXXX XXXX XXXX XXXX ( Apples shipping mistake ) Return Initiated : XX/XX/year>, per Apple Support instructions Return Delivered : XX/XX/year>, XXXX AM ( FedEx # XXXX, Signed by XXXX XXXX XXXX Apples XXXX XXXX PA XXXX ) Refund Denied : XX/XX/year> ( before XXXX XXXX received my return ) I fully complied with Apples return policy, returning the incorrect item as instructed. However, my refund was denied before XXXX even received my return, proving this decision was made without proper verification. 

Multiple Attempts to Resolve No Response from XXXX I have contacted Apple Support multiple times, but my refund request has been ignored or dismissed. Representatives have been rude, disconnected my calls, and refused to escalate my case. I even contacted my bank for a chargeback dispute, which was also rejected, leaving me with no resolution. 

Formal Demand for XXXX XXXX I demand immediate processing of my full refund ( {$790.00} ) within XXXX calendar days. Attachments : XXXX. Invoice Receipt ( Invoice Number : XXXX ) XXXX. Proof of Return Delivery ( XXXX  Tracking Number : XXXX, Delivered XX/XX/year>, Signed by XXXX XXXX ) XXXX. Email from XXXX ( XX/XX/year>, XXXX PM EST ) Denying Refund & Replacement Before Receiving Return XXXX. All Relevant Correspondence with XXXX Support I have contacted my bank apple card by Goldman sachs opened the dispute but it was denied I reopened the dispute and the Goldman XXXX didn't even put the correct information I don't feel like either of them have intentions of giving me my money or product. It's been almost XXXX months and still no resolution. I request you to please look into it. Thank you!

Company response to consumer: Closed with monetary relief