vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Complaint : In over 30 years of being a cardholder, for several issuers, I have never had the need to dispute a transaction until a recent issue regarding an online seller while using my Capital One account.

Despite the companys numerous public claims of consumer interests, and assurances to support cardholders through the process with ease, my experience with Capital Ones dispute process has encountered : limitations in accessibility of and availability to legally entitled material documentation, restrictions upon cardholders for providing supporting documentation in support of disputes, gross misguidance or negligence in cardholder support or representation, gross inconsistencies or inaccuracies in process understanding at both employee and supervisory levels of cardholder support, inaccurate or inconsistent process followthrough with cardholder claim dispute requests, inaccurate or negligent instruction of cardholder rights and recourse, and observations of a overall claim dispute process by Capital One that appears to favor merchants/sellers over their own cardholders. Many of such observations appear to be in gross violation of consumer protection measures at both the federal ( FTC ) and state level. 
Evidence to support these statements is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good day. I have XXXX commercial accounts the first was XXXX XXXX XXXX which was closed following constant similar issues with accepting payment to business account. The current account which is XXXX XXXX is also having the same issues which is affecting my companies ability to function properly. This new account has only accepted XXXX payment after having chase business teller help me set it up to accept payments using the chase business quick pay app that's for business only. Chase bank has put a hold on money that I need to keep my business running. I took a payment of {$8500.00} from a commercial gym client who owns a chain of facilities names XXXX XXXX. I believe chase is not properly acting as a fiduciary and keeping my interest. They are fraudulently closing my access to funds owed. Now i have no money and I don't have the products the clients purchased. The quick payment merchant service teller told my business teller to have the client report the transition with there card issuer as this will be the only way i can refund the money and get the client to make other payment arranges. I used the actual chase quick pay add plus I ordered the Chase mobile card reader for ease of accepting payments. It was a {$120.00} purchase. Will this issue continue if I have the reader? 

I travel across the USA and leaving XX/XX/year> to pick up equipment for clients that I must pay for. Now I will be loosing clients and equipment that I sourced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX, Bank of America XXXX # XXXX XX/XX/XXXX, Bank of America XXXX # XXXX XXXX XXXX XXXX XXXXO : Lending Team, Bank of America XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Trustee XXXX : XX/XX/XXXX SUBJECT : Denial of Credit Application for XXXX XXXX XXXX XXXX XXXX XXXX Credit Card CREDIT CARD APPLICATION REFERENCE NUMBER : * XXXX *STATUTORY AUTHORITY : Pursuant to 15 U.S.C. 1602, as the original creditor, I am entitled to credit. ( See XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, at XXXX ( S.D.N.Y. XX/XX/XXXX ) ). 

The credit transaction at issue was predicated on 15 U.S.C. 1611 and 12 U.S.C.A. 1411. ( See In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 

*VIOLATION OF LAW : The denial of my credit application constitutes fraud and is unlawful under the Truth in Lending Act ( TILA ), 15 U.S.C . 1602 ( g ) and 15 U.S.C. 1602 ( l ), as well as 12 CFR 1002. ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ). 

*SECURITIES FRAUD AND EQUAL OPPORTUNITY ACT VIOLATION : By withholding access to my securities, Bank of America has committed securities fraud and violated the Equal Opportunity Act and Consumer Credit Protection Act. ( See 15 U.S.C. 1691 ( a ) ; 12 CFR 202.2 ; and SEC XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) ). 

*REQUEST FOR RELIEF : * I demand that Bank of America XXXX XXXX. Reconsider my credit application and approve it forthwith. 
XXXX. Provide me with access to my securities. 
XXXX. Cease and desist from engaging in any further unlawful practices. 

XXXX : The denial of my credit application and withholding of access to my securities are clear violations of federal law. I expect a prompt response and resolution to this matter. 

XXXX XXXX, XXXX XXXX XXXX XXXX Trustee

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 2025-03-12 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: MD

Complaint narrative:
XXXX writing because Ive noticed an inquiry on my credit report that I dont recognize and certainly did not authorize. This appears to be a fraudulent inquiry, and XXXX extremely concerned about its impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

US DEPARTMENT OF EDU ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$30000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$38000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: PR

Complaint narrative:
Acima company have been reporting wrong amount if the credit owned, i was discharged on bankruptcy, i have submitted emails with the appropriate amount to XXXX and disputed the charges and they ( XXXX and acima ) say that they have investigated the issue and have not removed the account from the credit reporting agency XXXX. XXXX have the documents of XXXX XXXX discharge and emails when i got approval for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act Complaint Summary : I am writing to formally dispute inaccurate information reported on my credit report by TransUnion, which I believe violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I identified discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, Creditor Remark. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, Closed Date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request a prompt investigation. I previously submitted a request for reinvestigation, referencing the following sections of the FCRA : 1. Section 609 ( a ) ( 1 ) ( A ) : Requires verification of accounts through original documentation. 
XXXX. Section 611 : Ensures the right to dispute inaccuracies and request an investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Mandates the removal of unverifiable information not validated by the original creditor. 
XXXX. 15 U.S. Code 1681e ( b ) : Requires that procedures for including information in credit reports ensure maximum possible accuracy. 
Despite my dispute request, TransUnion has failed to conduct a thorough investigation or resolve these discrepancies within the XXXX timeframe required by the FCRA. As a result, inaccurate information continues to negatively impact my creditworthiness. 
I also emphasized that, as per 15 U.S. Code 1681i, any unverifiable information should be removed immediately from my credit report within the mandated XXXX period. Additionally, 15 U.S. Code 1681s-2 holds furnishers of information accountable for investigating and correcting any inaccuracies upon receiving notice of a dispute. 
Additional Information : Please find attached relevant documents, including my credit report and any supporting evidence for your review. 
I respectfully request that you investigate these discrepancies, correct any inaccuracies, and remove any unverifiable information from my credit report in compliance with the Fair Credit Reporting Act. Thank you for your immediate attention to this matter. 

Sincerely,

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 2025-03-12 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This debt is in an open case for bankruptcy. This case was reopened with the bankruptcy courts and all collection efforts should cease. The company was previously notified of this, but continues to send written communication and call daily.

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 2025-03-12 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: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2025-03-12 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-12 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account 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 2025-03-12 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-12 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief