vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am asking for assistance with figuring out if I have lost interest funds in regards to the Capital One savings matter and case I recently read about. I originally had a XXXX savings account with XXXX that was purchased and converted by Capital One years ago. At first everything stayed the same but over time I realized a few years back that my interest was minuscule and I sought a better rate, at the time, Capital One was offering a money Market account with good rates so I moved the majority of my savings into XXXX. Later down the road and more recently again I noticed the interest rate fell to very low amounts to where it started and again I looked up Capital One 's rates and found the XXXX Performance Savings account, which I then moved the majority of my savings and still have in an account to this day. I also have kept small amounts in both the original XXXX XXXX savings account converted by Capital One, along with the XXXX XXXX XXXX, both of which no longer have rates anywhere near they used to. 
My concern is how much interest I may have lost because instead of Capital One letting me know that they had a better rate I had to stumble upon this myself, starting with the conversion of my XXXX XXXX account which used to offer XXXX of the highest interest rates in the country. 
Please contact me for any further information I can provide. On my Capital One account I can only see statement up through XXXX, and the XXXX conversion took place before that so I have no way to provide those.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unfortunately, I have been a victim of identity theft and data breach, and my information was obtained fraudulently to open account accounts and open loans and credit cards, etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to theses specific companies XXXX XXXX and Capitalone Bank, Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Experian Credit Services Credit XXXX XXXX XXXX XXXX XXXX Department XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> Subject XXXX Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations. 
Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues.Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$1000.00} per violation found on my consumer report Thank you 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$10000.00} that was financed through XXXX XXXX paying {$300.00} per month. After XXXX monthly payments totaling {$5100.00}, my principal balance is XXXX. This means that after these XXXX payments the principal was only reduced by {$260.00}. Are there any regulations which governs this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 venerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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 2025-01-19 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:
Never recieved a 1099c from charge off account reporting on my 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 2025-01-19 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:
Never recieved a 1099c from charge off account reporting on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 the 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 action for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NY

Complaint narrative:
I received a letter in the mail XX/XX/XXXX or XXXX about my information being compromised by evolve bank, XXXX, trans union and XXXX and I was also for 10 years with all three credit bureaus I always been denied credit and was told its my credit score when by law thats consumer fraud .it is also XXXXXXXX discrimination played in some of these credit bureaus and Im a XXXX to this USA nation by law you are not supposed to be denied credit when its being pulled out or your social security number which according to common law in the USA its considered as a credit card and theres no reason why these companies are selling or trusting random people with mine and other people information. I have a credit freeze on the accounts and contacted the credit bureaus and told them my information was compromised in a data breach and I had to dispute the information online and on the phone to still have some false information added to my account that Im being told I have pay when by law I dont owe anything and once my information was compromised Im supposed to have my information removed and clears from the damage from the data breach.in this situation I deserve justice and respect and compensation due to this unjust situation.

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 2025-01-19 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: NY

Complaint narrative:
I received a letter in the mail XX/XX/XXXX or XXXX about my information being compromised by evolve bank, Experian, XXXX XXXX and XXXX and I was also for 10 years with all three credit bureaus I always been denied credit and was told its my XXXX XXXX when by law thats consumer fraud .it is also XXXX discrimination played in some of these credit bureaus and Im a native to this USA nation by law you are not supposed to be denied credit when its being pulled out or your social security number which according to common law in the USA its considered as a credit card and theres no reason why these companies are selling or trusting random people with mine and other people information. I have a credit freeze on the accounts and contacted the credit bureaus and told them my information was compromised in a data breach and I had to dispute the information online and on the phone to still have some false information added to my account that Im being told I have pay when by law I dont owe anything and once my information was compromised Im supposed to have my information removed and clears from the damage from the data breach.in this situation I deserve justice and respect and compensation due to this unjust situation.

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 2025-01-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-01-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12usc 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( file No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the Federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: MN

Complaint narrative:
TransUnion Fraud Victim Assistance XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. 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. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

Inquiries : XX/XX/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 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 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 an 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 Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
SincerelyXXXX 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 2025-01-19 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: NC

Complaint narrative:
These companies have leaked my credit to all requiring access on my credit report without my permission and has violated my rights by the fair credit protection act.

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 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XX/XX/year> Kingston Data and Credit XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Dispute of Debt Request for Validation and Documentation Account Number : XXXX Dear Kingston Data and Credit, I am writing to formally dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Ac

t ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). I request that you provide me with the following documentation to validate the debt : A copy of the original purchase agreement or contract that clearly outlines my obligation to pay this debt.

Evidence that you are legally authorized to collect this debt, including any assignment of rights or proof of ownership.

Under 15 U.S. Code 1692g ( b ), all collection activities must cease until the requested information is provided and the debt is validated. Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure the accuracy of the information you report to credit reporting agencies. Please provide verification that your reporting practices comply with this provision.

If you can not provide the requested documentation, I ask that you cease all collection efforts related to this matter and remove any associated negative entries from my credit report as required by law.

Finally, under 15 U.S. Code 1681c, outdated or obsolete information should not be included in my credit report. If this debt is older than the reporting time allowed by law, I request its removal immediately.

Please respond to this request within 30 days from the date you receive this letter. All future communication regarding this matter must be in writing and sent to the address provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation to dispute information on credit report, leaving inaccurate information unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian. alleging systemic issues such as failing to forward consumer provided evidence. These failures align with my experience, where Experian has neither corrected nor removed.

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 2025-01-20 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: IL

Complaint narrative:
Credit Bureaus have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX XXXX TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inactions violates federal law and my rights 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 explanation