vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: TN

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Information in Credit Report Dear Sir or Madam, I am writing to dispute the following information in my credit report issued on. This item is inaccurate and incomplete, and I am requesting its removal or correction under the Fair Credit Reporting Act, 15 U.S.C. 1681i. I want reported accounts removed from... 

1. Equifax 2. TransUnion 3. Experian 4. XXXX XXXX **Issue** : Credit Reporting Please investigate this matter and delete or correct the disputed item as soon as possible. Furthermore, if the reporting agency or creditor is found to be negligent or noncompliant in verifying this information, I reserve the right to seek remedies under applicable laws regarding similar liabilities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Thursday last week, my fianc deposited {$1500.00} in cash at an XXXX ATM, which is part of Capital Ones network. The ATM took the money but failed to process the deposit. The funds never appeared in our account. 

I contacted Capital One immediately, and after multiple calls, I was told that the dispute process could take up to 45 days to resolve. They also said I would not receive a provisional credit ( temporary refund ) until 11 days from now, leaving me without access to my own money for nearly two weeks. * This is unacceptable and causing serious financial hardship. I have bills due and need these funds now. I have tried escalating this within Capital One, but they refuse to expedite the process or provide any solution beyond waiting. This is my second major issue with the bank in a few months ( previously affected by a nationwide outage ), and I am now questioning whether my money is safe with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, So, Unfortunately I had a trip scheduled for my fiance and I for XXXX XXXX XXXX but we couldn't go because on XX/XX/XXXX, my mother in law XXXX XXXX XXXX. We have since been residing in XXXX, NY taking care of her full time. I met the requirements for a full refund but XXXX XXXX denied me, so I filed a claim through my chase sapphire reserve travel protection insurance as I made the purchase with this credit card. I provided a medical note proving my mother in law her XXXX XXXX XXXXXXXX from a fall and needed a care taker, the itinerary for the trip, proof of cancellation, proof of payment via bank statement, total itinerary expenses, the XXXX XXXX cancellation policy, trip information and everthihg else requested. I submitted this on XX/XX/XXXX, and was told to wait 7-10 business days. It is now the XXXX business day, no adjuster has looked at my claim and I call chase 1 or 3 times a day to be given the run around about how it's going to be looked at, the business days time frame keeps changing. This is HORRIBLE behavior from chase and I should not have to pay {$550.00} in an annual fee for this card. 3 years with chase and this is what you get ... .I just want my total compensation back which is almost {$1500.00} for a trip i can't go on with travel protection that I pay for and insurance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: GA

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

Company 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 2025-03-17 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, that violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely manner to prevent any fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( 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 XXXX XXXX XXXX XXXX XXXX  ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-03-17 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: CA

Complaint narrative:
XX/XX/XXXX, XXXXXXXX XXXX PST I purchased three event tickets from XXXX for an event in XXXX scheduled for XX/XX/year>. 

Immediately after the transaction, the XXXX confirmation indicated that the tickets would be delivered on the day of the event, XX/XX/XXXX. These are personalized paper tickets required for entry, meaning I can not attend without them. Additionally, I need the tickets in advance to apply for a XXXX visa to travel to XXXX. Since the event only issues physical tickets, and if they are sent to me in the U.S. on the day of the event, it would be impossible for me to fly to XXXX and attend. The delayed ticket delivery creates an insurmountable barrier to using the service I paid for. 

Recognizing this issue, I contacted both the merchant and my bank within an hour of the transaction. 

XX/XX/XXXX, XXXXXXXX XXXX PST I filed a dispute with my bank, which was placed in a pending status. 

XX/XX/XXXX, XXXXXXXX XXXX PST A XXXX customer service representative informed me that my tickets would be canceled and a full refund would be issued. Based on this assurance, I contacted my bank to cancel the dispute. 

XX/XX/XXXX On a second call with XXXX, I was informed that my tickets could not be canceled after all. 

XX/XX/XXXX, XXXXXXXX XXXX PST I reached out to my bank to re-open the dispute. 

XXXX misled me twice : first, by failing to disclose the ticket delivery timing before purchase, and second, by stating that my order could be canceled and refunded, only to reverse that position later. The fact that tickets for a XXXX event were set for same-day deliverywithout prior noticemade them unusable for me, as visa requirements and travel logistics made it impossible to attend under these conditions. 

My claim remained under investigation for one month and 13 days. 

XX/XX/XXXX, XXXX XXXX  My bank rejected the claim, stating : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. 

I provided my bank with clear evidence, including : a ) The merchant did not disclose the ticket delivery terms before purchase. 
b ) A confirmation from the merchant, after purchase, stating that the tickets would be delivered on the day of the eventeffectively preventing me from using them. 

Despite this, my valid claim was wrongfully denied, disregarding both the merchants failure to provide critical information and their contradictory statements. This situation is a clear violation of consumer financial protections, as I was charged for a service that can not be reasonably used due to undisclosed conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
On XX/XX/year> an address attached to an inaccurate account ( XXXX  ) was not reporting but on XX/XX/year> it is all of a sudden appearing on my report without my authorization or any validation from me. The address attached to that inaccurate report from XXXX is not a residential address. I have NEVER lived there and that address is not mine ( please see attached ). This is a violation of FCRA 15 USC 1681.According to this section, negative information must be removed from a credit report. The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. I was able to obtain on my own copy of the contract from XXXX, and again the address in inaccurate, the phone number is inaccurate, the email is inaccurate and there is a false signature on it that does not belong to me ( see attached ). Due to the inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. This is my second complaint about this account and it is past the original 30 day request to have it validated. Equifax has failed to provide verification but continues to report false information on my credit report. Also it is reporting late payments which is a violation a 15 US.S Code 1681 ( 4 ). I have the right to privacy and any reported late payments are a violation of my privacy. These are all inaccuracies reported by Equifax. Creditors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. If Equifax does not remove this inaccurate account immediately I will be pursuing legal action against them for this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
TRANSUNION is violating my rights by refusing to remove fraudulent information a fraudulent closed account from XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) from my credit report, despite my cease and desist request and submitted FTC report. This noncompliance is a direct violation of 15 U.S. Code 1681s-2 and 15 U.S. Code 1681c-2, and I demand immediate action to rectify this issue. I have no knowledge of this account. Per 15 U.S. Code 1681s-2 ( a ) ( 8 ) & 1681c-2, I request an immediate cease and desist of any reporting and the prompt removal of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I financed a {$52000.00} solar system through GoodLeap in XX/XX/year>2021, installed by XXXX XXXX. Since installation, the system has never worked, yet GoodLeap refuses to cancel my loan despite : XXXX. XXXX XXXX admitting system-wide failures ( email from Director of Solar Education XXXX XXXX XXXX XXXX XXXX 

XXXX. GoodLeap XXXX XXXX XXXX shifting blame back and forth, refusing to take responsibility. 

XXXX. Pure Energy demanding I pay to remove the malfunctioning system, while GoodLeap insists I must continue payments for a failed product. 

XXXX. I have paid over {$21000.00} for a non-functional system, and my energy bills have increased instead of decreased. 


GoodLeap claims they are just the lender, but they actively finance XXXX XXXX and have a responsibility to ensure financed systems work. 


XXXX XXXX XXXX GoodLeap Was Held Responsible Before This situation mirrors the XXXX XXXX case, where GoodLeap financed another fraudulent solar company that went bankrupt. 

In that case, GoodLeap was forced to cancel loans because they financed systems that never worked.

If GoodLeap was held accountable for XXXX XXXX, they must also be held accountable for XXXX XXXX. 


Legal Violations Truth in Lending Act ( TILA ) Violations Financing a defective product with hidden fees. 

Texas Deceptive Trade Practices Act ( DTPA ) Lending money for a non-functional system and refusing to cancel.

Resolution Demanded Full loan cancellation & removal of all negative credit reporting. 

Full refund of the {$21000.00} in payments made. 

Investigation into GoodLeaps solar financing partnerships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-17 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Consumer Complaint Against American Express Fraudulent Credit Reporting & Unfair Business Practices To Whom It May Concern, I am filing a formal complaint against American Express ( AMEX ) for fraudulent credit reporting, deceptive business practices, and unfair financial harm. 

Summary of Issue : On XX/XX/XXXX, AMEX closed my credit card account ( # XXXX ) without prior notice following a so-called " Financial Review. '' This abrupt and unjustified action caused severe financial hardship. However, instead of properly reporting the account as " closed '', AMEX deliberately referred to it as " restricted '' to continue reporting late payments and a growing balance to credit bureaus, unfairly damaging my credit score.

Additionally, AMEX engaged in fraudulent and deceptive practices by : Continuing to charge interest and late fees until XX/XX/XXXX, despite the account being closed. 
Charging an unauthorized annual membership renewal fee of {$620.00} on XX/XX/XXXX. 
Charging another unauthorized fee of {$620.00} on XX/XX/XXXX. 
Failing to officially close my account to continue accruing fees and interest, harming my financial situation further. 
Deliberately delaying the official closed status until XX/XX/XXXX, making it appear as if I still owed an active balance for a year. 
Falsely reporting inaccurate and inflated balances to credit bureaus, violating federal consumer protection laws. 
These actions are fraudulent, deceptive, and intentionally designed to cause maximum financial harm to consumers struggling in the post-COVID economic crisis. By keeping accounts in a restricted status rather than officially " closed, '' AMEX profits by collecting fees from innocent customers while simultaneously destroying their creditworthiness. 

Violations of Federal Laws : AMEX 's conduct violates multiple consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ] Prohibits furnishing inaccurate information to credit bureaus.

Truth in Lending Act ( TILA ) [ 15 U.S.C. 1601 ] Protects consumers from unauthorized charges and excessive fees on closed accounts.

Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ] Prevents deceptive collection practices and unlawful reporting.

Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5531 ] Prohibits unfair, deceptive, and abusive acts in financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone been opening up accounts in my name. I got hired at a a scam job in that stole all my information and I believe there trying to use it The job is called bright way shipping service Its a lot if unauthorized inquiries on my credit report for strange experience and XXXX and I would like them removed I put a freeze on my account so no one else can try. They have my XXXXXXXX XXXX XXXX  information they told me they was gone pay

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 2025-03-17 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: AL

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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