vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX recommended that we file this complaint with you. 

We are filing a complaint against the Capital One Bank who has illegally sequestered our U.S. Treasury IRS refund check we deposited into our joint account on XX/XX/XXXX in the amount of {$30000.00}. According our attached bank statement, the funds should have been available the next business day on XX/XX/XXXX. The funds were owed to us due an illegitimate IRS penalty which we had previously paid. Please see the attached XXXX tax transcript last page which documents the XX/XX/XXXX refund check in the amount the check ( XXXX XXXX XXXX office assisted in the rightful IRS refund ). 

Despite numerous conversations with Capital One and providing them with documentary evidence that the check is legitimate ( see attached screen shot of the Treasury Check Verification System ), Capital One is refusing to release the check claiming confidential information ( which sounds very Big Brother-ish ) in the attached banks email to illegally sequester the check. We have a right to know what this confidential information is but the bank is refusing to disclose the basis for its actions. 

When pressed as to what is going on the bank says they just need to verify the check with the IRS ( which the IRS says the bank doesn't ) and that can take up to 60 days. 

For context, we have been the victims of numerous false criminal allegations which resulted in the loss of over a millions dollars of our assets.Among other things, in the past the police have frozen our bank accounts for over a year without probable cause so what Capitol One is doing to us is along the same track. 

Yesterday, XXXX spent over a half an hour on the phone with the Capitol One and offered to provide the documentation we are forwarding to you but the bank refused to accept it clearly demonstrating that Capitol One is not acting in good faith.Earlier today, XXXX went into the local branch here in XXXX, XXXX Maryland and talked to the local banker XXXX XXXX and gave him the documentation who said the check should be released but when XXXX and XXXX XXXX called the central office, the central office refused to release it. 

We are asking you to facilitate the immediate release of our check and ask Capitol One to disclose its confidential information that led to this illegal hold on our check. 

Thank you for your assistance, XXXX XXXX, MD PhD and XXXX XXXX, MA XXXX MS XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-27 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:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2025-03-27 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: IL

Complaint narrative:
A debt collection letter came to the home where we have lived for over 30 years, but with the name of XXXX XXXX. We purchased this house from the XXXX family. He obviously falsified his address and has done the same with medical bills. I believe he is deceased. Its Revco Solutions # XXXX for {$89.00}. I have contacted the medical companies too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time XXXX reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-03-27 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: FL

Complaint narrative:
Dispute with XXXX XXXX over charges received from XXXX for free trial. Provided proof that I was under a free trial, communicated and forwarded additional information. As a result, my credit score tanked. XXXX credit score XXXX, tanked to XXXX. Dispute was in process but XXXX XXXX marked XXXX months of late payments. I have filed disputes with all three credit reporting agencies but they only confirm that it is my account which I don't deny. All as a result of signing up for a 3 month free trial of XXXX and them charging me monthly anyway. I paid the total amount due which was about {$60.00}, plus late payment charges, and closed the account to avoid another monthly charge from XXXX. In the meantime, my husband and I applied for a mortgage. Credit rating used for both of us was XXXX. We are debt free, pay cash for everything, and pay off credit card balances monthly and this one issue is stopping us from getting a fair mortgage rate. Our entire credit history should be reviewed before giving us a low credit score. We have had excellent credit for over 40 years and one unpaid payment for two months has destroyed that. Can anything be done to rectify this?

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 2025-03-27 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: FL

Complaint narrative:
Dispute with XXXX XXXX over charges received from XXXX for free trial. Provided proof that I was under a free trial, communicated and forwarded additional information. As a result, my credit score tanked. XXXX credit score XXXX, tanked to XXXX. Dispute was in process but XXXX XXXX marked XXXX months of late payments. I have filed disputes with all three credit reporting agencies but they only confirm that it is my account which I don't deny. All as a result of signing up for a 3 month free trial of XXXX and them charging me monthly anyway. I paid the total amount due which was about {$60.00}, plus late payment charges, and closed the account to avoid another monthly charge from XXXX. In the meantime, my husband and I applied for a mortgage. Credit rating used for both of us was XXXX. We are debt free, pay cash for everything, and pay off credit card balances monthly and this one issue is stopping us from getting a fair mortgage rate. Our entire credit history should be reviewed before giving us a low credit score. We have had excellent credit for over 40 years and one unpaid payment for two months has destroyed that. Can anything be done to rectify this?

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 2025-03-27 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I entered into a payment agreement with National Debt Relief to settle my debt owed to Upstart Network , Inc . The arrangement was facilitated through XXXX XXXX XXXX XXXX. I paid a total of {$13000.00}, which included {$9300.00} for the debt settlement and the rest in fees to XXXX XXXX XXXX. Despite fulfilling my obligation by XX/XX/XXXX, I did not receive a paid settlement letter from XXXX XXXX XXXX XXXX until recently, after filing a complaint with the BBB. 

Due to the absence of a settlement letter, Upstart Network , Inc. sold the debt to XXXX XXXX in XX/XX/XXXX for the full amount of {$20000.00}, despite the debt being settled. When Upstart informed me that they had sold the debt and Velocity began their collection efforts, I provided Velocity with the settlement agreement we had reached. Velocity immediately issued me a Form 1099-C for the balance ( around {$11000.00} ), which I was responsible for in XXXX. 

Despite my efforts to resolve the issue, Upstart claims the matter is with Velocity, even though it should have never gone to them as I had already paid for it before it was incorrectly ( and potentially illegally ) sold. None of the businesses involved know what happened and keep tossing me around like a hot potato. 

XXXX XXXX : I am seeking assistance from the CFPB to resolve this matter by having Upstart remove their negatively reported line of credit from all three main credit bureaus and recognize that they sold the debt twice : once in XXXX ( settled ) and again in XXXX ( after it had been paid ). 

Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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 & 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 2025-03-27 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: CA

Complaint narrative:
This dispute is to inform your bureau is publishing inaccurate information. The issues on these accounts inaccuracy have ranged from the dates opened and closed, the account numbers, the amounts owed, their current status and even if theyve been delinquent at all. Now Im putting the onus on your bureau to prove every piece information is being reported accurately under the fcra and that Im responsible for the accounts I feel are erroneous with jpmcb auto in the amount of XXXX i have identity theft and have file a police 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 explanation
Consumer complaint received 2025-03-27 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
There was a mistake and the credit bureau sent a fraud claim to XXXX XXXX XXXX that XXXX dont have an issue with. Those are my student loans and I have never had a issue with my student loans.

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 2025-03-27 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-27 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief