vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Starting on Thursday XX/XX/XXXX, our direct did not show up in my account with Capital One. 
This carried on through XX/XX/XXXX, we lost access to our account. 
We were then sent an email after stating there would be resolutions since this affected over XXXX people. 
We only had one payment on my bjs card due on the XXXX that could not be covered without the pay. 
But then they raised the minimum payment to {$90.00} from {$25.00}. 
I am low income, with a XXXX. 
And it is hard to keep up every week. 
When i called the number for help today XX/XX/XXXX, the agent was very rude and unhelpful. 
There were 2 late/ returned fees on the bjs card. One was automatically put back, but they denied the second fee refund. And said there was nothing that can be done!! 
Ridiculous, I even scheduled a payment on the card and it is still I'm collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.

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 2025-01-30 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against cashapp ( block , inc ) Due to lack of customer service and unfair practices, which violate the consumer financial protection act ( CFPA ), specially cashapp, failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected furthermore there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.

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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Per US code 1692c this account is to be deleted. Agency could not provide documentation and was advised to cease and desist all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate delinquency report on my credit file by Destiny Card ( issued by XXXX XXXX XXXX  ). This reporting violates the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of the inaccurate information. 

Account Details : Credit Card Issuer : Destiny Card Issuer Website : www.destinycard.com Issuer Phone : ( XXXX ) XXXX Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Due Date : XX/XX/year> Payment Date : XX/XX/year> Reported Delinquent Date : XX/XX/year> Nature of Dispute : Destiny Card reported my account as delinquent on XX/XX/year>, despite the fact that : 1. My payment was only 4 days late ( paid on XX/XX/year> ). 


2. The FCRA states that a late payment can not be reported as delinquent until it is at least 30 days past due. 


3. This inaccurate report has negatively impacted my credit score and financial standing. 

If the error is not resolved promptly, I will consider escalating this matter further, including legal action for FCRA violations. 

Please confirm receipt of this dispute and provide updates on the status of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AL

Complaint narrative:
Disputed against Experian about an account on my credit report that is a default judgement that shouldn't be reporting. The account is XXXXXXXX XXXX XXXX  with a default judgement of {$8100.00}. Experian did not properly investigate and made no changes to the credit reporting. Default judgements are no longer to report to credit report. Experian needs to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: KY

Complaint narrative:
Equifax has 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 Equifax, 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 Equifax has neither corrected nor removed disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
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 2025-01-30 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year>, I received an adverse action notice from Bank of America denying my credit application ( XXXX XXXX. XXXX ). 

The denial was based on alleged insufficient income, delinquency, and credit factors, but Bank of America failed to provide a proper opportunity to cure the decision. 

I exercised my right under Federal Reserve Act Section 16 and the Bill of Exchange Act by tendering my credit application as a security collateral per UCC Articles 3 & 9.

Bank of America refused to recognize the instrument as a valid security, violating 15 USC 1691 ( a ) ( Equal Credit Opportunity Act ) and 12 CFR 1002.6 ( Regulation B rules for credit evaluation ).

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 2025-01-30 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: PA

Complaint narrative:
Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 

* XXXX & XXXX XXXX. 
* XXXX * XXXX * XXXX * XXXX * XXXX The following violations apply : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : 1. Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report.

2. Investigating and addressing the improper furnishing and reporting practices that led to these violations.

3. Ensuring compliance with all relevant provisions of the FCRA going forward.

I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected. 
Supporting Documentation : I am prepared to provide supporting documents, including copies of credit reports and correspondence, to substantiate 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 non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 

* XXXXXXXX XXXX XXXX XXXX. 
* XXXX * XXXX * XXXX * XXXX * XXXX The following violations apply : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : 1. Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report.

2. Investigating and addressing the improper furnishing and reporting practices that led to these violations.

3. Ensuring compliance with all relevant provisions of the FCRA going forward.

I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected. 
Supporting Documentation : I am prepared to provide supporting documents, including copies of credit reports and correspondence, to substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
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 2025-01-30 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: IN

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report/account number XXXX, XXXX, and XXXX. I believe these entries are inaccurate or incomplete, and I request that you investigate the details associated with this account. 

Please provide me with the following documentation to substantiate the claim : A copy of the original signed agreement or contract that reflects my obligation to pay. 
A full payment history or statement of the account, including any fees or charges that were added. 
Any other relevant documents showing that I owe this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute any debt that I believe is incorrect or incomplete, and I am requesting that the account be removed or corrected as necessary.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: GA

Complaint narrative:
I told the company years ago that this is not my debt. I didn't approve an ambulance. I was drugged by the hospital without my consent. I didn't authorize, they made a decision for me this is notify debt. they could not show proof that I authorized this. I dont owe the debt. 

I never received any correspondence from this new company. I dont know of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX, XXXX, XXXX  amount {$490.00}. 
I called and ask for information which was not provided also frequent call everyday while I'm at work I've ask them to stop but yet I keep receiving calls daily Subject : Dispute Regarding Violations of 18 USC 1028A, 15 USC 6802, and 15 USC 1681b I hope this letter finds you well. I am writing to formally dispute certain actions or violations related to my personal information and financial data, which I believe are in violation of the following federal statutes : 18 USC 1028A Aggravated Identity Theft : I have reason to believe that my identity has been used unlawfully for fraudulent purposes, and this may be in violation of 18 USC 1028A. I request that you provide a detailed explanation of any actions taken that involve my personal identification data. 

15 USC 6802 Privacy of Consumer Financial Information : I have concerns that my financial information may have been disclosed in violation of 15 USC 6802, which ensures the privacy and protection of such data. Please provide an explanation and documentation regarding how my financial information has been handled or shared.

15 USC 1681b Permissible Purpose for Consumer Reports : Under 15 USC 1681b, consumer reports can only be obtained under specific permissible purposes. I believe that a consumer report involving my name and personal information may have been accessed without a legitimate, permissible reason, and I request clarification on this matter.

I respectfully request the following actions be taken immediately : A thorough review of any transactions, disclosures, or requests involving my personal and financial information. 
A detailed account of any entities who have accessed my consumer report, along with the purpose for such inquiries. 
A written explanation outlining how my personal and financial data has been safeguarded in compliance with the applicable laws. 
Please respond to this dispute within the time frame stipulated by law, which is typically within 30 days from the date of this letter. I expect that your office will address this matter promptly and provide me with the necessary documentation to resolve this dispute. If further action is required on my end to resolve this issue, I am prepared to cooperate accordingly. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief