vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Complaint Regarding Unfair Account Closure and Charges To Whom It May Concern, I am writing to file a complaint against Capital One for unfairly charging me fees and closing my account after I made efforts to pay off my balance. My account was in good standing with a consistent history of on time payments. The situation has caused financial and emotional distress, and I believe their actions were unjustified.

Details of the Issue 1. Account Closure : Capital One closed my account after claiming a returned payment violated their terms. However, the returned payment occurred due to processing delays beyond my control.

2. Payment Made : Prior to the account closure, I paid {$800.00} toward my balance. {$500.00} one card and {$300.00} on the other card. Despite this payment, Capital One charged me for an overdraft and additional fees after the account was closed.

3. Lack of Transparency : When I contacted Capital One for clarification, they refused to acknowledge how their processing times contributed to the returned payment. When I viewed mu account in the app, I noticed my accounts were restricted. I called the company on December 19th and was told it was closed due to fraud that someone reported. As the only authorized user on the account, and having not reported of credit card being lost or stolen, I was taken aback. They have closed my account without an investigation and giving proper notice.

Why I Believe This Is Unfair The returned payment resulted from a delay in processing, not from insufficient funds or any deliberate fault on my part. The payments cleared with my bank account.

I made a good-faith effort to pay my balance, and the account closure and subsequent fees penalized me unfairly.

Capital One has not provided adequate justification or documentation to support these charges or their decision to close my account. 


Resolution Requested A refund of the overdraft and any additional fees charged after the account closure. 

An acknowledgment of how processing times contributed to the issue. 

A review of Capital Ones policies regarding returned payments and account closures to ensure fairness for other customers. 


I hope the CFPB will investigate this matter to prevent similar issues for other consumers. Please let me know if you need further details or documentation to proceed with this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
It has been three years since this incident occurred. One random day The app didnt seem to work and it ask me to verify my identity, tried multiple times to do it never went through. At first it didn't allow me to withdraw money and then it said to contact them for support, never in 3 years did i get a real response back and have given up until I've seen someone with the same experience said they got helped with yall.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a notification that a Capitol one credit card with a XXXX limit was opened under my name. This notification was from XXXX XXXX on XX/XX/XXXX. I filed a dispute with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX : Account # XXXX : Balance : {$1300.00} Fraudulent Account : XXXX XXXX XXXX : Account # XXXX : Balance : {$890.00} Fraudulent Account : State Employees : Account # XXXX : Balance : {$4200.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4700.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4400.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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 am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a bankruptcy filed XX/XX/XXXX with XXXX XXXX XXXX TEXAS, an auto loan account opened XX/XX/XXXX with XXXX  XXXX, an account with XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXX and fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received XXXX letters that someone used my Identity to apply for a Credit Card. 
I did not apply for any Credit Cards and I am very concerned that someone has access to my identity. 

The Letters were from Capital One Bank and XXXX XXXX. 

They Used A Middle Initial that is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
Approximately around XX/XX/XXXX, Discover card decided to close my account. At that time, total owed was {$8400.00}. My account was opened in XX/XX/XXXX. I made all of my payments early, and overpaid by at least {$11.00} or more every month. They had sent me a request is for account verification. At the time, I had a difficult work schedule. I requested at least two extensions for this process since it required me to go inside my bank and get a letter signed by a notary. 
I finally was able to do this process, but it was after their deadline. I have been punished for being an excellent customer. My goal is to reactivate my account to take advantage of the benefits offered, or if they do not, I wish to make the rest of my payments interest free, or at least half the debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This all alone do not belong to me Im a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This all alone do not belong to me Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
I was selling a piece of furniture. Scammer said use XXXX. Since it was part of US Bank ( my bank ) I thought it was safe. Scammer said they couldn't send that large of amount and said I have to send {$400.00} to get it going and then they would send the money. I was stupid for letting this happen. US bank said they couldn't do anything. I was out {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I am submitting this complaint against Upstart Loan Operations and Holdings, due to their persistent bad business practices, including inaccurate and inconsistent credit reporting, failure to comply with federal consumer protection laws, and negligence in handling the transfer of an account to a third-party debt collector, XXXX XXXX XXXX XXXX These practices have caused significant harm to my creditworthiness, financial reputation, and overall well-being, and reflect an ongoing pattern of noncompliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Unfair, Deceptive, or Abusive Acts and Practices ( UDAP ). The account in question originated with Upstart, opened on XX/XX/XXXX, and was later sold to XXXX XXXX XXXX in XX/XX/XXXX. Despite my repeated efforts to resolve inaccuracies and inconsistencies related to this account, Upstart has failed to take corrective action or provide adequate documentation to substantiate the accounts legitimacy and reporting. Furthermore, their transfer of the account to XXXX XXXX XXXX was done under flawed and incomplete documentation, creating further confusion and inaccuracies in the reporting of this account to the credit reporting agencies ( CRAs ). This issue began when I identified discrepancies in the reporting of this account across all three major credit reporting agencies : XXXX, XXXX, and XXXX. These discrepancies include conflicting payment histories, improper charge-off timing, double reporting, inconsistent account open dates in attempt to misrepresent the debts age, defamation, and willful and negligent noncompliance with federal laws and regulations. I find Upstarts actions to be unacceptable and believe that the XXXX CFPB, and other consumer protection agencies should be informed of these practices. I have attached evidence, including credit reports, dispute records, and correspondence, to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, This Creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose

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 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX ' opened a collection account for a T-Mobile account that was opened as a result of identity theft that was previously resolved in XXXX and XXXX of XXXX. I did not open this account with T-Mobile. My data was released in the XXXX XXXX data breach and was subsequently used for identity theft. I filed a police report when I discovered the identity theft in XXXX, and immediately notified XXXX who investigated and confirmed the identity theft. In XX/XX/XXXX an additional police report was filed with XXXX notifying XXXX XXXX XXXX of the identity theft and fraud. I have notified Credence Resource Management that this account is a result of identity theft, that I have never opened this account, and have never resided in the state of Texas where the account exists, and that police reports have been filed with the XXXX regarding this identity theft. Nevertheless, XXXX XXXX XXXX refuses to provide additional information, and continues to attempt to collect on this account that is known to be the result of criminal fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
Hello, I am a victim of identity theft, there are 2 cards with amex opened on XXXX XXXX, XXXX  and XXXX XXXX, XXXX. Those credit cards were opened fraudulently, I spoke with amex and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On MULTIPLE occasions, I went to CashApp customer service through their chat interface to tell them about being defrauded and in every scenario I was asked to ask the fraudster for the money back. Time after time, my money was stolen and never returned. Furthermore, nothing was ever done about it. No investigations were launched. Chat records can prove this. Please investigate the issues I faced and refund all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Received call on XX/XX/24 at around XXXX I think from a XXXX XXXX concerning opening of Credit card in amount of {$9500.00} on a Chase Freedom Card in XXXX  Card ended in XXXX Gave me a case no. of XXXX. He indicated I would need to contact you and the next thing I know is I am supposedly talking to someone from your operation. Felt like it was a scam trying to get my personal information So I hung up and immediately call back. I was not very nice to him. Received call today same thing hung up on XXXX and tried to call you guys. No body works today accordioning to recording Please text before calling to assist XXXX and myself during normal working hours please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$670.00} Charged off XXXX XXXX XXXX Date XXXX Balance Owed : {$2700.00} Charged off XXXXXXXX XXXX Date XXXX Balance Owed : {$3400.00} Charged off XXXX XXXX Date OpenedXXXX Balance Owed : {$10000.00} XXXX off XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened:8/23/2019 Balance Owed : {$4500.00} Collection

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I deposited XXXX checks XXXX was written out to my name For business services that I provided to a corporation for {$1500.00}, but the corporation made a accidentally stop payment on the check which I later received cash from that corporation. The second check was for {$1400.00} that was written out to a business colleague of mine and endorsed on the back with my signature so I can be able to deposit it I advised my business colleague that wants the check clears, which it did that I well give him the funds because he didnt have a bank account and he didnt want to risk the fees so I told him I would do it for him. later, my account was restricted, because I was advised that I can not sign over a check thats not in my name And that they will end my relationship and any remaining funds in the account they will send out a closure check.now its XXXX XXXX XXXX I have not received any communication whatsoever. It has been more than 30 days I have been calling every other day with The same result Capital one has failed to send my remaining funds in my account and is holding my money on purpose all my checks have cleared so I will be suing/small claims in the next 30 days if I dont hear anything regarding my funds in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief