vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I recently reviewed my credit file and discovered the following inquiries that I did not authorize : XXXX XXXX via Dealer XX/XX/year> XXXX  XXXX via Dealer XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681b ), companies are required to obtain express written consent before initiating a hard inquiry on a consumers credit report. I did not grant permission for these inquiries, and I request their immediate removal from my credit report. 

Please consider this letter as my formal dispute. I kindly ask that you investigate this matter and provide documentation proving my authorization. If you are unable to verify my consent, I request that these inquiries be deleted from my credit file promptly. 

Attached, you will find a copy of my identification and a recent copy of my credit report highlighting the disputed inquiries. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Respectfully XXXX XXXX UCC-1-308 Without Prejudice

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 2025-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
On XX/XX/XXXX, I discovered that my prepaid debit card from XXXX XXXX was missing. I initially suspected it might be in my car, but unfortunately, I had to travel out of the country for two months shortly after losing it. It wasnt until I returned that I noticed there were a total of XXXX unauthorized transactions that had been electronically transferred from my XXXX XXXX card to an anonymous XXXX XXXX XXXX The total amount of these fraudulent transactions came to an astonishing {$16000.00}. 

Upon my return to the United States, I immediately contacted XXXX XXXX to report the unauthorized transactions and file a dispute. They informed me that I needed to fill out a specific dispute form, which they promised to send to me by mail. I received the first of the two required forms, which only addressed a portion of the fraudulent charges, allowing for a claim of up to {$1000.00}. I promptly completed and submitted this form via email to XXXX. 

In response to my submission, XXXX XXXX  issued a provisional credit for the {$1000.00}. However, after several days of waiting for the second formneeded to dispute the remaining $ XXXX emailed them again with the completed second form as soon as it arrived. Unfortunately, despite my efforts, I received no acknowledgment or response to my second submission. 

On XX/XX/XXXX, I followed up with a call to XXXX XXXX only to be informed that my claim had been closed due to their failure to receive my second form. This lack of communication and the mishandling of my claim feels incredibly unethical and unprofessional, especially given the substantial amount of money involved. 

I am alarmed by my experience and suspect that this might not be an isolated incident, as I have heard reports from other users who have faced similar challenges with their claims. I opted to use XXXX XXXX  only because I needed to access funds from a pre-litigation settlement ; otherwise, I would never have chosen to bank with them. I believe an investigation into this company is warranted, as their practices seem to fail in protecting the interests of their customers.

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 2025-02-18 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information present on my credit report. Upon reviewing my report, I identified several discrepancies that do not reflect the truth of my financial history. I have always made it a priority to ensure that my credit matters are handled with the utmost care and responsibility, so I am confident that these errors do not belong on my record.

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 2025-02-18 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

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 2025-02-18 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Against Capital One for Unfair Practices, Threats of Charge-Off, and Lack of Support To Whom It May Concern, I am filing this complaint against Capital One regarding the handling of my credit card account. I have had this account for a long time, and over the past few months, I have experienced significant challenges due to fees, payment plans that haven't been helpful, and constant threats of my account being charged off. 

I am a single mother with limited financial resources, and while I understand that I am responsible for my payments, I feel that Capital One has not been understanding of my situation or willing to provide reasonable assistance.

Despite being on two different payment plans, neither has helped address my overdue balance or reduce my late fees. I have made several requests to change my payment due date to align with my financial situation, but these requests have been ignored. 

In XX/XX/year>, I made a payment under the agreed-upon payment plan, which I believed would put me in good standing. However, I continue to receive threatening emails and during phone calls stating that my account will be charged off. On the phone, the representatives focus only on collecting money, and I often felt pressured into accepting payment plans that I am unable to manage. At times, it seemed as if I had no choice but to accept a plan, as I was being pushed into a corner with no other options provided. Recently I redeemed a reward for the amount of {$89.00}. I was under the impression I could and would get cash for it to feed my family. Instead it went to my balance and they were not able to help with that. 

The constant communication threatening a charge-off, combined with the lack of meaningful assistance from Capital One, has caused me significant distress. I feel that the bank is not working with me to resolve my situation but instead is focused solely on collecting payments without offering any real help.

I am requesting the following : 1. A review of my account, including the payment plans and fees that have been charged, to determine if fair and reasonable practices have been followed.

2. A reconsideration of the payment plan options available, with more flexibility to accommodate my financial difficulties.

3. A response to my previous request to change my payment due date.

4. A stop to the continuous threatening communications about my account being charged off.

I would appreciate any assistance from the CFPB in resolving this issue and ensuring that Capital One takes more fair and reasonable steps to assist customers like myself. 

Thank you for your attention to this matter. I look forward to your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
XXXX XXXX delete the collections off my credit then resold my information to another company without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
Someone hacked my cashapp acct, deleted my cash tag, phone and email They then spent the money I had ( {$340.00} ) they then borrowed thru cashapp {$530.00} .this was all spent on some gaming app called XXXX. I immediately contacted cashapp thru the website via chat and they said the would refer this to the loan department and disconnected. I then contacted cashapp via a XXXX number and he manages to get me access back to my acct and I have to dispute every single charge only to be told it could take up to 45 days to get a response and that Id be hearing from someone via email about the borrowed amount. My issue is that cashapp KNEW that these transactions and my info changing was suspicious because they sent me a text at the time this was happening XXXX XXXX XXXX XXXX XXXX asking me to verify its actual me making these changes and of course I never verified cause I was asleep and cashapp let this person hack into my account and steal my money and borrow money under my name ( almost {$1000.00} ) that I am now responsible for and also left broke!!!! This is just XXXX, why contact me to verify its me if youre going to let this person have access to my account anyway and now they want me to wait weeks for just a response and Im left with {$2.00}!!!! 
Ive had similar issues with cashapp, charges I didnt makemerchandise I ordered and received!!!!! Please help me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX de XXXX XXXX XXXX Dear, XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of my rights under the Fair Credit Report Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing 'sham investigations ' and other unlawful practices. These practices. as outlined by the CFPB, include ; Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reported. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : CXXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.
State: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had an ING Direct high yield savings account that later became Capital One 360 savings and at first the XXXX was higher yield and I recently went through my statements and it showed the APY was only .5 % but was NEVER notified that my account type had changed and now there is no XXXX of my account type, just Capital One 360 Performance Savings that has the higher yield and feel I was baited and switched without my knowledge nor consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am completely fed up with the inaccuracies on my report. My score has taken a hit because of these mistakes, and I am losing out on opportunities Ive worked hard to earn. It is beyond frustrating to have to keep fighting for something as basic as a correct report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-18 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/2023 - BALANCE {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I made the XXXX payment on my student loans in XXXX of 2024. I submitted what should have been the final piece of paperwork to be granted forgiveness under the PSLF. This form asks for my payments to be counted. Even though my servicer ( XXXX ) and studentaid.gov both show that I made the payment ( studentaid.gov does not show this payment on my dashboard, only in downloaded data ), it was not counted. Because of this, I am not able to receive forgiveness as my account shows I have only made XXXX of the required XXXX payments. No one has been able to give me a reason why this happened or a timeline of when it will be rectified.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
the company EQUIFAX It is reporting information that I do not recognize, therefore it is identity theft.This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
MY PROBLEM IS WITH XXXXXXXX XXXX IN XXXX. I WITHDREW FROM THE SCHOOL, BECAUSE THE STAFF WERE HARASSING ME. THE SCHOOL KEPT MY STUDENT LOAN AND REFUSES TO RETURN THE MONEY TO ME OR THE STUDENT LOAN SERVICER. XXXX XXXXXXXX XXXX XXXXXXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX, XXXX, L - IncorrectPersonal XXXX XXXX - IncorrectPersonal

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