vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I made a transfer from my Capital One credit card to my XXXX account. The money was deducted from my Capital One card, but it never arrived in my XXXX account. I have called both Capital One and XXXX multiple times. Capital One Bank insists that the check was issued and cashed by XXXX, and even sent me a copy of the check. However, XXXX can not find the check or the funds, and nothing shows up in my account. I am tired going back in forth with both banks.. but more capital oje bank,, spending more 30 minutes talk to them.. no solution I spoke with multiple Capital One Bank, supervisors , and one of them assured me that the money would be returned. But that has not happened. I was later told that the check partially bounced, but I havent received any clear explanation or resolution. It has been almost two months, and Ive spent hours calling and visiting both banks without any results. Im extremely frustrated, stressed, and just want my money back or a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Hello An account was reported on my credit report today stating that I opened it in XX/XX/scrub>XXXX XXXX  which is not true ; that's deceitful practices from this collection agency that I don't even know who they are. I want this removed off my credit report immediately. I will be consulting an attorney as well. This company has XXXX business days from today to do so. I will also be contacting the Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MN

Complaint narrative:
I recently discover that the incorrect information on my credit report is still on there, Ive reach out to the credit card company few time before and reported the information was inaccurate, in which they admit it and agreed to remove it off my credit report. But up to now is still have not yet been remove.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX Bank 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Made a dispute with paypal for 7 transactions made on my account that I did not authorize for over the total amount of XXXX and they just denied my case within the hour they did not give any proof or anything I feel like they didn't do they're investigating throughly. I demand a total refund Case opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: OH

Complaint narrative:
Subject : Formal Dispute of Fraudulent Accounts, Collection Account, and Incorrect Address To Whom It May Concern, I am formally disputing the following fraudulent accounts, an invalid collection account, and an incorrect address that are inaccurately reporting on my Equifax credit report. These items must be permanently deleted as they do not belong to me. 
Fraudulent Credit Card Accounts : XXXX XXXX {$34000.00} XXXX XXXX XXXX  XXXX {$6100.00} Fraudulent Collection Account : Credence Resource MA {$0.00} This company is not licensed with the Nationwide Multistate Licensing System ( NMLS ) to collect or report debts in my state of Ohio, making their reporting invalid. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX I have never resided at or been associated with this address. 

These inaccuracies are direct violations of my rights under 31 U.S.C. 5118, 15 U.S.C. 6802, 15 U.S.C. 1692 ( c ), 18 U.S.C. 1028 ( A ), Regulation F, and other FCRA consumer protection laws. I demand the immediate permanent deletion of these fraudulent items from my Equifax credit report.

Please conduct a full investigation and provide me with a written confirmation of the deletions. If these inaccuracies are not corrected, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fecha : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX Way, XXXXXXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fecha : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX Way, XXXXXXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX 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 2025-03-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2024

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 2025-03-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2024

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 2025-03-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
ACCORDING TO FCRA SECTION 6 0 5 B, IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THE INQUIRIES THAT DO NOT BELONG TO ME AND I DO NOT HAVE ANY ACCOUNTS WITH THE COMPANIES LISTED BELOW. 

FRAUD Inquiries XXXX XXXX XXXX XXXX Finance/Personal XX/XX/year> XXXX XXXXXXXX VIA DEALER Finance/Personal XX/XX/year> XXXX XXXX XXXX  Finance/Personal XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/year> 2024

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX has been reporting inaccurate information on my credit report. Also XXXX placed Capital One auto Finance late payments on my credit report numerous times violating the FCRA laws. XXXX report late payment on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Withholding documents I requested on numerous occasions. Please remove all these late payments immediately thank you. 

XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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.

Subject : Formal Complaint Regarding Breach of Consumer Financial Laws Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX, for violating my consumer rights under 15 U.S.C. [ Specify Section, e.g., 1681 ( FCRA ) or 1692 ( FDCPA ) ]. The company has failed to comply with federal laws protecting consumers, causing harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This is my fourth compliant against ALDOUS & ASSOCIATES, ALDOUS & ASSCIOATES has reported a collections in my consumer report that I am unaware of. I didnt have the opportunity to dispute or assessed this alleged debt before it was reported on my consumer report. I requested that ALDOUS & ASSCOIATES send me a copy of certified mail receipt with my signature to prove that I was properly notified. ALDOUS & ASSCIOCIATES has defaulted in sending me this document and replied twice to my complaints that they received my written dispute and sent proof of the debt, the debt is valid and owing. They send me a contract from BLINK and notice but without the certified mail receipt with my signature to prove I was properly notified. Defaulting twice on sending me a document that will prove I was properly notified before this collections were reported on my consumer report is a violation of my federal rights. Furthermore, the documents that ALDOUS & ASSOCIATES provided are insufficient documents that dont prove I owe this alleged debt. A contract doesnt prove I owe this alleged debt from ALDOUS & ASSOCIATES . I am now requesting an assignment of debt that states from BLINK they hired ALDOUS & ASSOCIATES to get debt that owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To : American Express National Bank Customer Service and Legal Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint and Demand for Acknowledgment of Perfected Security Interest Account Ending in XXXX To Whom It May Concern, I, XXXX XXXX XXXX , am submitting this formal written complaint and demand for acknowledgment and enforcement of my perfected security interest in connection with the XXXX XXXX XXXX XXXX XXXX account ending in XXXX. 
As the secured party and creditor, I have executed and filed a UCC-1 Financing Statement with the Michigan Secretary of State, confirming my secured status against the debtor. The financing statement ( Filing No. XXXX, filed on XX/XX/year> ) lists both XXXX XXXX XXXX and XXXX XXXX as debtors and clearly identifies my claim as a secured party in all associated collateral. 
Supporting documents include : A valid Security Agreement, signed and executed. 
A Durable Power of Attorney, granting lawful authority.

Financial statements confirming filing and perfection status.

A UCC-1 filing, with acknowledgment by the Michigan Secretary of State.

As the secured creditor, I am legally entitled to assert and enforce my interest in this account under Article 9 of the Uniform Commercial Code ( UCC ). You are hereby notified of your obligation to : 1. Acknowledge my perfected security interest ; 2. Provide full disclosure and access to any and all information and activity regarding the above-referenced account ; 3. Cease any action that interferes with or contradicts the interests of the secured party ; 4. Correct the record to reflect the secured status of this account.

Your failure to recognize and respect my legal position as a perfected secured creditor may result in formal action and remedies as allowed under state and federal law.

I hereby demand written acknowledgment of this security interest within ten ( 10 ) business days of receipt of this notice, and request prompt cooperation to resolve any disputes amicably and administratively.

If you require additional verification, I am prepared to supply certified copies of the UCC-1, Security Agreement, Durable Power of Attorney, and any other documentation upon request. 
Sincerely, XXXX XXXX XXXX Authorized Representative and Secured Party ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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