vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: AL

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. **Account Name : ** XXXX XXXX XXXX ( multiple accounts on credit report ) **Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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 nor 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 non-monetary relief
Consumer complaint received 2025-02-10 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I filled a dispute on XXXXXXXX XXXX XXXX XXXX that starts with XXXX due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this breach and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information. Given the severity of this breach and the resulting compromise, I request that they immediately cancel and discharge this debt in full as it is affecting my chances of getting a house and car, XXXX violates my rights as a consumer, as well as federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-10 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 
15USC 1681 section 602 states i have the right to privacy.

15USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint regarding a deeply troubling and discriminatory experience with Capital One that resulted in my account being unjustly closed and a significant amount of my funds being mishandled. 

Incident Summary On XX/XX/XXXX, I deposited {$31000.00} into my XXXX XXXX account from my Capital One 360 Checking account ( ending in XXXX ) without issue. A week later, on XX/XX/XXXX and XX/XX/XXXX, I attempted to transfer {$50000.00} from the same account to my XXXX brokerage account, only to have the transfer blocked. 

I was contacted by Capital One under the pretext of a fraud investigation. After providing proof that the funds were legitimate and legally mine, the explanation changed. A manager informed me that Capital Ones policy prohibits sending funds to an investment brokerage account. Despite my questions about this vague and confusing policy, my account was subsequently closed without a valid explanation. 

Blatant Discrimination During a follow-up call with a different representative, I sought clarification on why this was happening. I directly asked, Is this because XXXX XXXX? Do you assume this is drug money? To my shock, the representative confirmed with a yes. 

This response was not only offensive and discriminatory but a clear violation of my civil rights. I am confident that a review of Capital Ones call transcripts from XX/XX/XXXX to XX/XX/XXXX will confirm this appalling statement and demonstrate the discriminatory treatment I endured. 

Missing and Mishandled Funds Additionally, my {$50000.00} transfer was blocked and reversed under the claim of fraud. However, Capital One has no record of where those funds went, despite a female manager assuring me that the transfer was rejected and stopped. I have not received a satisfactory explanation or documentation to confirm the status of this transfer. 

Meanwhile, the other {$50000.00} was eventually moved to a different bank, but I remain unable to account for the funds that were supposedly returned to XXXX. This inconsistency and lack of transparency is highly concerning. 

Legal and Regulatory Concerns Capital Ones actions may constitute violations of several federal laws, including but not limited to : The Equal Credit Opportunity Act ( ECOA ) Prohibiting discrimination based on race in any aspect of a credit transaction.

The Civil Rights Act ( Title VI ) Prohibiting discrimination in programs receiving federal financial assistance. 
Anti-Money Laundering Regulations ( AML ) Which require clarity and documentation for any transaction deemed suspicious or rejected. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report XX/XX/year> and noticed some things are incomplete and inaccurate. 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 the are supposed to do this ( 5 ) treatment of accuracy of inaccurate or unverifiable information.

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, 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 ( i ) 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 or has reasonable cause to believe 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 2025-02-10 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code XXXXo ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXXk holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, Inquiry XXXX CO, Inquiry XXXX XXXX, Inquiry XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A States I have the right to priv
acy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
I am filing a complaint against Volkswagen ( VW ) Credit Bank for not disclosing XXXX XXXX ( borrower ) did not qualify for the car loan and manipulating the documents to have my name as the main buyer for the car. This happened without my consent and without proper disclosure. The salesman at the VW XXXX XXXX, XXXX XXXX, California assured me XXXX XXXX ( the driver/user of the car ) who I was co-signing for qualified for this loan. However, XXXX XXXX is a fraudulent person and must have provided fake proof of job to dealership. She has violated the law by driving the car without insurance, not paying registration fees and parking tickets. She is currently suing a landowner ( see case number XXXX ) and she currently lives there while suing the owner without paying rent. She did this before and was terminated by the previous landowner ( see case number XXXX, XXXX ). 
I have requested termination loan options on XX/XX/XXXX to VW without a response. 
I have paid 3 months past due by XXXX XXXX and I have the car right now parked since it has not paid registration since XX/XX/XXXX. 
I demand VW to respond as soon as possible to my request. I have been defrauded and have been harmed financially and personally. 
VW credit approved a loan, they should assume responsibility legally, as complicit to the fraud to me. This is an intrinsic fraud. VW credit should also write down the loan since the car has a value of {$12000.00} less than the loan amount. VW credit should worked with me to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX {$XXXX} Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$XXXX} written off. {$XXXX} past due as of XX/XX/XXXX. 
Status Updated

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 2025-02-10 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: WY

Complaint narrative:
The loans that my loan forgiveness applies to were consolidated before the lawsuit was complete. Negative amounts are shown on the old loans. Total loan amounts on Aidvantage do not account for these negative amounts. In the meantime the consolidated loan, which should be reduced per the lawsuit against XXXX XXXX continues to grow with high interest. Last time I called was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and Experian credit report :XX/XX/XXXX XX/XX/XXXX ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XX/XX/XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and Experian credit report :XX/XX/XXXX XX/XX/XXXX ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XX/XX/XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX XX/XX/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