vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: OK

Complaint narrative:
Since XX/XX/year>, I noticed several inaccuracies on my credit report. I sent letters to XXXX, TransUnion, and XXXX detailing the information I believed was incorrect and requested that they correct the errors and provide me with an update once the changes were made. In compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a 30-day response period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I allowed 30 days, plus an additional 15 days for mailing, for their investigation and response. 

However, I did not see any updates on my credit report. Later, I received a letter from TransUnion requesting that I confirm my identity by sending personal documents, which I promptly provided. From the other bureaus, I received no response at all, a clear violation of their obligation to investigate disputes and respond under the FCRA. 

I sent a follow-up letter to all three bureaus, informing them that since they had not responded, they were required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the inaccurate information. Additionally, I requested that if they had verified the disputed items, they provide me with the documentation they used to validate the information. Once again, I received no response, which constitutes another breach of the FCRA 's requirements. 

This process has been extremely stressful, as the inaccurate reporting has negatively impacted my ability to build business credit. The failure of the credit bureaus to act on my dispute within the legally mandated time frame has now exceeded 60 days since my initial request. In my final letter, sent in XXXX, I stated that I would escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) if I did not receive a response. Despite this warning, I have still received no communication or resolution. 

The credit bureaus ' noncompliance with 15 U.S.C. 1681i has left me no choice but to take matters into my own hands. I am prepared to escalate this issue further, including filing a formal complaint with the CFPB and exploring legal action, as permitted under 15 U.S.C. 1681n and 1681o, for their willful or negligent noncompliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OK

Complaint narrative:
Since XX/XX/year>, I noticed several inaccuracies on my credit report. I sent letters to Equifax, XXXX, and XXXX detailing the information I believed was incorrect and requested that they correct the errors and provide me with an update once the changes were made. In compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a 30-day response period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I allowed 30 days, plus an additional 15 days for mailing, for their investigation and response.

However, I did not see any updates on my credit report. Later, I received a letter from XXXX requesting that I confirm my identity by sending personal documents, which I promptly provided. From the other bureaus, I received no response at all, a clear violation of their obligation to investigate disputes and respond under the FCRA. 

I sent a follow-up letter to all three bureaus, informing them that since they had not responded, they were required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the inaccurate information. Additionally, I requested that if they had verified the disputed items, they provide me with the documentation they used to validate the information. Once again, I received no response, which constitutes another breach of the FCRA 's requirements.

This process has been extremely stressful, as the inaccurate reporting has negatively impacted my ability to build business credit. The failure of the credit bureaus to act on my dispute within the legally mandated time frame has now exceeded 60 days since my initial request. In my final letter, sent in XXXX, I stated that I would escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) if I did not receive a response. Despite this warning, I have still received no communication or resolution. 

The credit bureaus ' noncompliance with 15 U.S.C. 1681i has left me no choice but to take matters into my own hands. I am prepared to escalate this issue further, including filing a formal complaint with the CFPB and exploring legal action, as permitted under 15 U.S.C. 1681n and 1681o, for their willful or negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones ' failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i. Despite filing a dispute with your agency, it appears that the required reinvestigation and resolution process was not followed in accordance with the law.

Under the FCRA, you are required to : 1. Conduct a reasonable reinvestigation of disputed items and notify the consumer of the results within five business days after completely the reinvestigation ( 15 U.S.C 1681i ( a ) ( 6 ) ( A ) ).

2. Forward disputes to furnishers in a timely manner ( 15 U.S.C 1681i ( a ) ( 2 ) ( A ) ).

3. Ensure the accuracy of the information on the report by implementing reasonable procedures ( 15 U.S.C 1681e ( b ) ).

Unfortunately, my experience indicated that these legal obligations were not fully adhered to, Specifically, the following inaccuracies remain unresolved and require immediate correction. 
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 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 XXXX XXXX As outlined by the FCRA, failure to resolve disputes within the FCRA required timeframe entitles me to request the deletion of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or correct, they must be removed immediately to ensure compliance with the FCRA.

Should these issues not be resolved promptly, I will have no choice but yo file complaints with the Consumer Financial Protection Bureau ( CFPB ), and Federal Trade Commission ( FTC ) and other relevant agencies. 

I will trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please proved a writing confirmation of resolution. 

Sincerely XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2025-01-22 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: GA

Complaint narrative:
I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i. Despite filing a dispute with your agency, it appears that the required reinvestigation and resolution process was not followed in accordance with the law.

Under the FCRA, you are required to : 1. Conduct a reasonable reinvestigation of disputed items and notify the consumer of the results within five business days after completely the reinvestigation ( 15 U.S.C 1681i ( a ) ( 6 ) ( A ) ).

2. Forward disputes to furnishers in a timely manner ( 15 U.S.C 1681i ( a ) ( 2 ) ( A ) ).

3. Ensure the accuracy of the information on the report by implementing reasonable procedures ( 15 U.S.C 1681e ( b ) ).

Unfortunately, my experience indicated that these legal obligations were not fully adhered to, Specifically, the following inaccuracies remain unresolved and require immediate correction. 
Account name 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 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  As outlined by the FCRA, failure to resolve disputes within the FCRA required timeframe entitles me to request the deletion of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or correct, they must be removed immediately to ensure compliance with the FCRA.

Should these issues not be resolved promptly, I will have no choice but yo file complaints with the Consumer Financial Protection Bureau ( CFPB ), and Federal Trade Commission ( FTC ) and other relevant agencies.

I will trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please proved a writing confirmation of resolution. 

Sincerely XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$830.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. PXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I emailed the company for an ach revocation on my checking and debit card and they refuse to do so. They responded with the following email. 

Hi XXXX, I understand that you're requesting to revoke ACH and debit authorization. I can provide some insight. 

We received your request for revocation, however please note that this process does not apply to settlements of XXXX. 

When opening the XXXX account, you agreed to allow us to transfer funds from your connected bank accounts for any outstanding overdrafts on your account. This is disclosed to you as a reminder when you take out XXXX, which results in a negative balance, where you also agreed to any service and/or optional express fees and optional tips. 

On this day, Dave will automatically transfer funds from your connected account ( s ) for the settlement. If the first account has insufficient funds, Dave may use your other settlement methods ( Dave Checking account, external debit cards, or external bank accounts ).

Not to worry as there are no penalties or fees for late settlements. If there aren't enough funds available to cover the full amount on your settlement date, we'll attempt to transfer funds until the amount is fully settled.

Thanks for contacting Dave. 

Dave 's friend, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/year> : tried to contact the company 6 times and get a personimpossible. Experion keeps denying my request for a XXXX XXXX interest free credit card even though my score is XXXX and history is exceptional. They are engaging in blackballing people and direct them into applying for new cards through their website. This is a conflict of interest!! And should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
This account is fraudulent, and I believe it was opened without my knowledge or consent. I have taken the necessary steps to report this fraud to the appropriate authorities and have filed an identity theft report. A copy of the identity theft report is enclosed for your reference. 

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 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.


15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I opened a Citi Double Cash credit card a little over a year ago. I used the card for a large balance transfer with a promotional 0 % interest rate in XX/XX/XXXX. Afterwards, I used the card occasionally for expenses. Starting in XXXX, I called Citi each month and spoke to a service rep to find out what I needed to pay to satisfy the minimum payment on the balance transfer and pay the expenses since so I would not be charged any interest. I called XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Each time the phone representative gave me an amount I would need to not have any interest payments and then took a payment of that amount over the phone. At no point was I advised I would be charged interest. Today, XX/XX/XXXX, I reviewed my previous month 's statement and noticed I had an interest charge of {$54.00} that month and then I realized I had been charged interest each of those months. I called and the phone advisor initially told me that appeared to be a bank error and he was requesting it to be credited back. I expressed my concern and he transferred me to a supervisor, XXXX, who told me that the disclosure on my balance transfer said that payments would first go toward the balance transfer and then to the purchases having a standard interest rate, so the interest was correctly applied. I told him I was never provided that information any of the times I called and requested that he refund the interest. He said he could not and that the matter could not be escalated further. I expressed my dissatisfaction, made a payment to pay the balance off in full, and advised that I would be filing a complaint.

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 monetary relief
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
This letter constitutes a formal complaint regarding the inaccurate and harmful information contained in my Experian credit report. I am writing to dispute the following : XXXX. Failure to Forward Relevant Information : I believe Experian has failed to forward relevant information to furnishers, such as stating I have delinquent account in the past 2 years, and number of inquiry as well as revolving high debt which all included incorrect information. This inaction has directly resulted in continued reporting of inaccurate information to creditors resulted in creditor negative attacking my account and reducing credit limit which also further affects my credit score.

2. Failure to Use Reasonable Procedures : I believe Experian has failed to use reasonable procedures to ensure the accuracy of consumer files. This includes inadequate verification of information provided by furnishers, insufficient investigation before providing incorrect information.

Consequences of Experian 's Actions : These inaccuracies in my Experian credit report have had a severe negative impact on my financial well-being, including : * Credit Limit Reduction : XXXX XXXX has limited my credit line due to the inaccurate information provided by Experian.

* Difficulty Obtaining Credit : I have been denied credit or offered less favorable terms due to the negative information on my Experian report.

* Increased Interest Rates : I may be facing higher interest rates on existing loans or credit cards due to the damaged credit score.

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