vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX XXXX XXXX XXXX  Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX XXXX XXXX  Account # XXXX : XXXX : XXXX EQ : XXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation XXXX. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : XXXX. Conduct investigation within XXXX days as mandated by law XXXX. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures XXXX. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT RECOURSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX XXXX XXXX XXXX  Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX XXXX XXXX  Account # XXXX : XXXX : XXXX EQ : XXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation XXXX. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : XXXX. Conduct investigation within XXXX days as mandated by law XXXX. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures XXXX. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT RECOURSE

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
CFPB Complaint : Overdraft Fee Dispute I am a XXXXXXXX XXXX who depends on VA benefit deposits to survive. My bank charged {$140.00} in overdraft fees, triggered by micro-transactions such as {$1.00}, {$2.00}, and {$3.00}. These small charges should not have resulted in excessive {$36.00} penaltiesespecially when they occurred in a vulnerable account window affected by delayed posting of larger, legitimate items. 

I do not dispute legitimate transactions such as groceries or an XXXX purchase that XXXX have posted. However, these overdraft fees were triggered by insignificant charges that compounded into an unfair debt spiraldespite the fact that I had benefits incoming. 
Attempts to Resolve with Bank : I contacted the bank through live chat multiple times to explain : I acknowledged larger purchases and accepted responsibility for those. 

My concern was the compounding effect of small-value charges triggering large overdraft fees. 

I requested a courtesy refund based on the situation, account purpose ( benefits ), and excessive impact. 

Despite this, the bank responded that the fees were " assessed correctly '' and refused a courtesy refund. I explained that this is a system design issue, not a fraudulent dispute, and reiterated my dependency on VA benefits. 
Regulatory Concern : I believe the banks overdraft system and fee logic violate federal protections : Dodd-Frank 1031 ( UDAAP ) Unfair, Deceptive, or Abusive Acts or Practices Truth in Savings Act ( 12 CFR 1030.4 ( b ) ( 4 ) ) Inadequate transparency around fee conditions Electronic Fund Transfer Act ( 15 U.S.C. 1693c ) Failure to disclose how and when overdrafts are triggered The banks algorithm appears to allow nonessential charges through ( such as a {$1.00} XXXX or {$2.00} XXXX ) only when it knows those will create fee eventswhile other vital charges ( like fuel ) are delayed or declined. 
Request for Relief : I am requesting : A regulatory review of this banks overdraft policy, particularly how it impacts VA and benefit-linked accounts. 

A refund of all overdraft fees stemming from micro-charges during the affected time frame. 

A system-wide policy correction to prevent overdraft stacking from minor purchases under {$5.00}. 

Attached to this complaint are annotated screenshots of my transaction history showing these fees and transactions. 

Thank you for your review and assistance in correcting this harmful and unjust system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Complaint Narrative : I am filing a complaint against Capital One regarding the wrongful charge-off and closure of XXXX credit card accounts due to a transaction error that originated internally. I have spent over XXXX months, made XXXX minutes of phone calls, and sent XXXX certified dispute letter ( XX/XX/year>, XXXX, XX/XX/year> ), but Capital One has XXXX to investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ) and Regulation XXXX. 

On XX/XX/year>, Capital One responded to my certified letter and acknowledged receipt. They claimed they could not locate my account without additional information, even though I am the original account holder. I was asked to submit my full name, prior and current address, last XXXX of my SSN, date of birth, and account numberall of which I have since provided. 

Throughout the process, I have been passed between Capital Ones credit card and bank departments over XXXX times, without a single XXXX taking full responsibility for the investigation. I spoke to several Capital One representatives, including : XXXX, XXXX, XXXX I was told a dispute had been opened and closed, but no case number or written summary was ever provided. I repeatedly requested written confirmation of the investigation, and access to a specific person handling the matter, but was denied each time. 

Due to Capital Ones inaction, my credit report has been negatively impacted with false charge-offs, which I also disputed with XXXX, XXXX, and XXXX. Each bureau closed my disputes because Capital One refused to provide accurate information or conduct a reinvestigation. 

I am requesting CFPB assistance to ensure that : Capital One performs a full investigation into the original transaction error. 
The inaccurate charge-offs are removed from my credit report. 
I receive written documentation of Capital Ones findings and resolution. 
This ongoing dispute has damaged my creditworthiness and caused significant stress, and I am simply asking for what the law entitles me to : a fair and proper investigation. 

Supporting Documents to Attach ( upload scans or PDFs ) : Certified letter to Capital One Capital One responses Any screen captures, call logs, or letters related to your disputes with credit bureaus Proof of previous credit card account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights. 

The following dispute items are inaccurate and require urgent correction : Bankruptcy ( 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 2025-04-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Experian RE : Requesting you Block and Remove Fraud from My Consumer Report >I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX {$990.00} # XXXX opened XXXX, XXXX XXXX {$55.00} # XXXX OPENED XXXX XXXX # XXXX opened XXXX XXXX want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00} as specified in >15 U.S.C 1692k.

> Defamation of Character >Negligent Enhancement of Identity Fraud >Violation of the Fair Credit Reporting Act >Violation under 15 U.S. Code & sect ; 1681o - Civil liability for negligent non compliance >Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance >Failing to comply with 15 USC 1692 ( g ) >Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports >Under 15 U.S.C. 1681i ( 7 ) Method of verification >Violations under 15 USC 1681 a ( 4 ) right to privacy >Violations under 15 U.S. Code & sect ; 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated. Sincerely XXXX XXXX XXXX. Experian kindly appreciated for your assistance

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Filed a claim because my VENMO was hacked, approved the claim and refunded my money and asked me to verify with my ID, submitted the documents and emailed SEVERAL times and heard absolutely nothing back, I needed that money for my insulin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I have written several letters to all three credit bureaus to investigate, validate the collection in question, but did not get any type of response from them.

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 2025-04-09 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: TX

Complaint narrative:
I have written several letters to all three credit bureaus to investigate, validate the collection in question, but did not get any type of response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I purchased XXXX mattresses from XXXX XXXX using special financing from XXXX XXXX, through XXXX 's website in XXXX of 2025. I spent {$1700.00} of the {$3000.00} credit limit they gave me. 
The special financing was 12 months 0 % interest. I noticed I was being charged over 30 % interest and contacted XXXX XXXX. They advised that XXXX did not send any special financing with my information and to contact XXXX, which I immediately did. 
XXXX is blaming XXXX, XXXX is blaming XXXX. No one seems to be able to verify the financing with paperwork even though XXXX says their system says it is special financing. 
I have already been charged over {$80.00} in 2 months in interest. This has to be completely illegal and I am not going to allow them to just play the blame game and continue to lie to people. 
I have attached the original email with " XXXX XXXX '' and a statement with the interest I have been charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Permanently Delete & Remove XXXXXXXX XXXX XXXX account from my file due to this account balance, history and type of loan inaccuracy ; as well as, this account has been reporting negative information on this same account more than 7 years!!! This account is a private loan but for more than 7 years reported to the credit bureaus that it was a Federal Funded Student Loan when in fact it never was. The balance is {$4500.00} not XXXX XXXX ; also lender and changed lenders continue reporting this account since XXXX ; then again under a different name now since XXXX ; then again more recently under XXXX XXXX XXXX!! This has to STOP, NOW, ASAP, THIS DAY!!!! 

This is ILLEGAL, CRIMINAL & WRONG!!!

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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CCM Finance LLC
State: LA

Complaint narrative:
An down payment was made with my knowledge they also broke the law because an down payment was not to be made to get the car also down payment was not including into the overall price of the car they are in a violation of the my rights as defined under the FTC holder rule used in the financing of a motor vehicle as per XXXXXXXX XXXX XXXX Any holder of a contract is subject to all claims and defenses that i could assert against the seller including the right to withhold payment and challenge the legitimacy of the account being reported as a charge off this vehicle was repossessed and the account has since been closed, With no clear disclosure regarding a deficiency balance or further obligations the reporting of this account as a charge off does not reflect the full scope of the transaction or resolution under the FTC rule the lender and seller are jointly liable for any unfair or deceptive practices that affected the contract or financing process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pappas Hayden Westberg & Jackson PC
State: CO

Complaint narrative:
I got a letter in the mail stating that I was served court documents from a lawyer representing XXXX but the letter telling me about the judgement was the first I ever heard anything about it going to court or anything about me being served so there was a court hearing that I knew nothing about until I got the letter telling me I was served and missed the court date that I did even know existed. I was never served nor has there been any other communication aside from the letter from the lawyer with what appeared to be a court document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-09 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: GA

Complaint narrative:
I am demanding your immediate attention and correction of serious, negligent reporting errors that are present on my credit report. The same accounts are being reported with inconsistent and outright conflicting information a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and a direct attack on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I am demanding your immediate attention and correction of serious, negligent reporting errors that are present on my credit report. The same accounts are being reported with inconsistent and outright conflicting information a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and a direct attack on my credit profile.

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