vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXXcapitaloneXXXX At the above link, an article describes how to upgrade to a new credit card without triggering a hard credit inquiry. Embedded in the article is an unmarked advertisement designed to appear to be in the text of the article. Following the link leads users to open a new credit card account and triggering a hard credit inquiry. A senior account supervisor named Precious, employee ID number XXXX, at Capital One confirmed over the phone that this is an advertisement, and is not marked as an advertisement, included in an educational article. In being misled by this advertisement, whose purpose is opposite to the intent of the article, and embedded to be intentionally misleading, I opened a new credit card account by mistake. 

The instructions in the article are intentionally vague and generic, and the advertisement, which runs contrary to the article, is presented as part of the article. When I clicked the link, it led me to open a new credit card account and hit my credit score, which now impacts my ability to find housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
I filed a dispute with Experian regarding a student loan that is reporting on my credit account but is too old to still be on there. The account was delinquent in XXXX which I confirmed with the creditor. It was sent to their collection company in XXXX. At this point the debt is too old to still be reporting on my credit, but Experian refuses to remove it. XXXX and XXXX have both removed the debt due to it being past the statute of limitations. I don't think they have properly investigated my claim and they refuse to take my documentation that I received from the creditor into consideration. Every dispute I have filed they have come back with a different story ; its an active debt, not a collections or past due debt, the last payment date keeps changing, they said that they can only take information that is given from the creditor, not my evidence. I have been punished for almost 10 years now from this debt and it is keeping me from buying a home.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
" On XX/XX/year>, at XXXX XXXX, contacted financial institution regarding opening new accounts. During the recorded conversation, representative confirmed existence of charged-off account from approximately XXXX years ago. Despite debt being well beyond statute of limitations under Texas law, institution : 1. Refused to allow opening of any new accounts unless time-barred debt was paid 2. Explicitly stated business account access would also be denied due to old debt 3. Attempted to arrange payment plan for statute-barred debt 4. Used denial of banking services as leverage for debt collection 5. Acknowledged debt 's age but persisted in collection attempt 6. Refused to provide basic banking services without payment of expired debt Representative confirmed no new accounts - personal or business - would be permitted without paying the time-barred debt. This practice appears to violate multiple consumer protection laws including FDCPA, ECOA, and Texas Debt Collection Act by : -Using banking access as leverage for collecting time-barred debt -Discriminating in provision of banking services -Attempting to revive expired debt through coercive tactics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX reached out to me stating that my credit card would be closed on XX/XX/XXXX due to lack of activity. I did not have a physical card to use and was out of town for most of XXXX. Upon my return, I requested a card so I could use the card prior to XXXX and fulfill their request. In fear of not being able to utilize the card in time, I called XXXX XXXX the first week of XXXX to see if I could get an extension. The person I spoke to " opted me in '' and stated the card would not be closed but asked that I use it anyway when receiving it to make sure the account did not get closed. I received the card PRIOR to the deadline, used it on XXXX and the account remains open. 

Today, XX/XX/XXXX, I received a notification stating my account has been report to the credit bureau as closed. I called XXXX XXXX and XXXX representative said the account was not closed and that " XXXX XXXX does not report to credit bureaus ''. Knowing this is inaccurate, I asked for a supervisor. The supervisor stated the account is currently open but since I " used the card too close to the deadline '' XXXX had reported my account as closed. 

I don't understand how they can take action and close my account before the deadline they provided. If you tell a customer to use the card BEFORE XXXX and they do, why is the bank reporting to the credit bureaus before the time elapses? 

I do not want this card reported as closed. I had escalated it to the executive team over the phone but would like someone to address in writing that this account is not closed.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
This Issue Is Dealing With Navy Federal Credit Union My Father Was A Veteran So I Thought This Would Be A Good Institution For NE The Daughter Of A Veteran Who Served This Country That Didn't Serve Him. I Was Very Pleased With The Credit Union.In XXXX Of XXXX Before Fathers Day I Was Expecting A Deposit And It Wasn't Posted So I Spoke With A Male Representative And He Was Very Condescending Arrogant And Not Receptive To Me Trying To Get An Understanding Of How Long Would It Take For The XXXX XXXX XXXX. Mind You It Was That Thursday Or Friday Before The Weekend Of XXXX 's Day. I Had Planned A Celebration Honoring Fathers Giving My Father And Others To Celebrate Our Dad 's Since There's A Big To Do Over Mother 's Day. Both My Mother And Father Are Deceased.My Mother Died When I Was XXXX Years Old. My XXXX Was Instrumental In My Life. Although He Let My Grandparents Raise Me He Was Still There He Died In XXXX. I Say This To Say I Was Very Happy To Give Him A Celebration With Family And Friends In Which We All Shared The Day This Representative Had No Empathy Or Compassion In Which I Shared The Same Conversation I Got Frustrated And Was Upset Only To Find Out He Put Some Kind Of Comment To The Affect That I Couldn't Talk To Representatives Anymore. I've Had Issues Where Mobile Banking Can't Resolve Like If Speaking To Someone I Can't Speak To A Representative While I Still Have An Existing Account What Happened To XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX XXXX I'm A XXXX I Get Hollered At But Not Once Do I Get In My Feelings I Feel Discriminated Against And An Abuse Of His Position I Want To Get Back To Business With NFCU And I Was Told I Couldn't Go In Any Credit Union Building Customers Have Rights To Be Human When Dealing With Finances This Is Unfair And Unfortunate That Workers Have More Rights As The Consumer I Want To Be Able To Speak To A Representative When Needed These Representatives Hang Up On Me As I Called Their House When I Give Them My Account Number Or Phone Number Please Rectify This Situation Or I Can Dissolve My Account XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: AZ

Complaint narrative:
MOHELA/DOFED XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX to XX/XX/XXXX Half of these schools are closed, and some have even been involved in lawsuits.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian to verify the method and procedure to my disbutes I received as " verified ''. I have received no response Account for example Report Number XXXX Date Generated XX/XX/year> 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 2025-01-13 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: Open Dealer Exchange, LLC
State: UT

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding an unauthorized and inaccurate credit inquiry made on my XXXX credit report, dated XX/XX/year>. I did not authorize this inquiry, and I believe it is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to XXXX XXXX XXXX, requesting they provide proof that this inquiry complies with federal law, specifically the permissible purpose provision outlined in the FCRA. A company must have proper authorization and a permissible purpose to conduct a credit inquiry. 
In response to my dispute, XXXX XXXX XXXX sent a notice of consumer consent. However, the document provided did not bear my wet signature. Instead, it was electronically signed and bore the name " XXXX XXXX, '' which is not me. This erroneous and inaccurate documentation clearly demonstrates that the inquiry was unauthorized and violates my consumer rights. 
The submission of a document with another individuals name and signature as evidence of my consent is unacceptable and further highlights the lack of proper procedures and oversight by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-13 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is XXXX industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be sent to XXXX, XXXX, and XXXX immediately so that they can update their records accordingly : Account #, date last active, Payment History Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : American Express : XXXX I have attached a copy of my ID and billing statement for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Never received any compensation or information on XXXX lawsuit I was sign up to never received any new information or haven't received a prepaid card like I was told

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 2025-01-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX, there was a hard inquiry on my XXXX and XXXX report that I did not authorize.

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 2025-01-13 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I received my XX/XX/XXXXXXXX  statement for my Home Equity Line of Credit + Insurance + Fees = New Payoff Balance* {$39.00} - {$0.00} + {$0.00} + {$0.00} + {$0.00} + {$0.00} = {$39.00} The statement says Minimum Payment Due : {$0.00} Payment Due Date : XX/XX/XXXXXXXX  We called to payoff the loan. The person at XXXX XXXX XXXX XXXX said the payoff balance was {$43.00}. Our statement says {$39.00} He put us on hold and came back and told us that the payoff balance increase on XX/XX/XXXX. Citizens did NOT notify us of any increase in the payoff balance The citizens customer service agent said we would see the increase in the billing period... .which starts XX/XX/XXXX. 

Today is XX/XX/XXXX. What right does Citizens have to raise my payoff balance without notifying me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed to EQUIFAX two accounts with missing and inaccurate information, XXXX XXXX and XXXXXXXX XXXX that keeps showing up on my equifax credit report, I do not identify them or have knowledge of them and they are full of FCRA violations, I disputed these violations with them several times and they still won't remove these fraudulent accounts from my credit report. XXXX, XXXX and XXXX complied with my disputes and removed the accounts from my reports with them, I will upload copies of my XXXX and XXXX XXXX reports to verify this .I will also upload my current Equifax credit report that shows the missing and inaccurate information that pertains to these accounts. I also was a victim of the Equifax data breach, my information was compromised by that breach, I will upload my information collected pertaining to that breach.

Company response to consumer: Closed with explanation