vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls credit card opened fraudulently on XX/XX/year> online. Items purchased were socks, a pair of shoes, and another item I cant remember. They were shipped to an apartment in XXXXXXXX XXXX. I never ordered these nor opened the account. I called Kohls to have the account shut down. They shitnitndown, but continue to contact me about the open balance. I've reported this to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I try to buy house and my landing in Bank try to running my credit report from Equifax But its not showing anything I call Equifax 10 times to fix story. I need my information clear in my credit report but no one help me no one fix it. I send it my ID and Social Security overnight mail he take all my ID and nobody fix my problem please. I need help to show my credit report in Equifax. My information is. 
XXXXXXXX XXXX XXXX XXXXXXXX SSN XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX attendant Please help me faster. I dont need to lose my apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
[ Collection Agency Address ] [ City, State, ZIP Code ] Subject : Formal Dispute & Cease Communication Request Violation of 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am formally disputing the account listed below and requesting its immediate deletion from my credit report under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX. 

Amount : {$XXXX} Under 15 U.S.C. 1692c ( c ) of the FDCPA, I am exercising my right to refuse to pay this alleged debt and demand that you cease all communication with me regarding this account. XXXX XXXX XXXX has a well-documented history of failing to provide proper debt validation before illegally placing accounts on consumers ' credit reports. The company has been sued multiple times for FCRA and FDCPA violations, including for misrepresenting debt ownership and reporting inaccurate information. 

Pursuant to 15 U.S.C. 1692g, I demand that you provide full validation of this debt, including : A signed agreement with my original signature proving my contractual obligation to this debt. 

A full accounting of all charges and payments made toward the alleged debt. 
Proof of your legal authority to collect this debt and report it to the credit bureaus. 
If you can not provide proper validation, per 15 U.S.C. 1681s-2 ( b ), you are required to immediately delete this account from all credit bureaus ( Experian, Equifax, and TransUnion ) and cease all collection activities. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office. 

I expect written confirmation within 30 days that this account has been permanently deleted. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was completely ignored no one didn't want to listen over the phone.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 proce 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 50.6K financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
PayPal Credit appears to engage in predatory lending practices by implementing deceptive and burdensome payment allocation policies. While promotional payment options are advertised, consumers are not adequately informed that they must proactively contact PayPal Credit to specify how their payments should be allocated. Consequently, even if a consumer pays off the full cost of a specific item, any remaining balance on the account may still accrue interest if the payment allocation was not explicitly designated. This practice results in consumers being charged both accrued and ongoing interest, despite their reasonable efforts to repay their purchases. Such a policy constitutes a breach of consumer trust and imposes an undue financial burden, potentially leading to significant economic hardship.

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 2025-01-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reached out to XXXX XXXX several times. I have the right to receive a validation of debt, flow agreement and surety bond. They have failed to provide me any of these requested information. 

This company is also reporting over the balance but it was charged off in XXXX. This violates FCRA laws they are reporting inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: VA

Complaint narrative:
I have reached out to XXXX XXXX several times. I have the right to receive a validation of debt, flow agreement and surety bond. They have failed to provide me any of these requested information. 

This company is also reporting over the balance but it was charged off in XXXX. This violates FCRA laws they are reporting inaccurate information

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 2025-01-31 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Dispute Department, I am writing to formally dispute inaccurate and incomplete information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the reporting of the XXXX XXXX account ( Account Number : XXXX ), which is incorrectly listed on my credit report. 
Upon reviewing my credit report, I noticed the following discrepancies : Incorrect Delinquency Reporting : The payment history for XX/XX/XXXX indicates that the account was 30 days past due, which I dispute as inaccurate. I request verification of this information, including original payment records, or that it be corrected or deleted. 

I also noticed inconsistent Status Update : The account is marked as Paid, Closed as of XX/XX/XXXX, yet there is still a negative remark from XX/XX/XXXX. If the account was closed in good standing, any derogatory marks should be reevaluated for accuracy. 
Under 15 U.S.C. 1681i ( a ) of the FCRA, " Credit Agency '' is required to conduct a thorough and proper investigation of any disputed information. 

If you can not verify the accuracy of the reported late payment with supporting documentation from XXXX XXXX, this information must be removed from my credit file immediately. 

Please complete this investigation within the 30-day timeframe as mandated by the FCRA. Additionally, I request a written response detailing the outcome of your investigation and an updated copy of my credit report once this matter is resolved. If any changes are made, please notify any other credit bureaus to which you have reported this information. 

Enclosed, I have attached a copy of my credit report highlighting the disputed account, along with copies of any supporting documents ( if applicable ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and a resolution of this dispute. You may contact me at the information provided above if additional details are needed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Been trying to negotiate and advise needing a hardship program. 

They have only offered to suppress late fees. Advised cant pay, if i can cancel the account would options be available, advise the medical hardship im in and each time they resort to " the system doesn't have anything available ". When asking of canceling the account impact my ability to qualify they just say they can't anticipate that it's based on what the system says. They basically say I just have to call everyday to determine if something new occurs and allows the system to qualify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Settlement already made with national debt relief to pay debt, company is refusing to negotiate. Account reported to collections when in good faith in trying to come to settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One XXXX XXXX  shared my info with social sides like XXXX without my consent. They misguided me numerous times. I had contacted and wanted to talk about their abusive behaivor with XXXX XXXX. They refused to provide info. They continued to be abusive each time. After I had opened a complaint at first, they asked more info. When I called and explained, a XXXX apologized and sent a full payment refund as a check. After my complaint resolved, they recharged it to my closed account. That resulted me to close XXXX of my other accounts. When I called again, supervisor said they sent me a refund in mail by mistake. When questioned, the belligerent supervisor said she was a cheerleader and knew how to deal with customers like me. I asked higher management, corporate management to discuss the recorded abusive conversation, she argued more, refused info and hang up on me. I then refiled the complaint. They responded to my complaint with completely unrelated response and closed the case. Capital One is being sued by Fed Gov for stealing XXXX from customers. They have no integrity and their customers service is horrible and XXXX. The info I put on social media, public aggrees. I had called them for a refund I was supposed to get for overpayment and gave information they asked for re to my complaint. The XXXX aggreed and sent me the full refund after months of going back and forth, which I had not asked for when called. I had never disputed that as they lie. Then later, they reversed it back and asked me to give the refund back plus additional charges. No apology has been offered for the abusive, offensive and XXXX statements made by their supervisors. They refused to contact me to XXXX management to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation.

Details of the affected payments are as follows : 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 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 If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

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