vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I paid {$1200.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$900.00} ) with my Capital One debit card. While the merchant provided some services ( XXXX XXXX XXXX XXXX XXXX XXXX, they failed to deliver the coaching services, which constituted the bulk of the package and justified the fee. As a result, I have been requesting a partial refund of {$600.00} for the balance of services not provided. Since filing my dispute on XXXX XXXX XXXX XXXX XXXX  ), I have submitted the same detailed Claim Response to Capital One five times, containing over 50 pages of irrefutable evidence proving the merchants failure to provide services as agreed. Despite this, Capital One has denied my claim six times without reviewing my documentation and relied exclusively on the outdated and insufficient documentation submitted by the merchant on XX/XX/XXXX. After each denial, I called Capital One to confirm whether my Claim Response documentation was reviewed. Each time, I was told, We do not have your documentation on file and it was not reviewed prior to our decision. This repeated admission demonstrates a complete failure to process my claim fairly. The Claims Processing Department has ignored my evidence and repeatedly denied this claim based solely on the merchants inadequate submission, which DOES NOT address the core issue. Moreover, the merchants documentation is redacted and illegible. I have spoken with multiple representatives and supervisors, 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  Capital Ones mishandling of this matter has caused stress and withheld {$600.00} owed to me due to their lack of effort. Lastly, I filed a complaint/claim with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - ( nearly 30 days ago )- and STILL no reply from Capital One! I demand that a competent corporate supervisor reviews my claim, examines the attached documentation, and issues a refund of {$600.00} immediately. 

**Details of the transaction and evidence are included in the attached Claim Response. **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2025-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I checked my credit report and seen an account with CapitalOne, someone has put me on their account as an authorized user. I have never had an account nor have i asked someone to do this with CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference XXXX To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report. 
XXXX. Truth in Lending Act ( TILA ) ( 15 U.S.C. XXXX ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me. 


I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA. 

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately. 

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within XXXX  days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I got an alert a few weeks back that I had a new inquiry reported on my credit report. After Observing I noticed I had inquiries that were not approved. I did not approve these, I did not apply for these, I was never notified of these, I did not provide any info for these nor am I in the market for credit. These Include Inquiries XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 had my identity stolen and have filed an identity report more than once. I have sent the report to Equifax and they still won't remove the inquiries. I also had my information leaked via Equifax and I have also sent a copy of the notice I got from them stating this. And they still will not remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2025-02-18 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: TN

Complaint narrative:
An account with XXXX XXXX appeared on my credit report. After finding this i made contact with the company and they refuse to understand the account was opened fradulately. I have absolutely no clue how they perform business but I have personally never done any of the business described and they refuse to remove this from my credit report. I am not responsible in any way for this account and it has been damaging my credit for years. I want this account removed. Transunion dispute center also refuses to remove the account from my 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
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be v
erified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
This letter serves as my formal notice of intent to sue for your agencys repeated failure to correct inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. I have disputed the incorrect balance reported on my XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, yet your agency has failed to correct the errors or provide evidence verifying the accuracy of the reporting. The balance is inconsistently reported across credit bureaus, with TransUnion and Equifax listing {$250.00} while Experian reports {$210.00}, which is a clear failure to maintain maximum possible accuracy, as required under XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX when a consumer disputes an account, the credit reporting agency must conduct a reasonable reinvestigation and correct or remove any inaccurate or unverifiable information. Your agencys continued failure to comply with these obligations constitutes negligence and willful noncompliance with the FCRA. Additionally, your failure to ensure that the furnisher of this data properly verified its accuracy directly parallels the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the plaintiff filed suit in XXXX XXXXXXXX XXXX, alleging that the credit union violated XXXX XXXX XXXX XXXX of the FCRA by failing to remove a disputed balance. Your agencys refusal to take corrective action in response to my disputes places you at risk for similar liability. 

As a result of this inaccurate reporting, I have suffered credit damage, financial losses, higher interest rates, and credit denials. If you do not immediately correct the balance discrepancies, provide verifiable proof of the accuracy of this account, or remove the account altogether, I will proceed with legal action to seek monetary damages, attorney fees, and injunctive relief. 

You have XXXX  days from the receipt of this letter to respond with a resolution. If no action is taken, I will file a lawsuit for your continued violations of the FCRA. Consider this your final opportunity to resolve this matter without court intervention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
This letter serves as my formal notice of intent to sue for your agencys repeated failure to correct inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. I have disputed the incorrect balance reported on my XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, yet your agency has failed to correct the errors or provide evidence verifying the accuracy of the reporting. The balance is inconsistently reported across credit bureaus, with TransUnion and Equifax listing {$250.00} while Experian reports {$210.00}, which is a clear failure to maintain maximum possible accuracy, as required under XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX when a consumer disputes an account, the credit reporting agency must conduct a reasonable reinvestigation and correct or remove any inaccurate or unverifiable information. Your agencys continued failure to comply with these obligations constitutes negligence and willful noncompliance with the FCRA. Additionally, your failure to ensure that the furnisher of this data properly verified its accuracy directly parallels the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the plaintiff filed suit in XXXX XXXXXXXX XXXX, alleging that the credit union violated XXXX XXXX XXXX XXXX of the FCRA by failing to remove a disputed balance. Your agencys refusal to take corrective action in response to my disputes places you at risk for similar liability. 

As a result of this inaccurate reporting, I have suffered credit damage, financial losses, higher interest rates, and credit denials. If you do not immediately correct the balance discrepancies, provide verifiable proof of the accuracy of this account, or remove the account altogether, I will proceed with legal action to seek monetary damages, attorney fees, and injunctive relief. 

You have XXXX  days from the receipt of this letter to respond with a resolution. If no action is taken, I will file a lawsuit for your continued violations of the FCRA. Consider this your final opportunity to resolve this matter without court intervention

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