vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request for Deletion of XXXX XXXX XXXX XXXX  from My Credit Report Dear TransUnion, XXXX am writing to formally dispute the XXXX XXXX XXXX XXXX account listed on my credit report. I am requesting that TransUnion verify this debt and provide all original documentation, including any agreements or evidence proving this debt is valid and tied to me. 

I am challenging the accuracy of this account due to incorrect information. It is important to note that this account has already been disputed with the Consumer Financial Protection Bureau ( CFPB ) and subsequently deleted from both XXXX and XXXX. Furthermore, the CFPB has an ongoing lawsuit against XXXX for failing to properly investigate disputes, raising serious concerns about the validity of credit reporting across all bureaus. 

If you can not validate this debt as required under the Fair Credit Reporting Act ( FCRA ), I demand that the XXXX XXXX account be immediately deleted from my credit report. The continued reporting of unverifiable or inaccurate information is unacceptable and harmful to my credit profile.

I request written confirmation of the outcome of this dispute and any changes made to my credit report. Please respond within the 30-day timeframe mandated by the FCRA. If you have any questions or require further information from me, you may contact me at XXXX. 

Thank you for your prompt attention to this matter. 

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 2025-01-21 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: NC

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 Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Capital One, N.A., regarding their deceptive and unlawful practices as highlighted in the recent CFPB lawsuit. I am seeking financial relief of {$5000.00} from the victims compensation fund due to the harm I suffered as a result of these fraudulent and deceptive acts.

The Financial Impact Due to Capital Ones deceptive practices, I suffered financial losses estimated to be over {$5000.00} in missed interest earnings. Had I been informed about the higher-yielding 360 Performance Savings account or been automatically transitioned to it, I would have earned competitive interest in alignment with national rate increases. Capital Ones unlawful conduct directly impacted my ability to maximize my financial returns.

Grounds for Relief I believe that my experience aligns with the allegations outlined in the CFPBs lawsuit against Capital One, which states that the bank intentionally misled consumers and failed to meet its legal obligations under consumer protection laws. Specifically, I am seeking relief for the following reasons : 1. Deceptive Marketing and Lack of Disclosure : Capital One failed to notify me of the introduction of their 360 Performance Savings account, depriving me of the opportunity to earn fair interest on my savings.

2. Unjust Enrichment by Capital One : The bank benefited financially at my expense by withholding critical information about better financial products. 
3. Violation of Consumer Rights : Capital Ones practices violated my rights as a consumer by engaging in fraudulent and deceptive behavior.

Requested Relief I respectfully request the CFPB to review my complaint and grant relief of {$5000.00} from the victims compensation fund. This amount represents the financial harm I suffered due to Capital Ones deceptive practices, as well as compensation for the distress and inconvenience caused by their unlawful conduct. 
I am attaching supporting documents to substantiate my claim, including account statements, transaction history, and correspondence with Capital One ( if applicable ). Please let me know if additional information is required.

I trust that the CFPB will consider my complaint as part of its ongoing efforts to hold Capital One accountable for its deceptive and unlawful practices. I appreciate your time and attention to my request and look forward to a resolution that ensures fairness and justice for victims like myself. 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 process 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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of 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 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I previously filed a complaint with the CFPB ( XXXX ) approximately three weeks ago regarding an issue with Huntington Bank . I am current on my payments, yet Huntington Bank claims that I owe them an outstanding balance of {$6500.00} and has demanded payment in full by Friday, XX/XX/scrub>XXXX XXXX 

However, when I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ) to request verification of this outstanding balance, Huntington Bank failed to provide the required documentation. Specifically, I requested : 1 ) A full amortization schedule, detailing how they arrived at the {$6500.00} balance. 2 ) Documentation for each and every deferral, forbearance, or modification applied to my loan. 

Despite my formal request, the bank has refused to verify or substantiate the balance they claim I owe. Instead, they continue to demand immediate payment and have threatened repossession of my vehicle if the amount is not received. 

Huntington Banks failure to provide accurate and timely debt validation, while simultaneously pursuing collection actions, is in violation of my rights under federal consumer protection laws. Their lack of transparency and refusal to verify the debt constitutes an unfair and deceptive business practice, placing undue stress and hardship on me as a consumer. 

I am requesting CFPB intervention to ensure that Huntington Bank provides the full documentation verifying the accuracy of their claims before they proceed with any further collection or repossession actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the immediate correction of inaccuracies in my credit report due to XXXXXXXX XXXX failure to conduct a proper investigation regarding the reporting of late payments by XXXX XXXX XXXX. Despite providing substantial evidence to XXXX, as well as XXXX and TransUnion, demonstrating XXXX XXXXXXXX XXXX reporting errors, the inaccurate late payment remains on my credit report. 

As a consumer, I relied on XXXX to conduct a thorough and fair investigation upon my dispute submission, which included detailed documents substantiating my claim. However, your failure to fulfill this duty has caused significant harm to my creditworthiness and financial standing. This matter has now escalated to the Federal Courthouse due to XXXX XXXXXXXX XXXX  reporting errors and your agency 's non-compliance with its investigative obligations. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a case against XXXX for failing to investigate consumer disputes adequately. Given the precedent set by the CFPB 's actions, I am entitled to have my credit report corrected immediately, reflecting the accurate payment history and removing the erroneous late payment entry. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the following actions within 30 days of this letter : Conduct a thorough and complete reinvestigation of my dispute with XXXX XXXX XXXX. 

Provide a written response detailing the investigation results and any corrections made. 

Remove the inaccurate late payment notation from my credit report across all reporting bureaus.

Failure to take appropriate action will leave me no choice but to seek further legal remedies to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and expect a response confirming the resolution of this issue. Please contact me at your earliest convenience should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-01-21 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the immediate correction of inaccuracies in my credit report due to XXXXXXXX XXXX failure to conduct a proper investigation regarding the reporting of late payments by XXXX XXXX XXXX. Despite providing substantial evidence to XXXX, as well as Equifax and XXXX, demonstrating XXXX XXXXXXXX XXXX reporting errors, the inaccurate late payment remains on my credit report. 

As a consumer, I relied on XXXX to conduct a thorough and fair investigation upon my dispute submission, which included detailed documents substantiating my claim. However, your failure to fulfill this duty has caused significant harm to my creditworthiness and financial standing. This matter has now escalated to the Federal Courthouse due to XXXX XXXX 's reporting errors and your agency 's non-compliance with its investigative obligations. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a case against XXXX for failing to investigate consumer disputes adequately. Given the precedent set by the CFPB 's actions, I am entitled to have my credit report corrected immediately, reflecting the accurate payment history and removing the erroneous late payment entry. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the following actions within 30 days of this letter : Conduct a thorough and complete reinvestigation of my dispute with XXXX XXXX XXXX. 

Provide a written response detailing the investigation results and any corrections made. 

Remove the inaccurate late payment notation from my credit report across all reporting bureaus. 

Failure to take appropriate action will leave me no choice but to seek further legal remedies to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and expect a response confirming the resolution of this issue. Please contact me at your earliest convenience should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
please check the information concerning the Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Capital One - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Balance XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX XXXX  This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. 
Enclosed

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 2025-01-21 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation