vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one closed all 4 of my accounts including my business credit card. When asked why I was told because of fraud. I asked for an explanation and was told they can not give me a reason. I then asked to speak to a Manager who then came on and advised that the reason was because the credit card company trusted me and I broke the trust so now I " can't be trusted ''. I went ahead and mentioned that I am in the process of a home purchase and by this action, my scores will drop. They said they still can't do anything.

Since opening the accounts, I have never been late on any of my credit cards including the ones I have with them and have been with them for over 5 years. I also have no late payments in the last 6 years, my scores were in the XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 High Yield Interest Savings Accounts. Capital One misinterpreted the 360 Savings Account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings Account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in a significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failures to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX a ( ID XXXX XXXX ), my SSN being used as a personal gain. My file shows FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : Fraudulent : XXXX XXXX XXXX # XXXX Balance : {$110.00} : Opened : XX/XX/XXXX Hard Inquiry : XXXX : XX/XX/XXXX Based on the CFPBs recent lawsuit against Experian for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Experian to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM BEING PSYCHOLOGICALLY HARASSED. 
Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). Additionally, I reserve the right to report Experians non-compliance to the following agencies : Consumer Financial Protection Bureau ( CFPB ) ; Federal Trade Commission ( FTC ) ; Attorney General of North Carolina. Failure to resolve this matter promptly and accurately will leave me with no choice but to explore further legal action to protect my rights and the integrity of my credit report :

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 2025-01-29 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: KY

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated dispute submissions, Equifax consistently responds within 24 hours, stating that the account in question is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes. The rapid response time and lack of supporting evidence strongly suggest that Equifax is not fulfilling this legal obligation. 

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as demonstrated in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . Given this pattern of noncompliance, I urge the CFPB to take appropriate action to ensure that Equifax adheres to federal law and provides consumers with the necessary proof of a reasonable investigation. 

The disputed account number is XXXX. 

I appreciate your attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my only address is the one stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting.

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( s ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more.

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report. 
Written Confirmation : Provide confirmation of the correction and an updated credit report. 
Compensation : Address any damages caused by your negligence, as permitted by law. 

Please treat this matter as urgent and provide a written response within 30 days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights. 
I have attached copies of my ssn and utility bill for your review. 
Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2025-01-29 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: UT

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 NUMBER : 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. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Credit Report Information Dear dispute company, I am writing to formally dispute inaccurate information on my credit report. After reviewing my credit reports from multiple bureaus, I have identified discrepancies that need to be corrected immediately. 
Inaccuracy Details : The account in question is Credit Acceptance Co. with the following details : Account Opened : XX/XX/XXXX Highest Balance : {$9500.00} Status : Closed Balance : {$0.00} Issue : One credit bureau reports that I have made 94 % of payments on time, while another credit bureau states that I have only made 42 % of payments on time and marks several months as late, including recent months in XXXX. This inconsistency is inaccurate and misrepresents my payment history. 
Additionally, my last payment date is incorrectly reported. One bureau states the last payment was XX/XX/XXXX, while another bureau shows incorrect or missing payment data. 
Request for Correction : I am requesting that your bureau conduct an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and correct the inaccurate information. Please update my account to reflect the correct payment history and ensure it is consistent with the accurate records reported by the other bureau. 
For your reference, I have attached copies of my credit reports highlighting the discrepancies, as well as any supporting documentation. 
Please send me a written confirmation once this issue has been resolved. If further information is needed, I can be reached at the contact information provided above. 
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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
To whom it may concern, Navy Federal Credit Union Attn : Customer Relations Department XXXX XXXX XXXX XXXX, VA XXXX Subject : Complaint and Request for Compensation Regarding Illegal Overdraft Fees Dear Navy Federal Credit Union, I am writing to formally request compensation for overdraft fees I believe I was charged unlawfully as outlined in the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. According to the CFPBs findings, Navy Federal Credit Union charged illegal, surprise overdraft fees on accounts with sufficient funds and on delayed peer-to-peer payments from XXXX to XXXX. 

As a member of Navy Federal during this time period, I experienced instances where my account was charged overdraft fees under similar circumstances : 1. Overdraft fees despite sufficient funds : My account showed sufficient funds at the time of certain purchases, yet I was later charged overdraft fees when the transactions were processed.

2. Overdraft fees caused by delayed posting of funds : I relied on funds from peer-to-peer payment services like XXXX or XXXX that were displayed as available, only to discover later that these funds were not processed until the next business day, resulting in overdraft fees.

These practices were found to be violations of the Consumer Financial Protection Act, and as a result, Navy Federal is required to refund affected consumers more than {$80.00} XXXX in improperly charged fees. 

I request a thorough review of my account history during the relevant period ( XXXX ) to identify any improperly charged overdraft fees. I ask that all such fees be refunded to me promptly and additional compensation of XXXX be awarded to me for such negligence! 

I trust that Navy Federal will comply with the CFPBs order and resolve this matter fairly. Please acknowledge receipt of this complaint and provide a timeline for your investigation and resolution. 

Thank you for your attention to this matter. You have 4 days to compensate. I look forward to your timely response. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
someone stolen my personal information and used without my permission

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 2025-01-29 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:
someone stolen my personal information and used without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
# greenscreenvideo trans union, XXXX 5Gw Search I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 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: LA

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 chargers 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 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI Bank is misusing the customer new credit data when they are issuing. Even though customer is Reported that as Lost of credit card. Because of that Unwanted charges happening on customer credit card. when we call customer service they are explaining and saying we have shared your new card details with merchants .Still it is question to me why Bank will share the New card information with vendors.

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 monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I received a Form 1099-K from a company called Block , INC, f/k/a Square Inc, which is associated with CashAPP. This form indicated that I received/conducted 323 transactions & received payments.

I contacted CASHAPP and was told that I do " they could not help me '', as they can not divulge information regarding this account to me. The social security number referenced on this FORM 1099-K is MINE. I DO NOT have a CASHAPP APP nor did I receive any payments listed in the form. I filed a police report thereafter & received a case number. 

I called CashApp again on XX/XX/XXXX & I was given a link to complete an identity theft report and a link for the police to complete a report. The police told me this is not true, they DO NOT complete such reports. I completed the identify theft form and ensured my credit was FROZEN. 

THIS IS FRAUD and I need help to receive a correction to this FORM 1099-K.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

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 balances despite initially available 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