vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Kindly review this complaint thoroughly, as it is not a mistake. My credit report contains mixed and inaccurate information, with accounts, transactions, and items that are not associated with me. This situation is extremely distressing and is causing unnecessary stress and XXXX in my life.

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 2025-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I received a debt collection letter from Knight Adjustment Bureau signed XXXX. Although the company name was in the title block, the signature XXXX- without a last name or clarifying title- gave the misleading impression initially that the letter was from a court marshal or law enforcement official. This omission of a last name seems intentional, as it adds to the ambiguity and could easily mislead recipients into believing the letter carries legal authority. The letter demanded a response within 24 hours regarding a debt of {$1700.00}. The tone, signature, and urgency seem designed to intimidate and could mislead others into believing legal action is being taken. I believe this approach violates rules against misleading or deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

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 misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in 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 failure to fullfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is major inaccuracies being reported by Equifax on my credit report, listing addresses, names and phone numbers that do not belong to me, which is not in compliance with 15 U.S Code 1681 FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to express concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a number of times, and touring discrepancies, my financial institution and Zelle failed to investigate properly. I was informed that recovering lost funds was impossible and that they were unable to track the transactions. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MS

Complaint narrative:
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, Experians 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts Ive marked inaccurate ; Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A.
State: SC

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide the following before proceeding with any further action : Validation of Debt : You must provide evidence that verifies the amount of the debt, the name of the original creditor, and a clear explanation of how the debt was calculated.

Proof of Ownership : Documentation must establish that the debt is legally assigned to or owned by your agency, granting you the authority to collect it.

Investigation of Disputed Debt : Once I have disputed this debt, you are required to investigate its validity. Proceeding without completing this investigation may constitute a violation of federal law. 
Additionally, I am requesting that you cease all communication with me regarding this matter unless it is to provide the requested information or to confirm that the debt has been closed. Please note that any attempt to report this debt to a credit reporting agency without validating its legitimacy could be considered defamation of character and a violation of the Fair Credit Reporting Act ( FCRA ). 
I never signed any contract with this comapny and they are commiting fraud, If you pursue a negative tradeline I will have no chose but to sue your establishment.The account was opened without my authorization, and I am disputing its validity. I am also requesting that you immediately remove this account from youre database, as it is inaccurate and could cause harm to my credit profile. Once again if this a charge off, you have no legal evidence of a 1099-K or any legal documents retaining this debt.These actions are not only unlawful but also constitute harassment. The FDCPA ( 15 U.S.C. 1692 ) strictly prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. By violating these regulations, you are liable for damages, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees. 

Given the repeated and willful nature of these violations, I am hereby notifying you that I am escalating this matter to the office of the Attorney General of Florida. I am also considering additional legal actions against your agency to seek full redress for the harm caused by your actions. I have several FTC reports to back this as I am a victim of Identity Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Experian the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of a personal auto loan ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXXXXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX, I saw some hard inquiry that did not have permission purpose. I also attached evidence 2. These inquire has no permissible purpose to be on my report. Delete this inquirydue to violation of 15 usc 1681b. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Type : Bank Credit XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/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 2025-01-25 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:
Information regarding these accounts are inaccurate. whether they are included in bankruptcy still reporting my credit report. I disputed these accounts and Experian has not attempted to remove nor correct any information, it just says consumer disputed, which I would like to be removed also These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting this derogatory remarks be removed or corrected immediately as it is affecting may chances of acquiring goals I want to achieve. Experian violated my rights as a consumer as well as federal 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 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to 15 U.S. Code 1635 ( Right of Rescission ), 15 U.S. Code 1692a ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ). 

Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws.

Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus.

Right to Rescind If this debt qualifies under 15 U.S. Code 1635, I am requesting to exercise my right of rescission and have this charge-off removed from my records.

Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with 15 U.S. Code 1692a, 15 U.S. Code 1681s-2, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within 30 days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within 30 days from the date of this letter in accordance with the FCRA and FDCPA.

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 2025-01-25 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 am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to 15 U.S. Code 1635 ( Right of Rescission ), 15 U.S. Code 1692a ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ).

Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws.

Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus.

Right to Rescind If this debt qualifies under 15 U.S. Code 1635, I am requesting to exercise my right of rescission and have this charge-off removed from my records. 
Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with 15 U.S. Code 1692a, 15 U.S. Code 1681s-2, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( XXXX, Equifax, and XXXX ). 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within 30 days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within 30 days from the date of this letter in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I am writing to formally dispute the account listed under TrueAccord Corporation with a balance of {$160.00}, which I believe is a result of identity theft. This account is not mine, and I request immediate removal of this debt in accordance with the rights provided under the Fair Credit Reporting Act ( FCRA ) and the 15 U.S. Consumer Law.

There is no evidence or proof that this debt is associated with me, and I have not authorized any transactions related to this account. As this is a case of identity theft, I expect this account to be removed from my records promptly. 

Please provide written confirmation that this debt will be removed, and ensure no further attempts to collect this debt are made. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Ive been a member since XXXX  and have been charged overdraft fees. Over {$2000.00} in overdraft fees which made me have late fees and return checks and payments due to insufficient funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

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 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
These accounts were opened against my knowledge. 

XXXX XXXX XXXX - XX/XX/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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief