vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding cash advance fees and unfair processing delays. 

On XX/XX/year>, at XXXX AM ( XXXX ), I took out a cash advance from my Capital One credit card. Fully aware of the high interest and fees associated with cash advances, I immediately took steps to pay off the cash advance balance in full within XXXX hours to avoid additional charges. 

On XX/XX/year>, at XXXX AM ( XXXX  ), I contacted Capital One and spoke with multiple representatives to pay off the cash advance in full. However, I was informed that I was unable to do so because the transaction was still in pending status. Capital Ones system would not allow me to pay the full cash advance balance because it was over the balance due on my account. Since the cash advance remained in pending status for multiple days, I was forced to incur additional daily fees of 28.99 % interest, plus an additional fee of {$5.00} or 5 % ( whichever is greater than the {$5.00} or 5 % ). 

This practice has created significant financial hardship for me. I took every responsible measure to immediately pay off the cash advance to avoid accumulating interest and fees, yet Capital Ones system is designed in a way that prevents consumers from settling their debt promptly. As a result, I was left with no choice but to wait for the transaction to post, all while unavoidable fees accrued daily through no fault of my own. 

I also requested a written disclosure outlining the full terms and conditions of my cash advance, including a breakdown of the {$5.00} or 5 % fee. However, Capital One denied my request for this disclosure to be sent via email or mail. This refusal raises concerns about transparency and fair lending practices, as customers should have the right to clearly understand the financial terms associated with their accounts. 

Capital Ones policies prevent customers from immediately paying off cash advances, ensuring they accumulate excessive fees. Their system keeps transactions in pending status for days, restricting consumers from resolving their balances promptly. Additionally, their refusal to provide written disclosures upon request limits transparency in financial agreements. I request that the Consumer Financial Protection Bureau investigate these practices and take necessary action to prevent consumers from facing financial burdens due to Capital Ones unfair policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I had created a coinbase account to invest in cryptocurrencies. The phone that I had the coinbase XXXX where I use to invest in coinbase and get access to my account is not working.I bought a XXXX XXXX.Since I have a XXXX XXXX they dont give me access to to the account any more.I did all the procedure they tell me to do in the website but they did not work.When I call coinbase, no one answers the phone.The XXXX customer service send me to the website.It has been more than XXXX months I get access to the account.Instead of giving me access, they end up creating a new account for me which I dont need cause I m already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XXXX Violation Unauthorized Disclosure of Protected Information Under 34 CFR 99.30, my financial and educational records are legally protected from unauthorized access. Yet, my information was leaked without my consent, compromising my privacy and financial security. This is a blatant violation of federal law, and I expect swift corrective action. 

XXXX XXXX Violation Potential Discriminatory Impact If this data breach disproportionately exposed specific student populations to harmwhether through targeted leaks or disproportionate impacts on marginalized borrowersthen it constitutes a direct violation of XXXX XXXX  Any actions that result in financial, legal, or systemic harm to protected groups must be immediately addressed.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 XXXX 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. 
Delete the accounts below : XXXX Card Services XX/XX/XXXX XXXX Card Services 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 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 2025-02-09 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: MD

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 XXXX 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 2025-02-09 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: PA

Complaint narrative:
Experian fails to properly and accurately report information on my consumer credit report with regard to a XXXX XXXX account. I recently disputed this account requesting verification and a XXXX. This account has been disputed numerous times and since the date of charge off I was never provided the XXXX. I recently received the XXXX which is dated XX/XX/year> under the date of identifiable event section on the form itself. This item has been negatively reporting as a charged off account for the last XXXX years. The amount listed on the XXXX as the charge off amount ( {$9900.00} ) does not reflect the amount being reported on my consumer credit report. The amount being reported is {$19000.00} as charged off/written off status on my report. The IRS too needs to be notified of this erroneous information. This is a violation time and time again that Experian has been causing consumers of FCRA section code 15 USC 1681B ( a ). This has negatively impacted my consumer report resulting in repeated denials from potential lenders. The negative and erroneous reporting of this item has cause tremendous damage to my consumer credit report over the last XXXX months. I am seeking the immediate deletion of this item from my consumer credit report as well as punitive damages in the amount if {$5000.00} for the continued erroneous and negligent reporting of this account.

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 2025-02-09 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: AL

Complaint narrative:
IN REGARDS TO THIS ACCOUNT, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that ALL XXXX credit bureus is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports

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 2025-02-09 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial 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 disputed outcomes. These failures align with my experience, where Experian has neither corrected or 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
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently received credit card that I did not apply for. It is reflected on my credit report with a balance. I have never applied for this card and have not visited this store in almost a year. XXXX sent a card to me and its not mine. It is even under my maiden name vs my married name. They wont answer my calls to remove it or cancel it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
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 Dispute of Account Charges Due to XXXX  Dear XXXX  Customer Service , I am writing to formally dispute the {$590.00} bill on my XXXX  account for the period of XX/XX/XXXX to XX/XX/XXXX. I have been XXXX  since XX/XX/XXXX and remain in XXXX, with a scheduled XXXX  date in XXXX. As such, I could not have incurred these charges, and I believe they may be due to an error or unauthorized usage. 

I kindly request an investigation into this matter and ask for the following actions : XXXX. Verification of Charges Please provide detailed records of the usage and account activity for this period.

2. Account Adjustment or Closure If the charges are incorrect, I request the removal of this balance from my account.

3. Credit Report Correction If this debt has been reported to the credit bureaus, I request that it be removed due to my documented incarceration. 



I am happy to provide proof of my XXXX  if necessary. Please respond to this dispute in writing at the address above or through an authorized representative on my behalf. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX {$XXXX} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NOT RECOGNIZED 12/10/1978 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX Credit Union XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX NOT RECOGNIZED XX/XX/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 2025-02-09 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX {$XXXX} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NOT RECOGNIZED 12/10/1978 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Mortgage Companies - XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX, XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX Credit Union XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Companies - XXXX  XX/XX/XXXX XXXX XXXX NOT RECOGNIZED XX/XX/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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: LA

Complaint narrative:
This one was dated XX/XX/year> I have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
On my credit report i have accounts still on my report that have been closed more that XXXX XXXX would like them deleted. 
sleepys officially went out of business in XXXX  i closed my account years before that and it is still visible on my credit report. 
Also My old addresses that i haven't lived at for at least 20 years are still on my experian 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 2025-02-09 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: CA

Complaint narrative:
Hard inquiries are fraudulent Please need to removed XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/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 2025-02-09 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: CA

Complaint narrative:
Hard inquiries are fraudulent Please need to removed XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
This company is violating my consumer rights! Not properly licensed to collect.

Company response to consumer: Closed with explanation