vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Capital One Kohls credit card with a statement balance of XXXX {$50.00}. I missed the payment because I never use that card. When I paid the statement balance in XXXX, I had a late fee and an interest charge. I got on a call with the customer service representative and paid off my balance and requested a credit for the late fee and the interest charge. The representative agreed to remove the late fee and interest charge since I paid my balance in full. But before the representative could remove the late fee and interest charge, the call disconnected. The representative never called me back and I assumed that their charges were reversed, but they weren't, and I got a late fee on the late fee, and that impacted my credit score. Now I am not able to get any loans approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX RE : DENIAL OF ACCESS TO FREE ANNUAL CREDIT REPORT - FCRA VIOLATION CERTIFIED MAIL RETURN RECEIPT REQUESTED To Whom It May Concern : This letter serves as a formal complaint regarding your failure to provide access to my free annual credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j.

BACKGROUND : Under the Fair and Accurate Credit Transactions Act ( FACTA ) and 15 U.S.C. 1681j, I am entitled to receive one free credit report annually from each nationwide consumer reporting agency through the centralized source XXXX. 
VIOLATION OF RIGHTS : I have been unable to access my free annual credit report from your agency through XXXX. Despite multiple attempts to obtain my legally mandated free report, the system has denied me access, effectively preventing me from exercising my statutory rights under federal law. 
FCRA REQUIREMENTS : Under 15 U.S.C. 1681j ( a ) ( 1 ) ( A ), you are required to : Make available to consumers a toll-free telephone number Provide a centralized source ( AnnualCreditReport.com ) for obtaining free annual credit reports Ensure the system functions properly and provides consumer access Process requests within 15 days of receipt SPECIFIC ISSUES ENCOUNTERED : Unable to complete verification process on XXXX System errors preventing report access Technical failures blocking my statutory right to free credit reports FORMAL DEMAND : I hereby demand that you immediately : XXXX. Provide My Free Annual Credit Report : Send my complete credit report via mail within 15 days, as I am unable to access it through the required online portal. 
XXXX. Fix Technical Issues : Resolve any technical problems preventing consumers from accessing their free reports through XXXX. 
3. Written Explanation : Provide a detailed written explanation of why I was denied access and what steps youve taken to remedy the situation.

4. Ensure Future Access : Guarantee that I will be able to access future free annual credit reports without technical barriers. 
ALTERNATIVE REQUEST METHOD : Since the online system has failed, I am requesting my free annual credit report be provided via mail. Under 15 U.S.C. 1681j, you must provide alternative methods when the primary system fails to function properly.

LEGAL NOTICE : Your failure to provide access to free annual credit reports may constitute : Violation of 15 U.S.C. 1681j ( Free Annual Credit Reports ) Potential regulatory enforcement action by the CFPB Violation of consumer protection laws Interference with federally mandated consumer rights

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 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I am writing to formally dispute a collection account related to XXXX XXXX and XXXX XXXX ( XXXX XXXX  XXXX ) that appears on my credit. The debt has been sold or transferred to a third-party entity ( Contract Callers INC ) , yet it remains listed in a manner that is either inaccurate, duplicated, or unverifiable. This is a direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a formal dispute under FCRA Section 611 ( 15 U.S. Code 1681i ). Please investigate this item. If you can not verify it with original documentation from the data furnisher, it must be deleted within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received an email from XXXX XXXX issued by Synchrony Bank saying I was invited to apply without any impact to credit score. I applied, and was approved with a {$1400.00} credit limit. The account was opened on XX/XX/year> and then closed by Synchrony Bank on XX/XX/year>. Now my credit shows an inquiry, opened account, and an account closed by the guarantor. When speaking with XXXX about the issue they said it was because I was a high risk of not paying. Which I feel should have been considered before approving the 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 2025-06-02 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: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Formal FCRA Dispute Escalation Improper Reinvestigation, Method of Verification Demand, and Continued Reporting of Inaccurate/Fraudulent Items ________________________________________ Summary of the Issue : I am filing this complaint to escalate an ongoing Fair Credit Reporting Act ( FCRA ) dispute involving all three major credit reporting agenciesEquifax, TransUnion, and Experian. Despite submitting multiple disputes and supporting documents, these agencies have : 1. Failed to conduct a reasonable reinvestigation of disputed information.

2. Failed to provide a legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ).

3. Continued to report fraudulent and inaccurate personal and account information, despite valid proof of identity theft. 
________________________________________ Details of the Dispute : I submitted formal disputes to Equifax, TransUnion, and Experian on the following dates : o XX/XX/year> o XX/XX/year> o XX/XX/year> o XX/XX/year> I received template responses on XX/XX/year>, XX/XX/year>, and XX/XX/year> that failed to provide specific MOV details. 
I provided the agencies with : o FTC Identity Theft Report o Police report ( case number withheld for privacy ) o Proof of identity and address Despite this, the agencies did not block fraudulent information as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The bankruptcy and multiple unauthorized accounts remain on my report. 
My personal information, including name variations, outdated addresses, and phone numbers, has not been properly updated or removed. 
________________________________________ FCRA Violations : 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation. 
611 ( a ) ( 7 ) Failure to provide Method of Verification.

607 ( b ) Failure to ensure maximum possible accuracy.

605B Failure to block fraudulent information upon valid request.

1681s-2 Furnishers failed to report accurate information.

1681b ( g ) Failure to safeguard consumer data. 
________________________________________

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 2025-06-02 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: FL

Complaint narrative:
This is a formal complaint regarding Experian Information Solutions XXXX XXXX for its inadequate reinvestigation process and willful failure to comply with its duties under the Fair Credit Reporting Act ( FCRA ).

Issue Summary : In 2025, I submitted formal disputes to Experian concerning multiple tradelines that appear inaccurately on my credit report. These included : XXXX XXXX ( 2 accounts ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dispute letters clearly identified errors such as : Charge-offs being reported with active payment schedules Inaccurate past due balances Incomplete payment histories Unverified balances on a state-reported child support collection Experian completed its reinvestigation within a short time frame and marked the accounts as verified, despite failing to correct the reporting errors. This response was generic, automated, and failed to provide any meaningful validation or documentation to support the continued reporting. 
Violation Summary : Experian 's conduct constitutes a violation of the following sections of the FCRA : Failure to follow reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) Failure to conduct a proper reinvestigation after a dispute is filed ( 15 U.S.C. 1681i ( a ) ) These violations are subject to civil liability under 15 U.S.C. 1681n and 1681o By continuing to report unverifiable, outdated, or clearly inaccurate information after receiving a formal dispute, Experian has willfully and/or negligently failed to comply with its duties as a consumer reporting agency. 
Impact on Me : As a direct result of Experians failure to investigate and correct this harmful data, I have experienced : Multiple credit denials ( housing, credit cards, and auto financing ) Increased interest rates due to lower creditworthiness Disruption of housing stability, including temporary homelessness Ongoing emotional distress, reputational damage, and financial hardship

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 2025-06-02 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. XXXX XXXXXXXX

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 2025-06-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request to Correct Inaccuracies in My Credit Report Dear Experian, I am writing to formally dispute inaccuracies in my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611. Upon reviewing my credit report, I have identified several errors that I request be investigated and corrected promptly.

The inaccuracies include : Incorrect or outdated addresses listed in my report.

Variations of my name that are inaccurate or not associated with me.

Incorrect employment information, also inquiries.

These errors are causing confusion and may negatively impact my credit profile. Under FCRA Section 609 ( a ) ( 1 ), I have the right to request all information in my credit file, including the sources of this inaccurate information. Additionally, under FCRA Section 611 ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and Equifax is required to conduct a reasonable investigation and correct or delete any unverifiable information. 
Please find my identifying information below to assist with your investigation : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I have also attached copies of the following documents to verify my identity and support this dispute : A copy of my government-issued ID. 
A bank statement showing my current address. 

I request that you investigate these inaccuracies, update my credit report to reflect accurate information, and provide me with a corrected copy of my credit report emailed to me only using my email address. If you require any additional information, please contact me at XXXX or XXXX. 

I appreciate your prompt attention to this matter and look forward to your written confirmation that these issues have been resolved within the 30-day timeframe required by law. 

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened online account. I made ach deposit. In past 2 days I called multiple times due to chase locking my online account abd refuaing zelle withdrawals. I spoke to XXXX, XXXX, XXXX, XXXX, XXXX and someone else. They kept promising my account will be unlocked and I can use it but they kept locking it again. I can't usr my account. I'ce been humiliated bu chase multiple times. They treat me as a thief. Please take immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1.Actual verif
ication of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). Failure to comply will result in immediate legal action. I am
fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME.

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 2025-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
Jefferson Capital collection is reporting false information on my credit report. Several companies leak my data equifax being one of them. I have been disputing the same accounts and they still will not remove them i am homeless an can not get apartment because of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MO

Complaint narrative:
My XXXX XXXX has been paid off. The balance was interest and wasn't due til XXXX XXXX. I'm being reported everytime something fall off Experian they will find anything to put it on my credit. I want this removed NOW

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