vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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 fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have ask for several accounts to be taken off of my credit report due to incorrect information as well as accounts that did not belong to me. 
Instead the accounts were sold to collection companies without proper verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: IL

Complaint narrative:
I am filing this formal complaint against Equifax for its repeated failure to properly investigate inaccuracies on my credit report. Despite my diligent efforts to dispute incorrect information, Equifax has consistently responded within 24 hours, asserting that the disputed accounts are accurate. However, these responses lack evidence of a thorough investigation, a violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are obligated to conduct reasonable investigations into disputed information. Equifax 's failure to fully investigate my disputes and provide substantiated evidence of the accuracy of the accounts in question is a direct breach of this requirement.

Furthermore, Equifax 's actions violate the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S. Code 5536 ( 1 ), which prohibits any covered person or service provider from : ( A ) Offering or providing financial products or services in a manner inconsistent with federal consumer financial law, or committing acts or omissions in violation of such laws ; or ( B ) Engaging in unfair, deceptive, or abusive acts or practices. 

By failing to properly investigate disputes and by issuing cursory, unsupported responses, Equifax has demonstrated unfair and unethical practices that negatively impact consumers. 

Specifically, I have disputed the following accounts as inaccurate : XXXX BANK XXXX This account is marked as closed but shows " XXXX Potentially Negative Months '' on my credit report, which is erroneous. 

XXXX XXXX  XXXX This account contains inaccuracies that Equifax has not adequately investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt - Which shows on the credit report a poor score of 30 % I request that the Consumer Financial Protection Bureau take action to ensure Equifax complies with federal law. Equifax must conduct thorough investigations into disputed accounts, provide consumers with proof of its findings, and remove any inaccurate or unverifiable information from credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I've asked this company to remove this account from credit before and they fail to do so. As a consumer they are violating my rights a consumer. I never signed a agreement with XXXX. Please provide wet signature where I signed an agreement with XXXX. I only signed an agreement with the apartment complex not XXXX. XXXX XXXX system is violating my rights as a consumer. Please send all Original Account -Level documentation ( OALD ) Also send when the account was bought and also send proof of title and ownership that National XXXX XXXX owns this account and how much they purchased this account. XXXX XXXX XXXX have 30 days to provide me with all the information I am requesting. After I receive the information I am requesting I will be going to XXXX XXXX courts. I never signed an agreement with XXXX at all. 15 USC 1681 states written permission has to be given for an account to report on an individual credit report. I did not give written consent for XXXX XXXX to report anything on my credit file. Please remove account immediately.

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 2025-01-24 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: GA

Complaint narrative:
I've asked this company to remove this account from credit before and they fail to do so. As a consumer they are violating my rights a consumer. I never signed a agreement with XXXX. Please provide wet signature where I signed an agreement with XXXX. I only signed an agreement with the apartment complex not XXXX. XXXX XXXX XXXX  is violating my rights as a consumer. Please send all Original Account -Level documentation ( OALD ) Also send when the account was bought and also send proof of title and ownership that National XXXX XXXX owns this account and how much they purchased this account. XXXX XXXX XXXX have 30 days to provide me with all the information I am requesting. After I receive the information I am requesting I will be going to XXXX XXXX courts. I never signed an agreement with XXXX at all. 15 USC 1681 states written permission has to be given for an account to report on an individual credit report. I did not give written consent for XXXX XXXX to report anything on my credit file. Please remove account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
XXXX XXXX  with account # XXXX, and a balance of {$940.00}, I have no knowledge of this account from XXXX I never lived, work, or visit the state of XXXX  XXXX MO, so there in no reason why I should open an account with XXXX. I am asking XXXX XXXX  and XXXX XXXX to uphold their statuary obligation according to the FCRA and remove the account immediately. Failure to remove the account I will file a lawsuit with my FCRA attorney.

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 2025-01-24 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: MD

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

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 2025-01-24 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:
In violation of 15 USC 1681, my social security number, date of birth, driver 's license, and other information was exposed in the Experian, XXXX, and XXXX data breaches where hackers stole billions of people 's personal and private information, including mine. Fraudulent accounts have been opened up and operated in my name. Therefore, hackers and imposters have been illegally using my information without my permission or knowledge. I need all XXXX of my reports wiped clean immediately.

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 2025-01-24 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account 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 2025-01-24 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: DE

Complaint narrative:
To whom it may concern, Experian has failed to full fill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute account, 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 2025-01-24 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: OK

Complaint narrative:
In XXXX XXXX XXXXXXXX, Equifax began reporting reporting my XXXX XXXX  account, an account paid in full in XXXX, as 60 days delinquent in XX/XX/XXXX and 90 days delinquent in XX/XX/XXXX. THE ACCOUNT WAS PAID IN FULL IN XXXX. I have filed multiple requests to correct the issue and have been denied credit as a result of this error. I have disputed, I have spent more than six hours on hold. I have escalated to equifax and shellpoint and have been abused by both who repeatredly promise corrective action and do absolutely nothing.. Today I was told by an Equfax supervisor, there is absolutely nothing that can be done ... ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
I disputed inaccurate information on my credit reports with XXXX, XXXX, and TransUnion by sending dispute letters with supporting documentation on [ XXXX XXXX ]. Despite their legal obligation to investigate and correct errors, the disputed items remain unchanged, and no proper resolution has been provided. These credit bureaus are currently being sued for similar violations, including failing to investigate and correct inaccurate information, which further supports my complaint.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-24 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XXXX XXXX account number XXXX,, a personal loan account opened at XXXX XXXX on XXXX the account number XXXX XXXX XXXX credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a bankruptcy account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under reference account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
received offer on XX/XX/XXXX to spend {$500.00} outside of XXXX XXXX XXXX and get a {$50.00} reward Activated offer and spent the {$500.00} by the end of the offer period of XX/XX/XXXX Did not receive reward after XXXX statements, so contracted Capital One. 
They told me it would be issued on the next billing cycle after XXXX after the end of the offer period, which would be XX/XX/XXXX. 
They confirmed I met the criteria for the promotion. 
My next billing cycle ended XX/XX/XXXX, which is when they wold me the reward would be issued. 
It was not. 
I called and spent XXXX minutes on the phone with no resolution. They again confirmed I met the terms of the promotion, but didn't know why the reward had not been issued and created a case with their technical people. I was unable to get any type of case number. To follow up, I have to call back the general customer service number and route through a phone tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX 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 2025-01-24 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: NY

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report I have identified the following item ( XXXX ) that contain inaccuracies : The following personal information is incorrect : XXXX. This account is not mine XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX Please remove it from my credit report XXXX account is not mine XXXX XXXX XX/XX/XXXX {$8500.00} XXXX Please remove it from my credit report XXXX account is not mine XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$240.00} Please remove it from my credit report XXXX. This account is not mine XXXX XXXX XXXX ACCT # XXXX {$1600.00} XX/XX/XXXX Please remove it from my credit report XXXX. This account is not mine XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX {$510.00} Please remove it from 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 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX 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, Transunions 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.

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