vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my repeated attempts to submit a goodwill adjustment request to Capital One in reference to my account ending in XXXX. 

This is now the third letter I have submitted to Capital One, as I have not received proper communication or follow-through regarding my initial request. I initially submitted my goodwill request and followed up accordingly. On Thursday, XX/XX/XXXX, I spoke with two separate Capital One representatives who assured me that my request had been received and no additional documents were required at that time. 

However, on Saturday, XX/XX/XXXX, I was informed that I now need to submit a copy of my credit report with the relevant late payment dates highlighted. I would like to note that this information was already documented in my follow-up letter submitted on XX/XX/XXXX to XXXX XXXX XXXX , CEO of Capital One. It is very discouraging to receive inconsistent information after previously being told that nothing further was required. 

To reiterate, I am requesting a goodwill adjustment for the removal of late payments reported on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Since those reported late payments, I have worked diligently to reestablish a positive payment history and have made significant strides in rebuilding my credit profile. 

I must also stress that I am currently in a transitional living situation I am homeless at this time. 
This situation makes timely resolution and communication from Capital One even more critical, as I am actively working toward financial stability and the ability to secure permanent housing. I am employed full-time and taking every responsible step I can, but the delays and miscommunication from Capital One are directly impacting my progress and well-being. 

I am submitting this complaint to the CFPB in hopes that it will prompt the attention and corrective action necessary. I am simply requesting fair treatment, acknowledgment of my prior submissions, and the consideration of my request as outlined. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I have sent multiple complaints via CFPB but I don't know why these items are still on my credit report when I have done my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I have sent multiple complaints via CFPB but I don't know why these items are still on my credit report when I have done my part.

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 2025-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I got an email that my accounts were in the process of being closed and that there would be no money coming in or out of my account ta until they are closed within 60 days or so. Yet my direct deposit for my monthly pension still went into my savings account on XX/XX/XXXX. Before I had a chance to cancel the deposit. Its now still in my old savings account binding in XXXX and all Im told is that I will get a check sometime between XXXX and 60 days or more I rely on that money to live and if I was told this would happen I would have done everything in my power to convert the deposit into a paper check. Now all Im told is I have no choice but to wait the 60 days or longer to get this check in the mail and theres nothing they can do. They also said I can try going into a branch but wouldnt say if it would help me in any way. 

If theres anything you can do to help expedite me getting my money I would really appreciate it I have had nothing to live on since XX/XX/XXXX 1st

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 2025-04-12 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: MD

Complaint narrative:
TransUnion is currently reporting a collection account from XXXX XXXX XXXX ( XXXX ) that is inaccurate, unvalidated, and disputed. I previously submitted a written dispute to XXXX regarding this account. They responded with a generic stall letter that does not include any form of proper debt validation under FDCPA or FCRA standardsno signed contract, no itemized breakdown, and no chain of title. 

Despite this, TransUnion allowed XXXX to update the tradeline on XX/XX/year>, while the debt remained disputed and unverified. 

I filed a lawsuit against XXXX XXXX XXXX XXXX XXXXXX/XX/year>, for continued violations of the FDCPA and FCRA. XXXX is now under litigation, and the debt remains unvalidated. TransUnion is still reporting the tradeline without indicating its under dispute, and without removing the unverifiable informationwhich is a willful violation of FCRA 623 ( b ).

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am submitting this complaint regarding a sudden and adverse action by Synchrony Bank, which closed my credit account without prior notice. The cited reason was an alleged excess of authorized users. However, the bank never disclosed a user limit, nor did its platform restrict or alert me when adding users. My actions were fully within the systems design and standard usage expectations. 

This abrupt closure, without a 30-day notice or opportunity for correction, has harmed my credit profile and disrupted my financial planningdespite my long-standing record of responsible account management. The lack of transparency and procedural fairness raises concerns of a potential unfair or deceptive act or practice ( UDAP ). 
Moreover, the selective enforcement of an undisclosed policy may reflect discriminatory or disparate treatment, possibly violating fair lending and equal access principles. 

I contacted the bank to seek clarification and reversal, but my request was dismissed without a reasonable explanation. I therefore respectfully request that the Consumer Financial Protection Bureau investigate this matter and consider appropriate corrective action, including review of the closure and mitigation of credit harm. 

Thank you for your attention.

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 2025-04-12 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: FL

Complaint narrative:
I am not an authorized user on several accounts ; but my credit file lists me as an authorized user for the following accounts : 1 ) XXXX XXXX : XXXX 2 XXXX XXXX XXXX : XXXX 3 ) XXXX  XXXX : XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX : XXXX 6 ) Also, there are XXXX XXXXXXXX incorrectly reported on my credit file with incorrect history statuses. 

XXXX : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

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 seven 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA
State: UT

Complaint narrative:
In XXXX I opened XXXX XXXX XXXX XXXXXXXX credit card account with Omaha First National Bank of Omaha. On XX/XX/XXXX I received an email statement from Omaha First National Bank that the statement is available with an outstanding balance of XXXX $ and due date is XX/XX/XXXX. 
On XX/XX/XXXX I logged in to my Omaha First National Bank account to pay off the balance, but I realised that all the information was missing and that I was unable to pay off the balance. Then I remembered that I received an email on XX/XX/XXXX to activate a new card, which I didn't even request and considered a scam. 

When I reviewed it, I noticed it is from XXXX XXXX, a bank that was not known to me, nor did I ever have business with it but shares the same name as Best Western Rewards card that I have with Omaha First National Bank of Omaha.

Omaha First National Bank of Omaha transferred all my personal information, including my social security number, account balance, and checking account details, to XXXX XXXX. I didn't consent to this, nor I permitted to do it. XXXX XXXX is not holding my personal information without my consent. This caused fear, stress, and anxiety attacks because I was unable to access the account, not I was not able to pay off my balance. After several attempts to reach XXXX XXXX, I was able to talk with customer service when they told me to provide my checking account to pay off the balance. I also realised that they hold all my information, including my social security number, because they have asked me to confirm it for security purposes. When asked to delete all the data, they told me they can not do that. 

They didn't provide options to pay the transferred balance with a credit card or debit card, so I needed to provide them my checking account to pay off the balance and avoid late penalty fees. I never received the statement from XXXX. 
It is specifically distressing to know that my personal information was shared and transferred without my consent or any notification. XXXX XXXX issued and opened a new account in my name that I didn't even apply for or agreed to.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
Vanderbilt mortgage keeps opening and account that has been closed and hitting my credit. I no longer have that account and so there is nothing to make payments on. Everytime they open it I get docked XXXX points then after a dispute I get XXXX points right back. But either way I'm tired of going back and forth with the idiots

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
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. 
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  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co
State: CA

Complaint narrative:
This is not a duplicate. On my credit report there are two different accounts reporting. I reported both accounts separately in my FTC report as well as my CFPB report for that reason. Please dont think that this is a duplicate, because on my credit report it shows different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 seven 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 2025-04-12 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: EQUIFAX, INC.
State: NV

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: EQUIFAX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: 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

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Wrong phone number - Wrong information Also banks spreading and laundering my information around to others Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent multiple complaints via CFPB but I don't know why these items are still on my credit report when I have done my part.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Companies Complained Against : 1. LexisNexis Risk Solutions 2. XXXX XXXX Consumer Information : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX LexisNexis Consumer Number XXXX XXXX Consumer Number : Summary of Issue : I am filing this complaint regarding inaccurate and incomplete information held on my consumer files by both LexisNexis Risk Solutions and XXXX XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have sent ( and attached to this complaint ) a formal letter demanding the following : 1. Dispute of Entire File : I dispute the accuracy and completeness of allinformation contained in my consumer reports held by both LexisNexis and XXXX, including personal data, public records, accounts, inquiries, and sources. 
2. Full Reinvestigation : I demand a thorough reinvestigation of every item within the FCRA-mandated 30-day timeframe. I do not consent to any extensions. If the investigation is not completed within 30 days, the information must be deleted. 
3. Security Freeze : I demand XXXX XXXX place an immediate security freeze on my consumer file. 
4. Freeze Confirmation : I require confirmation that the security freeze previously placed on my LexisNexis file ( Case # XXXX ) is active. 
5. Full File Disclosure : I demand complete copies of my consumer reports ( full file disclosures ) from both companies. 

I am requesting the CFPB 's assistance in ensuring these companies comply fully and timely with their obligations under the FCRA regarding my dispute, investigation request, security freeze request, and file disclosure request. 

I have also enclosed my dispute letter to be forwarded. Thank you.

Company response to consumer: Closed with non-monetary relief