vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding an account being inaccurately reported on my credit report by XXXX XXXX, Account Number. 

This account was included and XXXX under bankruptcy, yet it is still being reported as delinquent, which is incorrect and misleading. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to report information that is accurate and complete. 

Specifically, under FCRA Section 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, under FCRA Section 611 [ 15 U.S. Code 1681i ], if a consumer disputes the accuracy of any item of information, the agency is required to reinvestigate and correct or delete the item that is found to be inaccurate or unverifiable. 

I have attached supporting documentation showing that this debt was XXXX in bankruptcy. I request that this account be updated immediately to reflect a XXXX balance, XXXX in bankruptcy, and not reported as active, delinquent, or in collections.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding an account being inaccurately reported on my credit report by XXXX XXXX, Account Number. 

This account was included and XXXX under bankruptcy, yet it is still being reported as delinquent, which is incorrect and misleading. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to report information that is accurate and complete. 

Specifically, under FCRA Section 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, under FCRA Section 611 [ 15 U.S. Code 1681i ], if a consumer disputes the accuracy of any item of information, the agency is required to reinvestigate and correct or delete the item that is found to be inaccurate or unverifiable. 

I have attached supporting documentation showing that this debt was XXXX in bankruptcy. I request that this account be updated immediately to reflect a XXXX balance, XXXX in bankruptcy, and not reported as active, delinquent, or in collections.

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 2025-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
On XX/XX/XXXX, I signed a contract with Freedom Debt Relief, not knowing I had been working with a third party ( I'd responded to a postcard ad, ) I was told NEVER to communicate with XXXX myself from that point on. Over the next XXXX months, I deposited {$1000.00} in a FDR account. On XX/XX/XXXX I received notification from XXXX that they had reached a settlement my XXXX Card and asked that I sign off on it. I immediately decided that I did not want XXXX to settle my account and told them so. However, it took FDR over 12 days to finally let XXXX know that I had discontinued my relationship with FDR. The delay resulted in my XXXX bill going into something called a charge off, which of course, FDR had never mentioned, and my XXXX XXXX plummeting from XXXX to about XXXX and creating a huge problem with my ability to refinance the mortgage, among other financial issues. FDR said they could do nothing. I made multiple calls to XXXX, who said they could do nothing. As a result of neither corporation assuming any responsibility, I am stuck in the middle and my financial life is in chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One charged me interest on a purchase that was under a 15-month 0 % promotional rate. At no point during the promotional period did Capital One disclose the exact expiration date of that offer on any of my monthly statements.

I believe this is not an oversight, but a deliberate and deceptive design intended to mislead customers and trigger unexpected interest charges. If even Capital Ones own customer service representatives had to dig through multiple systems and transfers to find the expiration dateas they did during my three phone callsthen its clear this information is being intentionally hidden from consumers. 

When I finally reached a representative named XXXX ( Batch # XXXX ), he was unprofessional, dismissive, and outright refused to transfer me to a supervisor, stating he is the highest senior I could talk with. This is unacceptable customer service and indicative of a broader culture of avoiding accountability. 

I have never requested a waiver before, and this charge was the result of Capital Ones lack of transparencynot customer negligence. The practice of omitting expiration dates from statements while enforcing them is deceptive and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
From my checking in Santander Bank account money where taken fraudulent way without me knowing and made negative balance and soon when my XXXX  came, living me with less money to survive. I'm a XXXX, receiving XXXX  in Santander Bank. Usually take money only once a month when my XXXX  arrived because I am not XXXX. 
Bank let someone withdraw money when I had XXXX balance on my account without my knowledge or consent. I don't use checks, I am straggle to meet ends. 
I tride to report fraudulent transaction on my account in a first day it's happened and Santander Bank doesn't have XXXX hour phone line where I can do it. I use several numbers of Santander, but all of them just dropped my calls without letting me throu. I went to the bank on first working day and I wasn't treated right. Took for me to ask for manager to take my complaint and even after that I still don't know if they handle it's right way cause on my account less money from XXXX  for me to take. Because that fraudulent withdrawal with fraudulent check without my signature or knowledge, or permission I lost portion of my XXXX. Bank let it happen to me. 
Please help! 

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filing this complaint against Capital One due to their continued failure to resolve fraudulent activity on my account, despite previously acknowledging it and assuring me it would be removed. As of XX/XX/year>, this issue has persisted for several months and has directly prevented me from enrolling in a repayment plan or hardship program. 

Each time Ive contacted Capital One, Ive been told the fraud alert is still active and the charges remain on my account. As a result, I am being unfairly charged late fees, reported as delinquent to the credit bureaus, and my account has been sent to collectionsall stemming from fraudulent activity Capital One previously stated would be removed. 

This mishandling has caused severe stress and damage to my credit. I have made every effort to resolve this matter with Capital One, including requesting a payment plan, but they have failed to take appropriate action or provide meaningful assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: GA

Complaint narrative:
erroneous claims that do not reflect my actual financial activity or obligations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize or open this account, nor did I incur the associated debt. I believe my personal information was used without my knowledge or consent. This account is the result of identity theft. 

This is not the first time I have disputed this account. I previously filed a dispute with the credit bureaus and XXXX XXXX directly. However, the account was erroneously verified despite providing documentation of identity theft XXXX, including a police report filed under Tracking Number XXXX, dated XX/XX/year>. The original dispute failed to properly consider the nature of the fraud involved.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate Student Loan Reporting Under FCRA and FERPA I am writing to formally dispute inaccurate information that appears on my credit report concerning student loan accounts reported by XXXX XXXX These accounts are currently being furnished to XXXX and TransUnion, but not XXXX  This inconsistency is unjustified and reflects negatively on my credit report, despite my loans being in good standing. 

The student loan accounts in question were placed into graduate forbearance in XXXX with no late payments ever recorded. During the COVID-19 pandemic, they were also placed under automatic forbearance as outlined under the CARES Act. At no time was I notified of or consented to negative reporting, and these loans were never in default. XXXX has already removed these accounts, acknowledging their inaccuracy. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). The loans were placed in forbearance without my express written consent and are being inaccurately reported. This violates my rights and damages my financial future. 

I request that these accounts be permanently removed from my credit report with XXXX and TransUnion immediately. 

If these inaccurate items are not corrected within 15 days, I will pursue legal action and file official complaints with the Department of Education, CFPB, and other regulatory bodies. I will also seek damages of {$1000.00} per violation, plus punitive damages and legal fees. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate Student Loan Reporting Under FCRA and FERPA I am writing to formally dispute inaccurate information that appears on my credit report concerning student loan accounts reported by XXXX XXXX These accounts are currently being furnished to Experian and XXXX, but not XXXX This inconsistency is unjustified and reflects negatively on my credit report, despite my loans being in good standing. 

The student loan accounts in question were placed into graduate forbearance in XXXX with no late payments ever recorded. During the COVID-19 pandemic, they were also placed under automatic forbearance as outlined under the CARES Act. At no time was I notified of or consented to negative reporting, and these loans were never in default. XXXX has already removed these accounts, acknowledging their inaccuracy. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). The loans were placed in forbearance without my express written consent and are being inaccurately reported. This violates my rights and damages my financial future. 

I request that these accounts be permanently removed from my credit report with Experian and XXXX  immediately. 

If these inaccurate items are not corrected within 15 days, I will pursue legal action and file official complaints with the Department of Education, CFPB, and other regulatory bodies. I will also seek damages of {$1000.00} per violation, plus punitive damages and legal fees. 

Sincerely, 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 2025-05-05 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: GA

Complaint narrative:
When I went to review my credit profile there were some inquiries that were not mine.

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 2025-05-05 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX C Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate Student Loan Reporting Under FCRA and FERPA I am writing to formally dispute inaccurate information that appears on my credit report concerning student loan accounts reported by Nelnet . These accounts are currently being furnished to XXXX and XXXX, but not XXXX. This inconsistency is unjustified and reflects negatively on my credit report, despite my loans being in good standing. 

The student loan accounts in question were placed into graduate forbearance in XXXX with no late payments ever recorded. During the COVID-19 pandemic, they were also placed under automatic forbearance as outlined under the CARES Act. At no time was I notified of or consented to negative reporting, and these loans were never in default. XXXX has already removed these accounts, acknowledging their inaccuracy. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). The loans were placed in forbearance without my express written consent and are being inaccurately reported. This violates my rights and damages my financial future. 

I request that these accounts be permanently removed from my credit report with XXXX and XXXX immediately. 

If these inaccurate items are not corrected within 15 days, I will pursue legal action and file official complaints with the Department of Education, CFPB, and other regulatory bodies. I will also seek damages of {$1000.00} per violation, plus punitive damages and legal fees. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was in jail from XX/XX/year> to XX/XX/year> showed them proof of jail records someone broke into my apartment stole my phone and all my belongings showed police report of that they still denied my dispute transactions clearly it was not me spending all my money I had to get new phone email address everything new I'd just to get back into my account with chime they keep denying my disputed I'm sick of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
Sofi bank closed my account and will not send the rest of the remaining balance to the original sender like they said they were going to do. This has been since XX/XX/year>. As you can see in the pictures I attached they have closed my account, and still havent gave me my money or to the original sender. I have beliefs Sofi and trying to prolong this so they can take the money and keep for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-05 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: IA

Complaint narrative:
The most appropriate and fair outcome in this matter is the full removal of the inaccurate negative entries from my credit report. I have made every effort to resolve these discrepancies through the proper channels, yet they continue to go uncorrected. It is both frustrating and deeply discouraging that no meaningful steps have been taken. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report, free from unverifiable or incorrect data. Your ongoing inaction not only breaches this legal obligation but has also caused serious financial hardship and XXXX XXXX. I strongly urge you to take prompt and definitive steps to eliminate these harmful items from my credit file.

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