vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Fraudulent Account Identified : Creditor : XXXX XXXX XXXX Account Type : Auto Loan Opened : XX/XX/XXXX Original Balance : {$14000.00} Current Amount : {$7400.00} Account Number : XXXX Evidence of Identity Theft : Police Report Number : XXXX This account was opened fraudulently during a documented data breach Equifax XX/XX/XXXX data breach I submitted an FTC Identity Theft Report XXXX and a police report to all three credit bureaus and XXXX XXXX. 

I have repeatedly requested copies of the original application and contract from XXXX XXXX to prove this account is not mine, but they have not responded. 

Credit Bureau Failures : I first disputed this account with Equifax, Experian, and TransUnion via certified mail Despite providing copies of my identity theft report, SSN, and government-issued ID, the bureaus have neither investigated nor removed the account. 

It has been over five years since my initial dispute, and I have received no substantive response from the bureaus or XXXX XXXX. 

Violations of the FCRA The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( d ) : Failure to notify me of investigation results within 30 days. 

Requested Resolution I urge the CFPB to : Investigate Equifax, Experian, and TransUnion for their noncompliance with the FCRA. 

Direct the bureaus to permanently remove the fraudulent XXXX XXXX account from my credit reports. 

Require the bureaus to provide written confirmation of the deletion and corrected copies of my reports. 

Investigate XXXX XXXX refusal to provide documentation or respond to my disputes. 

Require the bureaus and XXXX XXXX to explain how this fraudulent account originated ( e.g., data breach vulnerabilities ).

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied and was approved for a Savor card with Capital One,. They sent the card, i verified my identity LIVE, they activated the card and I used XXXX $ of my XXXX $ limit and then when I went to use my card again it kept declining. Keep in mind I had done explained to them multiple times about my address and phone number being different than previous. I had fled a XXXX XXXXXXXX situation with my kids, we left with nothing but the clothes on our backs. I had been cleaning houses and businesses, getting paid cash for almost all of XXXX XXXXrying to get back on my feet. After I made the XXXX $ purchase, within minutes they froze my card, I called and they said they wanted bank statement with my name and address on them, 3 months worth. Which I felt was a direct jab to me after I had explained my situation. I sent them copies of my tax return to verify my address as it's all I have at this point. Not that im not working, not that I can't afford house, we j8st haven't been able to get I to one yet. I had just opted for the card to help when I fell on hard times. I have lost all faith I had in capital one at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
I am formally disputing five collection accounts that appear on my credit report. I have previously submitted disputes with the credit bureaus and the furnishers, but I have not received any proper response or investigation results as required by the Fair Credit Reporting Act ( FCRA ). Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to a timely and reasonable investigation of any item I dispute. These accounts are either inaccurate, unverifiable, or not in compliance with FCRA requirements. I am requesting that all five accounts be permanently removed from my credit report and that I receive written confirmation of the investigation results. Failure to correct these issues is a violation of federal law. 

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 2025-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX began reporting a negative tradeline to the credit bureaus for an account they claim to have purchased from XXXX XXXX XXXX of South Carolina, XXXX. I do not recall authorizing or opening this account, nor did I give permission for them to access or report on my credit. I never received any notification of the alleged debt prior to it appearing on my credit report. 
Since then, I have received numerous harassing phone calls often before XXXXXXXX XXXX  and after XXXXXXXX XXXX, including calls as late as after XXXX XXXX. Many of these calls are pre-recorded messages or robocalls, not live human callers. 
These actions violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits debt collectors from contacting consumers by phone outside the hours of XXXX XXXX  to XXXXXXXX XXXX local time without prior consent. Additionally, repeated automated/pre-recorded calls without consent may also violate the Telephone Consumer Protection Act ( TCPA ).

I have not given consent to receive robocalls or calls at these times and consider this contact both excessive and harassing. 
Additionally, XXXX XXXX XXXX appears to have run a hard inquiry on my credit without my permission or a permissible purpose, which I also dispute. Their response to my earlier complaint lacks sufficient validation of the alleged debt no signed contract or itemized account information was provided. 
I am requesting : Immediate removal of the tradeline and unauthorized inquiry from all credit reports ; An investigation into the harassing and unlawful phone call practices ; That all communication cease unless legally validated and made in compliance with FDCPA and TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
I am an XXXX XXXX service member and a Louisiana XXXX I entered XXXX XXXX on XX/XX/year>, and the account in question has been active throughout my military service. Under Louisiana Revised Statute RS 29:312, creditors are prohibited from charging more than 6 % interest per year on any obligation or liability incurred by a service member or their spouse during a period of XXXX XXXX. This applies to all debts, regardless of when they were incurred, and does not require that the obligation predate military service. The statute explicitly states in Paragraph D that the creditor shall not charge, collect, or receive more than 6 % interest during the period of XXXX XXXX. This requirement is automatic upon documentation and not subject to discretionary approval. I am submitting this complaint because the creditor has continued to charge interest in excess of 6 %, in violation of RS 29:312. While I have not previously submitted documentation directly to the creditor, the Louisiana law places the burden on the creditor to comply once military status is established. I am requesting a full review of my account and a refund of all interest and fees charged in excess of 6 % during the duration of my XXXX XXXX service. I have attached my DD Form 4 ( enlistment contract ) and XXXX XXXX orders to verify eligibility. Reference : Louisiana Revised Statute RS 29:312 Link : XXXX XXXX XXXX XXXXXXXX I have uploaded two documents. " XXXX XXXX Document '' shows that I enlisted as a resident of Louisiana XXXX XX/XX/year>. " XXXX XXXX XXXX '' shows that I am still in XXXX XXXX service, stationed in XXXX. These orders will also have my spouse on page two, who also falls under RS 29:312 ( D ) : No creditor shall charge, collect, or receive interest in excess of six percent per annum from a person on XXXX XXXX with the United States XXXX XXXX or the spouse of that person, during the period of XXXX XXXX service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number : XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Original creditor XXXX XXXX XXXX Never Open Account with this company Formal Complaint Against [ Credit Bureau Name ( s ) : Equifax , Experian, TransUnion ] for Failure to Remove Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally file a complaint against [ Credit Bureau Name ( s ) ] under the * * Fair Credit Reporting Act ( FCRA ) * * for their repeated failure to investigate and remove fraudulent and inaccurate information from my credit report, despite providing evidence of identity theft linked to a data breach I have submitted to the credit bureau and lender asking for original documents and evidence also notified them about previous identity theft /data breach never response back. Credit Bureau Failures : I first disputed this acc
ount with Equifax, Experian, and TransUnion on [ date ( s ) ] via certified mail [ include tracking numbers if available ].

Despite providing copies of my identity theft report, SSN, and government-issued ID, the bureaus have neither investigated nor removed the account.

It has been over five years since my initial dispute, and I have received no substantive response from the bureaus or XXXX XXXX XXXX. 

Violations of the FCRA The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( d ) : Failure to notify me of investigation results within 30 days.

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 2025-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Synchrony Bank is giving me hard time because they are messing my account without my knowledge and attaching files that how they are making mistakes, they have done it so far, FDIC must take action against them. They made an error and now they have done it {$150.00} corrections and {$400.00}, it means they dont have skilled people to do anything. Inquiry about it please. I am overseas with health issues and coming back on XX/XX/XXXX. This Synchrony Bank sucks

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 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting false information on my credit for a broken lease. They want XXXX $ I was protected under the family law code for XXXX  XXXX to break the lease and wouldnt be charged for doing so but they still reported on my credit saying thats what someone reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: AE

Complaint narrative:
I am an XXXX XXXX service member and a Louisiana resident. I entered XXXX XXXX on XX/XX/year>, and the account in question has been active throughout my military service. Under Louisiana Revised Statute RS 29:312, creditors are prohibited from charging more than 6 % interest per year on any obligation or liability incurred by a service member or their spouse during a period of XXXX XXXX. This applies to all debts, regardless of when they were incurred, and does not require that the obligation predate military service. The statute explicitly states in Paragraph D that the creditor shall not charge, collect, or receive more than 6 % interest during the period of XXXX XXXX. This requirement is automatic upon documentation and not subject to discretionary approval. I am submitting this complaint because the creditor has continued to charge interest in excess of 6 %, in violation of RS 29:312. While I have not previously submitted documentation directly to the creditor, the Louisiana law places the burden on the creditor to comply once military status is established. I am requesting a full review of my account and a refund of all interest and fees charged in excess of 6 % during the duration of my XXXX XXXX service. I have attached my DD Form 4 ( enlistment contract ) and XXXX XXXX orders to verify eligibility. Reference : Louisiana Revised Statute RS 29:312 Link XXXX XXXX XXXX XXXX XXXX I have uploaded two documents. " XXXX XXXX XXXX '' shows that I enlisted as a resident of Louisiana XXXX XX/XX/year>. " XXXX XXXX XXXX '' shows that I am still in XXXX XXXX service, stationed in XXXX. These orders will also have my spouse, XXXX XXXX, on page two, who also falls under RS 29:312 ( D ) : No creditor shall charge, collect, or receive interest in excess of six percent per annum from a person on XXXX XXXX with the United States XXXX XXXX or the spouse of that person, during the period of XXXX XXXX service. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number : XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Original creditor XXXX XXXX XXXX Never Open Account with this company Formal Complaint Against [ Credit Bureau Name ( s ) : Equifax , Experian, TransUnion ] for Failure to Remove Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally file a complaint against [ Credit Bureau Name ( s ) ] under the * * Fair Credit Reporting Act ( FCRA ) * * for their repeated failure to investigate and remove fraudulent and inaccurate information from my credit report, despite providing evidence of identity theft linked to a data breach I have submitted to the credit bureau and lender asking for original documents and evidence also notified them about previous identity theft /data breach never response back. Credit Bureau Failures : I first disputed this acc
ount with Equifax, Experian, and TransUnion on [ date ( s ) ] via certified mail [ include tracking numbers if available ].

Despite providing copies of my identity theft report, SSN, and government-issued ID, the bureaus have neither investigated nor removed the account.

It has been over five years since my initial dispute, and I have received no substantive response from the bureaus or XXXX XXXX XXXX. 

Violations of the FCRA The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( d ) : Failure to notify me of investigation results within 30 days.

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 2025-05-25 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number : XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Original creditor XXXX XXXX XXXX Never Open Account with this company Formal Complaint Against [ Credit Bureau Name ( s ) : Equifax , Experian, TransUnion ] for Failure to Remove Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally file a complaint against [ Credit Bureau Name ( s ) ] under the * * Fair Credit Reporting Act ( FCRA ) * * for their repeated failure to investigate and remove fraudulent and inaccurate information from my credit report, despite providing evidence of identity theft linked to a data breach I have submitted to the credit bureau and lender asking for original documents and evidence also notified them about previous identity theft /data breach never response back. Credit Bureau Failures : I first disputed this acc
ount with Equifax, Experian, and TransUnion on [ date ( s ) ] via certified mail [ include tracking numbers if available ].

Despite providing copies of my identity theft report, SSN, and government-issued ID, the bureaus have neither investigated nor removed the account.

It has been over five years since my initial dispute, and I have received no substantive response from the bureaus or XXXX XXXX XXXX. 

Violations of the FCRA The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( d ) : Failure to notify me of investigation results within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
On XX/XX/scrub>/2025XX/XX/XXXXAdvertised no credit check on {$990.00} down but later found out they ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
I am an XXXX XXXX service member and a Louisiana resident. I entered XXXX XXXX on XX/XX/year>, and the account in question has been active throughout my military service. Under Louisiana Revised Statute RS 29:312, creditors are prohibited from charging more than 6 % interest per year on any obligation or liability incurred by a service member or their spouse during a period of XXXX XXXX. This applies to all debts, regardless of when they were incurred, and does not require that the obligation predate military service. The statute explicitly states in Paragraph D that the creditor shall not charge, collect, or receive more than 6 % interest during the period of XXXX XXXX. This requirement is automatic upon documentation and not subject to discretionary approval. I am submitting this complaint because the creditor has continued to charge interest in excess of 6 %, in violation of RS 29:312. While I have not previously submitted documentation directly to the creditor, the Louisiana law places the burden on the creditor to comply once military status is established. I am requesting a full review of my account and a refund of all interest and fees charged in excess of 6 % during the duration of my XXXX XXXX service. I have attached my DD Form 4 ( enlistment contract ) and XXXX XXXX orders to verify eligibility. Reference : Louisiana Revised Statute RS 29:312 Link : XXXX XXXX XXXX XXXXXXXX I have uploaded two documents. " XXXX XXXX Document '' shows that I enlisted as a resident of Louisiana XXXX XX/XX/year>. " XXXX XXXX XXXX '' shows that I am still in XXXX XXXX service, stationed in XXXX. These orders will also have my spouse on page two, who also falls under RS 29:312 ( D ) : No creditor shall charge, collect, or receive interest in excess of six percent per annum from a person on XXXX XXXX with the United States XXXX XXXX or the spouse of that person, during the period of XXXX XXXX service.

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 2025-05-25 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: FL

Complaint narrative:
RE : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIABLE ACCOUNT XXXX XXXXXXXX & Account # : XXXX To Whom It May Concern : This letter serves as a formal dispute and final demand for the removal of an unverifiable and inaccurate account currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify the accuracy and validity of all information you report. If you can not provide written proof of the source and accuracy of this account, you are legally obligated to delete it immediately.

The account in question, [ Insert Account Name/Number ], does not belong to me or is otherwise completely unverifiable. You have 30 days from receipt of this letter to investigate and confirm the legitimacy of this item. If you can not produce physical documentation showing that I am legally responsible for this account, then its presence on my report is a violation of my rights.

Be aware : failure to comply with this demand will leave me no choice but to take legal action against your agency for willful noncompliance with the FCRA under 15 U.S. Code 1681n and 1681o. I will not hesitate to seek statutory damages, punitive damages, court costs, and attorneys fees.

I am not asking. I am demanding that this unverifiable and unauthorized account be deleted immediately. This is your final opportunity to resolve this matter without escalation.

You are to send written confirmation of deletion within 15 days of completing your 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