vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called Navy Federal to request a refund for the over draft fees that they charged me for while allowing me to over draft my account. They told me that the fees are valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
NAME : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXr po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ I DO NOT OWN THIS DEBIT IT WAS DO IN FRAUD ]. These items are inaccurate and do not reflect my actual credit history. The main reason is always had the XXXX phone service for last 10 years In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. 

According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. 

Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. 

If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Hard Inquiries Information on My Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate information reported on my credit file, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am contesting the listing of the several hard inquiries on my credit report that I assert I did not give permission. 

Details of Dispute : Disputed Information : Hard Inquiries XXXX XXXX XXXX : Transunion, Equifax, Experian Date of Report : XXXX XXXX I have carefully reviewed my credit report and found that the hard inquiries information listed is inaccurate. I am concerned that this error is adversely affecting my creditworthiness and financial reputation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the removal of the erroneous hard inquiries record from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App closed my account without giving me any information and also when trying to receive a refund there was no way of speaking to anyone live that would be able to help me with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called All three of the credit bureaus to get the procedures used to confirm a XXXX port folio service account on my credit reports thats false XXXX portfolio service. XXXX, I was informed by All three bureaus that they did not actually investigate the issue they only ask the company reporting the false information to confirm what they had. This is a violation of my rights under the FCRA. This is the fourth time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure of all three credit bureaus to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Per, 15USC1681i ( a ) ( 6 ) ( B ) ( iii ), that if the consumer requests a description of the procedure that was used to determine the accuracy and completeness the CRA was supposed to send the consumer that specific information within 5 days, neither Equifax or XXXX did that. 

I dispute this account, XXXX # XXXX on XX/XX/year>. I asked them to verify/validate the account per 15USC1692g, that never happened. All I was sent was a credit card bill. I then requested a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did Equifax and XXXX interview regarding this account? How did Equifax and XXXX come to this determination? I have yet to receive any response from Equifax and XXXX regarding 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A Cease-and-Desist request along with a validation of debt certified mailing to XXXX XXXX XXXX regarding Capital One Bank closed/charged off the account. XXXX XXXX XXXX is attempting to collect a debt as the alleged Third-Party Owner of the discharged debt. I have attached my correspondence to the CFO and last known address below. Also, XXXX XXXX XXXX and XXXX XXXX XXXX. are one entity in the same. A cease-and-desist debt validation is attached to this complaint. 

( 1 ) Cease and Desist validation of Debt ( 1 ) XXXX correspondence from XXXX XXXX XXXX ( 1 ) Captial One Credit Card Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOP Pioneer Partners LP
State: AL

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. Account name XXXX XXXX I looked at my XXXX credit report on XX/XX/year> ) and noticed some things are incomplete and not accurate. 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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 nor 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 explanation
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
Good evening. My name is XXXX XXXX, and I applied with capital one credit with 0 interest fees as to what was advertised. I applied for these cards in XXXX in hopes of building my credit. I have been making on time payments with direct draft from my checking account of the monthly amounts owed with additional payments. I pay off the balances and I am still charged ( 2 ) ongoing interest fess which are continually added to my balance. This predatory practice of both totaling 35 % -40 % is not what I signed up for. I never agreed to these charges. I am a victim of fraud, and this company has continually increased my principal balance on these substantial interest fees alone when I have paid off most of these balances on time with additional payments. This is a direct attempt in pressing the consumer in paying substantially more than what is actually owed. I would like to file this complaint against this agency for this has cost my credit, mentality and wellbeing substantial damages. Due to this. I have not been able to get good credit as I was using this to build my credit. I have not been able to purchase a home due to this practice. Can this please be investigated immediately. I feel I have been taken full advantage of in this situation wis is a predatory practice of the client consumer trust. Can someone please help. I definitely would like to file my claim in for financial damages against Capital One at this point. For I have many setbacks due to this law violation of price and interest gauging. 
Credit Card # XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Defendants. 
XXXX XXXX Document 1 Filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I applied for a Gold Credit card extending my own credit and they denied me for what's so ever reason. Violating truth in lending and XXXX. I was supposed to gain something and have nothing their is nothing equal about that. Congress said credit mean right granted. As such it should not be restricted or manipulated in unfair ways. TILA is to protect consumers from deceptive lending practices and that's what y'all are doing. The reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX  AMOUNT {$2500.00} acct # XXXX XXXX XXXX XXXX AMOUNT {$14000.00} acct # XXXX XXXX  XXXX XXXX XXXX {$0.00} acct # XXXX XXXX XXXX  AMOUNT {$940.00} acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT {$700.00} acct # 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 2025-02-02 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: DC

Complaint narrative:
Experian is not placing the correct information on my credit profile/report with them. My credit report has not been updated since XX/XX/XXXX per their website Also, the credit score still shows XXXX. That is incorrect. My scores from XXXX and XXXX are both over XXXX. 

Moreover, the website states that they are open on Sundays. I called on XX/XX/XXXX and the automated system says they are closed. There is almost never anyone available to speak with by phone. 

When I have spoken with someone, I addressed all these concerns and information remains in correct. I received a report via the mail and the information is out dated and the score is incorrect.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it May concern, I am writing to file a formal complaint against TransUnion regarding the investigation process and failure to properly address disputed accounts on my credit report. My XXXX credit report has been subject to a data breach which contribute to the erroneous reporting of these accounts on my credit report. I have compiled with all Transunion 's request for proper documentation including submitting proof of identity and supporting evidence to substantiate my disputes. Despite this TransUnion has failed to conduct a reasonable reinvestigation are comply with its obligation under the FCRA, specifically, under 15 USC 1681 e ( b ), 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 5 ) and 15 USC 1681C-2. After reinvestigation, if the disputed information can not be verified, TransUnion is required to delete it from my credit report. The continued presence of these accounts without verification or substantiation, is a violation of this provision of 15 USC 1681i ( a ) ( 5 ). 
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 2025-02-02 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: AL

Complaint narrative:
I have submitted NUMEROUS online disputes to Experian, Equifax and Transunion regarding the differing balances on my credit reports.

Not ONE time have I received any physical proof of any investigation being done on these accounts. 
Just a statement saying that the 'debt has been validated '. 
I am not questioning the validation of the debt. I am questioning why all three credit bureaus have differing amounts due for ALL derogatory accounts!! 

For example. The file I have included below from XXXX XXXX on Experian. How can the original balance be {$2300.00}. They wrote off {$1800.00}. And now I owe them {$4300.00}!! 
On another credit bureau, I only owe {$2300.00}!!!! 

Please assist in this matter. The credit bureaus don't care!!!

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am reporting identity theft regarding a fraudulent mobile account opened in my name without my consent. I was on my partners plan but transferred my number to a different provider when I left the relationship. My ex-partner fraudulently created a new account in my name, which was sent to collections by XXXX XXXX XXXX. I have never lived at the address XXXX sent on the attached XXXX bill as validation. This is a XXXX Account. 

I never authorized this account and request immediate removal from my credit reports. This is identity theft, and I am not responsible for this debt. XXXX XXXX XXXX must cease all collection activities, and the account should be permanently blocked from being re-reported. Please confirm the removal and necessary corrective actions. 

This statement is made under penalty of perjury, and I request urgent action. Contact me if further documentation is needed.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app would not respond to fraud or problems with transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 entitle me to accurate reporting. Upon reviewing my credit file, I found several discrepancies that must be corrected immediately. 

Disputed Information : XXXX. Personal Information Errors : Incorrect names : My report lists multiple variations ( XXXX XXXX XXXX and XXXX XXXX ). Only [ XXXX XXXX ] is accurate. 

Incorrect birthdate : My correct date of birth is [ XXXX ], but my report lists XXXX must be fixed. 

Incorrect addresses : Remove : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN XXXX XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX Cross XXXX XXXX XXXX XXXX, XXXX, TN XXXX as I have not resided at these locations. 



XXXX. Inaccurate Account XXXX : XXXX Bank ( Account # XXXX ) ** XXXX balance inconsistencies ( {$6400.00} vs. {$6300.00} ). 

The credit limit is missing in XXXX report. 

The status says " XXXX, '' but I never received notice under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 


XXXX Bank ( Account # XXXX ) ** XXXX last payment dateone report states XX/XX/XXXX, another XX/XX/XXXX. 

Credit limit missing in XXXX report. 


XXXX XXXX Account # XXXX ) ** The account is inconsistently listed as XXXX and XXXX. 

The balance is reported as {$4300.00} in XXXX report and {$3500.00} in another. 


XXXX XXXX Bank ( Account # XXXX ) ** Remarks state Account disputed, yet no verification was provided under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 


XXXX XXXX XXXX ( Account # XXXX ) ** Possible duplicate collection. The FCRA prohibits listing the same debt multiple times. 




XXXX. Inquiries Not Authorized : Duplicate hard inquiry from XXXX ( Dates : XX/XX/XXXX & XX/XX/XXXX ). 

Hard Inquiries to Be Removed ( Unauthorized or Duplicate ) KTVAECU-PQ ( Duplicate Inquiry ) XX/XX/XXXX XX/XX/XXXX First XXXX Bank XX/XX/XXXX ( unauthorized ) WebBank/OneMain XX/XX/XXXX ( unauthorized ) TBOM/Milestone XX/XX/XXXX ( unauthorized ) Cap XXXX NA XX/XX/XXXX ( unauthorized ) Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I request that you investigate and correct these inaccuracies within 30 days or provide written evidence that verifies their accuracy. If these errors are not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for non-compliance.

Company response to consumer: Closed with non-monetary relief