vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: 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.

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 2025-03-11 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX received a debt collection on my credit report from the collections agency for {$380.00}. 
The name on this report do not match my legal information and I do not own this debt. 

Please provide the following information to me : How did the credit bureaus verified this information against my legal information before adding it to my credit reports? 

How did the debt collector verify this information against my legal information? 

Show proof that matches my legal information to show that I own this debt In the name of " XXXX XXXX '' Regards 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 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX of XXXX accounts associated with my previous apartment complex XXXX XXXX ( that I was never made aware it even existed ) is charging me {$1100.00} for a XXXX XXXX program they offered for assistant in the fees they needed in order to start lease. My partner and I at the time of XX/XX/XXXX NEVER used their program. We paid everything in a XXXX XXXX. Not once did we ever use their program. We started the contract XX/XX/XXXX and moved out XX/XX/XXXX. The amount the apartment complex are asking for, the account states it initiated XX/XX/XXXX. Makes no sense as we were already in a new address by that time. I was never made aware if there was anything else that needed to be paid after move out date. But I never used their program to even begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX 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 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.

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 2025-03-11 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: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: OR

Complaint narrative:
I have made multiple attempts to close my XXXX with Optum Financial and have the funds transferred to my bank account since I discovered they have been charging fees to the account and not providing interest despite claiming to be a savings account. 

I recently changed my name and when I did they removed my online access to their web portal which is the only way to interact with the account. When attempting to register I get an error, told to call to verify my identity and then am told they can not verify with the info I have given them and hang up. Their main customer service line has been just as unhelpful and when attempting to call them they force me through the same registration process, multiple times, with the same results. I have called them at least six times in the last month to go through this process. 

On the last call I was promised to be sent paperwork to my email allowing me to close the account and have the funds transferred along with a follow up from a manager. I received neither of these things. This company refuses to co-operate and continues to add maintenance fees / paper fees to the account while refusing to allow me to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MO

Complaint narrative:
In XX/XX/XXXX I had appointed my own POA over my account with Discover and they had sent a reponse appointing my Poa over the account, I later sent a affidavit of instructions on how to manage the XXXX  account moving forward via certified mail which was delivered in XX/XX/XXXX, I then sent a letter of reinstatement of credit limit and rescission of security interest, which was sent certified as well, The POA had realized my estate had suffered injury in fact from Discover unilaterally reducing the principals limit from {$13000.00} to {$1200.00} based off of unverified and inaccurate information based off credit reporting from agencies, which caused major harm to how I commerce, the Poa has been denied his lawful and legal duty to act in the best interest on behalf of me and my estate and Discover is currently operating in violation of federal regulations protecting consumers from unfair and deceptive practices, including : a. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Discovers unilateral action may have negatively impacted the principals credit profile by suddenly reducing available credit, thereby harming credit utilization and financial standing. 
Under FCRA, financial institutions must ensure accurate and fair reporting of credit information, and this abrupt reduction without cause or notice raises concerns about Discovers compliance.

b. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 The ECOA prohibits creditors from making adverse changes to an account without proper notice and justification.

A credit reduction of this magnitude, without disclosure of any adverse credit actions or specific concerns, may constitute unfair treatment or discrimination in lending practices.

c. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 The Consumer Financial Protection Bureau ( CFPB ) prohibits banks from engaging in unfair or deceptive practices that cause harm to consumers. 
Discovers lack of communication, failure to provide a clear reason for the reduction, and disregard for financial consequences could be classified as an abusive lending practice under UDAAP.

d. Breach of Contract and Good Faith in Lending Discover Bank entered into a contractual agreement with the principal that included a credit limit of {$13000.00}. 
Reducing the limit without negotiation or notice could constitute a breach of implied good faith in lending, particularly if the principal met all agreed-upon obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reached out to a XXXX house rental - the " realtor '' said there was a pre-screening involved and I needed to submit a credit report thru TransUnion which I later found out was a fraudulent website. They now have my credit card number and last 4 digits of my social security number. I have since cancelled my credit card but am unsure as to what to do regarding my social security number

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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Account Preferred Credit To Whom It May Concern, I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is with Preferred Credit and has been added to my credit report without my consent or authorization. 

When I initially engaged with Preferred Credit, I was informed that my information was taken only for record-keeping purposes and that I was required to attend meetings to receive an item for free. At no point did I authorize or agree to open a credit account with them. However, a few months later, I discovered that this account had been reported on my credit file. 

This reporting is inaccurate and misleading, and under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated and removed immediately. Please find attached copies of my credit report highlighting the disputed account and any relevant supporting documents. 

I expect a written confirmation that this unauthorized account has been removed from my credit report. Please provide me with an updated copy of my credit report reflecting these corrections. Should you require any further information, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase checking account with a bonus offered for opening a checking and savings account simultaneously. The terms to receive the bonus were : XXXX ) Open a new Chase Total Checking account, which is subject to approval ; AND XXXX ) Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits ( such as Social Security ) from your employer or the government. 

I followed all of the instructions and set up my account with a direct deposit from my employer through my payroll service, but never received the bonus. I talked to XXXX separate representatives and was told that my deposit didn't count because they didn't consider it a " direct deposit, '' despite what my payroll service says. When I asked for clarification, they said that the deposit looked like a payment and not a deposit so it didn't count. They said to look at the fine print in the terms and conditions. In my payroll service it says " direct deposit, '' and in the fine print as clearly stated above Chase defines direct deposit as an electronic deposit of your paycheck from an employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Upon reviewing my credit report I noticed that Navy federal credit union are reporting incorrect information about XXXX of my account. My car loan shows the balance as {$500.00} as well as written off and i have a statement showing the balance of {$410.00}. My credit card as well with Navy federal shows a balance of {$600.00} and that {$620.00} was written off. I have the balance for my credit card as paid in full, with a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I asked them to release my account, they said it was under identity verification but I had already passed all the ID verification and everything they just didn't let me in. Also, they took XXXX dollars away from me. Fees are collected on the third day of every month, and I can not even control my account. I contacted them several times, they said they would notify me when it finished. I waited for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 2025-03-11 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested Experian on two occasion, and they will no longer allow me to dispute again to verify and provide documentation of the bankruptcy. They responded by stating that the account was valid, which is incorrect. I obtained a letter from the court confirming that they do not report this information. I attached this letter to my dispute with Experian, yet they still upheld the inaccurate reporting.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I don't have information on dates but it definitely was a card that I didn't apply for and now I can't get one and it's hurting my credit, I tried to dispute it but it's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion continues to report a bankruptcy record that has been discharged and closed, as confirmed by official documents from the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX in the XXXX XXXXXXXX XXXX XXXX XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), for failing to ensure the accuracy of consumer reports.

Additionally, TransUnion has failed to verify this bankruptcy directly with the court, instead relying on third-party vendors such as XXXX and XXXX, which do not meet the reasonable verification standards required under 15 U.S.C. 1681i ( a ). This inaccurate reporting has caused financial harm, affecting my ability to obtain credit under fair conditions.

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