vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I called Capital One to try and stop a pending charge of {$1000.00} that was made on my account once I realized the company the purchase was through was a scam. I was told that I was unable to stop the charge and would have to call back to dispute the claim once it was processed. Once the claim was processed I called Capital One back to start the process of disputing the claim. I was asked very few questions and told I did not need to send in supporting documents when I asked. 

This claim was denied. I have since called in multiple times and had the claim reopened and was finally able to send in my documents supporting the claim was not valid and that the company XXXX XXXX XXXX XXXX XXXX ) is a scam. I was provided with paper work as to why the bank sided with the merchant on the claim and it only provided information that the merchant had provided. Again, it was already established that this company was a scam. They represent themselves as a full service mover when they are in fact a broker and they do not abide by laws as per the FMCSA.

I have continued to be given the run around for 3 months now without any answers as to why they keep making the same decision given the proof I've provided. I even had a representative tell me that it was very odd that they were siding with the merchant despite the evidence I had provided and given that the company did not provide services and I cancelled within their 48 hour cancellation window. 

I am diagnosed autistic and was coerced by the scam company and I feel that I am in turn being targeted by my bank despite them having resources to protect my account. 

I have attached supporting documents for my claim that XXXX XXXX XXXX XXXX is a scam company as well the emails I sent to Capital One to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
While looking at my consumer report, there is fraudulent information being reported. - The companies listed are in violation of : - U.S.C 1681b- in which permissible purpose can not be assumed, assigned, or transferred. It must be explicitly granted by the consumer. - 15 U.S.C 1681q - It's a federal offense to knowingly and willfully obtain consumer information under false pretenses. - 15 U.S.C 1681a ( 4 ) - recognizing that my right to privacy has been violated by unlawful transmission of my consumer data. - 18 U.S.C 102 8A - Aggravated identity theft, which applies when a party knowingly uses my personal information without lawful authority. - AdditionallyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The court recognized that obtaining a consumer report without a clearly established permissible purpose is a violation of the FCRA. - This constitutes identity theft and must be removed from my credit report immediately. - Also, there are unauthorized inquiries listed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: DC

Complaint narrative:
The XXXXXXXX XXXX XXXX  account from XXXX bank was closed, paid in full and has a XXXX balance. See attached the letter from XXXX bank. Please correct the balance and block this account from my credit report.

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 2025-05-01 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-01 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: TX

Complaint narrative:
Subject : Violation of Section 605C of the Fair Credit Reporting Act ( FCRA ) Mishandling and Delayed Response to Human Trafficking Dispute I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 605C ( 15 U.S.C. 1681c3 ), which requires credit reporting agencies to block adverse information resulting from a human trafficking situation within four business days of receiving proper documentation. 

On XX/XX/year>, I submitted a formal dispute to Experian under Section 605C, along with all required supporting documentation verifying that certain negative accounts on my credit report were the result of human trafficking.

Experian violated the law in the following ways : Failure to Block Within the Required timeframe : Experian did not respond to my dispute until XX/XX/XXXX, XXXX5nine calendar days and at least five business days after submissionexceeding the four-business-day legal requirement outlined in Section 605C. As of that date, the disputed items remained on my credit report.

Misdirection of My Dispute : My 605C trafficking dispute was sent to the wrong department internally, delaying review and suggesting Experian lacks the proper procedures to handle these highly sensitive matters in compliance with federal law.

Lack of a Clear Denial Explanation : When I contacted Experian by phone after the denial, they could not provide a clear or specific reason for why my properly documented trafficking dispute was rejected. This lack of transparency adds to the harm and makes it impossible to correct or appeal appropriately.

These actions are in direct violation of : 15 U.S.C. 1681c3 ( Section 605C ) For failure to block trafficking-related items within 4 business days.

15 U.S.C. 1681i ( Section 611 ) For failing to follow reasonable dispute handling procedures.

15 U.S.C. 1681n and 1681o For potential willful or negligent noncompliance.

Potential Monetary Compensation for FCRA Violations If this matter escalates to legal proceedings, Experian may be liable for : Statutory damages of up to {$1000.00} per violation Actual damages, including harm to credit, emotional distress, or financial loss Punitive damages, in cases of willful noncompliance Attorneys fees and court costs

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 2025-05-01 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made the mistake of thinking my Same as Cash pay off was in XXXX, when i passed the XXXX deadline. XXXX was for originally XXXX per XXXX XXXX. when I called XXXX weeks ago, I was told the Pay offf was XXXX, even though In the last 18 months, I had paid XXXX. I asked why and was told that due to me forgetting to pay it off in XXXX, I still had to pay the XXXX. I was also told I was being charge XXXX a day at this point. 
I have never received any notice that my loan was getting near to payoff, nor was I ever able to find this information on their website. I had called several times last year to get that information, but I could only get that information when I called. I could never find it on line. I had two loans, and had mistakenly thought the deadline was in XXXX. I did pay off the other loan with no problems. The company is called Reigons Home Improvement Finance.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OR

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Mohela, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
XXXX XXXX XXXX  Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX XXXX. XXXX ) and FDCPA ( XXXX XXXX. XXXX ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
YOU HAVE XXXX TIME LEFT TO FIX THE ISSUES : Identity theft report attached, PROOF OF YOU & COMPANY AGREEING TO REMOVE THE ACCOUNT SENT, AS WELL AS PROOF THAT XXXX & XXXX ALREADY REMOVED EVERYTHING BEING DISPUTED WITH YOU TODAY including my most recent experian report : ID, XXXX, XXXX & ELECTRIC BILL SENT TO VERIFY MYSELF VIA CERTIFIED MAIL. IM SURE I must have an out dated report or this is an error in the system OR please advise why after you saying it's removed i see XXXX AFTER THEY AGREED TO REMOVE AND DID, XXXXXXXX XXXX AFTER FRAUD STATED BY COMPANY, AND THOSE 2 INQUIRIES still reporting? It's been over XXXX days for some of these concerns with 0 resolution. YOU MUST LEGALLY REMOVE EVERYTHING NOW. The next step will be a lawsuit!

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 2025-05-02 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:
YOU HAVE XXXX TIME LEFT TO FIX THE ISSUES : Identity theft report attached, PROOF OF YOU & COMPANY AGREEING TO REMOVE THE ACCOUNT SENT, AS WELL AS PROOF THAT XXXX & XXXX ALREADY REMOVED EVERYTHING BEING DISPUTED WITH YOU TODAY including my most recent experian report : ID, XXXX, XXXX & ELECTRIC BILL SENT TO VERIFY MYSELF VIA CERTIFIED MAIL. IM SURE I must have an out dated report or this is an error in the system OR please advise why after you saying it's removed i see XXXX AFTER THEY AGREED TO REMOVE AND DID, XXXXXXXX XXXX AFTER FRAUD STATED BY COMPANY, AND THOSE 2 INQUIRIES still reporting? It's been over XXXX days for some of these concerns with 0 resolution. YOU MUST LEGALLY REMOVE EVERYTHING NOW. The next step will be a lawsuit!

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 2025-05-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have used regions ATM for over 4 years on my XXXX XXXX  account and this time without notice they charged me {$1.00} on top of their regular announced {$4.00} fee. They told me the XXXX fee was for balance receipt which they never charged me before. They did not tell me in advance they were charging a fee for a receipt on top of the {$4.00} fee they did tell me in advance. That is pure taking advantage of ATM transactions without notifying additional fee for receipt. They are already having legal issues costing them millions and I want to report this so no other unsuspecting ATM user pays a fee that is unannounced for a receipt. They are taking extreme advantage of their ATM customers. They would not refund the {$1.00} fee telling me to call my bank and my bank did not charge me the fee. They need a class action suit filed against them for charging fee without announcing and never have charged that fee before. I will never use their ATM again so they will lose out hundreds of dollars in {$4.00} fees by charging {$1.00} unannounced new fee. The unannounced fee could cost consumers millions in unannounced fees for millions of customers. No wonder they have had to pay out huge sums for illegal activities.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this formal notice as a XXXX attempt to dispute erroneous and unverifiable items that continue to appear on my credit report. This repeated failure to validate, correct, or delete inaccurate information is a clear violation of your responsibilities under the Fair Credit Reporting Act ( FCRA ). 
According to FCRA XXXX, you are required to conduct a reasonable investigation and delete or correct information that can not be verified. Your failure to do so constitutes negligent noncompliance ( XXXX ) and possibly willful noncompliance ( XXXX ). 
Late Payments ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously disputed this account. You have failed to validate the accuracy of the late payment reporting. This constitutes willful neglect of your duties. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting history is inconsistent and remains unverified. I demand immediate deletion. 
Collection Accounts ( FCRA XXXX ( a ) ( XXXX ) ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have not provided original signed contracts or complete validation documents to support this account. Under FCRA XXXX ( a ) ( XXXX ), this account must be removed. 
Unauthorized Hard Inquiries ( FCRA XXXX ( a ) ) These inquiries lack my consent and therefore violate FCRA XXXX ( a ). You must provide evidence of permissible purpose or remove them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ________________________________________ Formal Request for Action : I now demand the following actions in compliance with FCRA : Deletion of unverifiable and inaccurate accounts per FCRA XXXX ( a ) ( XXXX ) Removal of unauthorized hard inquiries under FCRA XXXX ( a ) Written verification of all retained items or deletion if no proper validation exists If you continue to report these items without full validation, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. Legal action may also be considered under FCRA XXXX and XXXX. 
This is your final opportunity to resolve this matter amicably. I expect a written response and an updated credit report within XXXX days of receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief