vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have one savings account with Capital One Bank. Was at a low interest rate. Similar named bank account had higher interest rate. I was not aware. I have since changed to the higher yielding account. I would like the prior saving account to experience a just interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute the reporting of an inaccurate balance on a charged-off account listed on my credit report by Discover Bank account number XXXX According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, yet this account is incorrectly reporting a balance despite being charged off. 

Nature of the Dispute : Incorrect Balance Reporting : A charge-off is an accounting action indicating that a creditor has written off the debt as uncollectible. However, [ Creditor Name ] continues to report a balance, which may mislead creditors and negatively impact my credit profile. 
Potential FCRA Violation : The continued reporting of a balance on a charged-off account can be considered inaccurate or misleading under FCRA guidelines . If the original creditor has sold the debt to a third party, it should no longer report a balance, only a charge-off status. 
Failure to Update Credit Reporting : Despite my previous attempts to dispute this issue with both the creditor and the credit bureaus, the inaccuracy persists. 

Requested Action : 1. Investigation & Correction : I request that CFPB investigate [ Creditor Name ] for its inaccurate reporting and ensure that the charged-off account reflects a XXXX balance if the debt has been sold or is no longer legally owed to the original creditor. 
2. Verification of Compliance : I ask CFPB to ensure that the creditor is in compliance with all FCRA regulations regarding charge-off reporting.

3. Immediate Update to Credit Bureaus : If the balance is being improperly reported, I request that the CFPB direct the creditor to update the account information with XXXX, XXXX, and XXXX to reflect the correct status. 

I have attached copies of my credit reports showing the inaccurate reporting showing the reported balance that have been recently updated in 2025 despite being charged off I request that CFPB take immediate action to resolve this matter. Please provide a written response outlining the steps being taken. You may contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Description : I am filing this complaint against Experian due to its failure to conduct a proper investigation regarding incorrect information on my credit report. Similar to the CFPB lawsuit against Experian ( CFPB v. Experian, Case No. XXXX, XXXX ), I believe Experian engaged in unfair and deceptive practices by not following proper procedures for credit dispute investigations. 

Despite submitting valid documentation proving inaccuracies, Experian either ignored my dispute, failed to remove the incorrect information, or did not conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

This has caused financial harm, including [ mention damages : loan denial, higher interest rates, etc. ]. I request immediate correction of my credit report and an explanation from Experian regarding its investigation process.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax, I am writing to formally dispute certain hard inquiries listed on my credit report that I believe were made without my authorization or consent. These inquiries are negatively impacting my credit score, and I request that they be removed from my credit report immediately. 

The inquiries I am disputing are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I kindly ask that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. 

Please provide written confirmation of the actions taken, along with an updated copy of my credit report showing the removal of these inquiries. 

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

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Pursuant to 5 U.S.C. 552 ( b ) ( 6 ), any personal, medical, or similar file is exempt from public disclosure if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the person 's personal privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Experian Credit Report Errors Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with my credit file maintained by Experian. Despite my repeated efforts to dispute and correct inaccuracies, Experian has failed to address my concerns adequately. As my last recourse, I am seeking the CFPBs intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the correction of my credit report. 
The errors in question pertain to my credit report under Report Number XXXX. I have taken the following steps to rectify the issue prior to reaching out to your office : 1. Disputed the errors directly with Experian I have submitted multiple disputes, providing supporting documentation to substantiate my claims.

2. Communicated with creditors I have reached out to the relevant creditors to verify the inaccuracies and have obtained confirmation regarding the incorrect information.

3. Followed up persistently Despite numerous follow-ups, Experian has either failed to correct the errors or provided inadequate responses. 
The inaccuracies on my report have significantly impacted my financial standing, and Experians failure to correct these errors is causing undue hardship. As a consumer, I have the right to accurate reporting, and Experians lack of compliance with FCRA regulations is unacceptable.

I kindly request the CFPB to investigate this matter and take the necessary actions to ensure Experian properly investigates and corrects the errors on my credit report. I am happy to provide any additional information or documentation needed to support my complaint. 
Thank you for your time and assistance. I look forward to your prompt response regarding this matter. 
Sincerely, 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchase car with XXXX XXXX XXXX XXXX  on XX/XX/year>, i was making payment on time never been late, the car was paid off, they report 30 days late payment on XXXX XXXX i disputed with experian and XXXX  never resolve. i contact the lender they provide payment history and it shows never was late. they said dispute they cant do nothing i followed instruction but issue never resolve it drop my credit score big time

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 2025-02-01 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: CA

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX20 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was a customer of ING Direct, I had a CD with them as well as savings account.

At one point ING Direct Bank was acquired by Capital One Bank.

I kept depositing money into this account and using this account with Capital One.

I was recently printing out statements and noticed my interest rate on my savings account was only 0.3 % this seemed much too low.

I did a search and found that Capital One has another savings account not associated with ING direct and the interest rate is 10 times higher. from my log in page there is no hint this product exists, only from link used with other search engine. 

They hid this product and kept ING Direct customers in the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase XXXX credit card : I purchased a XXXX garage door keypad {$57.00} from XXXX 's seller named XXXX XX/XX/year>. I received it and tried to program it with no success. I contacted XXXX through their chat program and was told I had to contact XXXX directly. I then contacted XXXX and the seller agreed to a refund : See uploaded screenshot. 

I then contacted XXXX customer service and the representative state " it will never work it's a XXXX knockoff ' ''. 
I then contacted XXXX through their chat program again and they refused to refund my money and would not give me access to a pre printed return label to the seller. I disputed it again and it was denied. 
I contacted Chase ( my credit card ) after that and sent them documentation supporting my dispute and they refused to credit my account for {$57.00}. 
So, XXXX first refused my refund and then Chase refused my credit of {$57.00}. 

I filed a complaint with the FTC and my report number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Action Against Experian for Violations of the Fair Credit Reporting Act Dear Federal Trade Commission, I am writing to formally request that the Federal Trade Commission ( FTC ) take action against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in practices that amount to credit fraud and identity theft. 

On XX/XX/XXXX, Experian accessed my credit report without my written consent, which is a clear violation of my rights under the FCRA. Furthermore, they subsequently deleted my XXXX XXXX XXXX account, which had been paid, closed, and had never been late. The removal of this account not only impacts my credit score but also undermines my financial integrity and trust in the credit reporting system. 

I have attached documentation supporting my claim, including a letter from XXXX XXXX XXXX that confirms their update of my account information and their reporting of this account to all three credit reporting agencies. This documentation illustrates the unjust actions taken by Experian and the distress caused by their negligence. 

I urge the FTC to investigate this matter thoroughly and take appropriate action against Experian to prevent such violations from occurring in the future. The unauthorized access of my credit report and the subsequent deletion of a valid account is not only unethical but also detrimental to consumers like myself. 

Thank you for your attention to this matter. I look forward to your prompt response and to seeing justice served against these practices that jeopardize consumer rights. 

Federal Trade Commission, Experian violated 15 U.S.C. 1681b is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the permissible uses of consumer reports.

Permissible purposes include : Court orders A consumer reporting agency can provide a consumer report if ordered by a court with jurisdiction. 
Subpoenas A consumer reporting agency can provide a consumer report if subpoenaed by a federal grand jury. 
Written instructions A consumer reporting agency can provide a consumer report if the consumer has given written instructions to do so. 

Sincerely

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello and thank you for reviewing my case. 

Between XX/XX/XXXX and XX/XX/XXXX, I received fraudulent charges on my Bank of America credit card, which I use very infrequently. The transactions took place within a 10 day period, in six different cities, and mostly cities I was not in and do not have any family/friends there. The total amount was {$1700.00}. 

I called a representative and discussed on XX/XX/XXXX. They began investigating the claim and temporarily removed the charges. I received a letter on XX/XX/XXXX stating the charges were not fraudulent and all were added back to my account. The letter stated : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present.

I tried calling but their offices are closed and will call back Monday, XX/XX/XXXX. However, they did not provide me any additional context. The charges on the account were : 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 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 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 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 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 monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX account begging with XXXX has closed my debt with them and no longer service my account. I have confirmation from this company with a balance of XXXX $ has been closed and sold to another lender. I have disputed this with transunion they removed it which I have proof then added it back. That is a violation. Experian and Equifax will not remove the inaccuracy as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MS

Complaint narrative:
XXXX XXXX XXXX account begging with XXXX has closed my debt with them and no longer service my account. I have confirmation from this company with a balance of XXXX $ has been closed and sold to another lender. I have disputed this with transunion they removed it which I have proof then added it back. That is a violation. Experian and Equifax will not remove the inaccuracy as well.

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