vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to dispute a charge of {$1900.00} to my credit card account on XX/XX/2024. I canceled the entire order on XX/XX/2024 with the merchant via email and received confirmation from the merchant that. I would receive a full refund back to my original payment method. I have not been able to get in contact with the merchant to resolve this issue. I called to setup a dispute and a representative disputed the wrong amount. 

The disputed amount is incorrect as I have already received {$100.00} from the merchant. Can you please correct this issue immediately and provide a provisional credit to my account until the dispute in resolved. 

I also have supporting documentation indicating that the order was canceled and the merchant was supposed to provide a full refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I spent several hours trying to open an account for my son so I can save money for his future. 

After hours of working with the system, I was able to successfully open up an account for my XXXX  son. 

They made me jump through all sorts of hoops to verify my identity and I thought everything was finished up, as I was assured I had the account open. 

Well, about 30 minutes after that call I went to the app to try to put money into the account and it states that the account is under a restriction, and provides a phone number to call to resolve the issue.

I have made several attempts to resolve this issue, but Capital One is being very difficult. I am a current customer with an account that includes direct deposit from my employer. It's a little confusing, since I've been a customer for years now, including bank accounts and credit cards. 

I feel like they're just giving me a hard time for no reason. Like I said I've had an account with them for years and I have direct deposit from my employer set up, it shouldn't be this difficult to open an account for saving money for my XXXX son.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request that your agency cease and desist all reporting and/or verification of inaccurate or unauthorized information regarding my account with XXXX XXXX XXXX Account # XXXX ) on my credit report.

This information is inaccurate and/or unverifiable, and its continued reporting is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and you are legally required to investigate and correct or remove any unverified data. I am demanding that you take the following actions immediately : 1. Cease all reporting of this account to third parties unless it is fully verified.

2. Provide me with documentation proving the accuracy and legitimacy of this accounts reporting.

3. Remove any inaccurate, incomplete, or unverifiable information regarding this account from my credit report.

If you fail to comply with this request, I will pursue legal remedies as permitted under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

Please provide me with written confirmation that this issue has been resolved within 30 days of receiving this letter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
The Dept of Government Efficiency has breached personal and private student loan information, including Social Security numbers, account numbers, and financial details from the Dept of Education 's National Student Loan Database System and the Common Origination and Disbursement System. This is a violation of my right to privacy under FERPA, and the Privacy Act of 1974.

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 2025-03-16 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off Inquiry : XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off Inquiry : XXXX XXXX  XX/XX/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 2025-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capitol One has agreed to remove this inquiry from my credit report due to identity theft. I have spoken to them and they informed me that all three credit bureaus have been notified of this. 
XXXX & XXXX have already removed this inquiry from my credit report and XXXX still has not removed this inquiry from my report and a significant amount of time has passed. Capitol One identity theft department has notified me that all Information regarding this matter has been reported to all three credit agencies to remove this inquiry and XXXX has refused and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NV

Complaint narrative:
As per outlined in attached dispute letter, the following companies are in violation of METRO 2 COMPLIANCE and FCRA law and in violation of related privacy laws as XXXX XXXX and DOGE were allowed access to my private student loan information with appropriate authorization. As a result, I respectfully request that my student loan information for DEPT OF EDUCATION XXXXXXXX XXXX XXXX be immediately removed FROM my credit reports with, but not limited to, TRANSUNION, EQUIFAX, AND EXPERIAN to avoid continued breach of privacy and violations of law.

There are 4 accounts currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CO

Complaint narrative:
I am disputing the account being reported by XXXX XXXX XXXX for the following reasons : This account does not belong to me. 
The balance being reported is inaccurate. 
There is no valid agreement or binding contract for this account. 
I have no prior knowledge of this debt, and you have not provided sufficient proof that it belongs to me. 
No purchase agreement has been presented to verify the legitimacy of this account. 

I formally request a copy of the original contract with my signature as proof of my obligation to this debt. If you are unable to provide proper documentation, I request that this account be removed from my credit report immediately. 

Please provide a response within the timeframe required by law. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-16 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: CA

Complaint narrative:
I am writing to formally request the removal of certain inquiries listed on my credit report that I believe are fraud the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of certain inquiries listed on my credit report that I believe are fraud the following inquiries : 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 non-monetary relief
Consumer complaint received 2025-03-16 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 am a victim of data breach and identity theft please block and delete these unauthorized accounts with unauthorized charges as well frca usc 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am a victim of data breach and identity theft please block and delete these unauthorized accounts with unauthorized charges as well frca usc 1681c-2

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I discovered discrepancies in the following account 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 Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to formally express my frustration and disappointment regarding the handling of a recent issue with my account. On XX/XX/year>, I added my TD Bank debit card to XXXX. Although XXXX declined my application XXXX XXXX, they still charged my account {$700.00}. When I contacted XXXX, they assured me that a refund would be issued within three business days. 

On XX/XX/year>, the refund was posted to my account, and I was able to use my debit card without issue. However, on XX/XX/year>, when attempting to make a transaction, my card was unexpectedly declined. Upon checking my account, I found that it was overdrawn due to two new charges from XXXX posted transaction for {$700.00} and another pending transaction for the same amount. 

I immediately contacted XXXX, and they confirmed that they could remove the hold if TD Bank accepted a letterhead from them stating so. However, XXXX refused to provide such a letter and instead provided case numbers with vague assurances that they would contact me within 24 hours. Meanwhile, when I reached out to TD Bank, I was given no real assistance and was simply told that my funds would not be available until Tuesday. 

As a new customer of TD Bank, this experience has been beyond disappointing. The lack of urgency and proper customer service in resolving a matter that directly affects my access to my own money is unacceptable. This situation has left me unable to use my account, through no fault of my own, and I now have no confidence in TD Banks ability to protect my funds. 

I expect immediate action to be taken to release the hold on my funds and to ensure that similar incidents do not occur in the future. Additionally, I request a thorough explanation of why my account was affected in this way and what steps TD Bank will take to prevent this from happening again. 

I look forward to your prompt response. If this matter is not resolved immediately, I will be left with no choice but to escalate this complaint further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I dispute are.

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 2025-03-16 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I am writing to formally dispute the claim of civil liability for negligence and non-compliance under Code 16810 that has been asserted against me. The claim alleges that I am responsible for credit inquiry 's that I did not authorized, and I believe that this claim is unfounded. 

I respectfully request that this matter be reviewed and resolved based on the following points : Lack of Negligence : Contrary to the allegations made, I have taken all reasonable steps to ensure compliance with applicable laws, regulations, and standards. I have [ describe actions you took to avoid negligence or to comply with requirements ]. The claim of negligence is not supported by the facts or evidence at hand. 
Compliance with Relevant Requirements : I have complied with all relevant provisions as required under [ specific laws, regulations, or agreements ], including [ list any relevant actions, documents, or communications ]. To my knowledge, I have met all obligations and responsibilities that are outlined under Code 16810, and I have documentation to support this.

Absence of Fault or Harm : In relation to the alleged harm or damage, I would like to emphasize that no actual harm has been caused as a direct result of any action or inaction on my part. Additionally, I believe that the claim of negligence does not demonstrate causality between my actions and the alleged consequences. 
Upon review of the claim, I have found several discrepancies that suggest the claim is based on inaccurate or incomplete information. Specifically, improper investigation. Requested proof of how it was validated.

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 2025-03-16 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: GA

Complaint narrative:
I contacted Mohela by phone to inquire about late payments showing on my credit report within the last month of 120 days past due and was told that my account status should not being showing any past due amount. This has had a negative impact on my credit worthiness in the eyes of other creditors and I am in the process of purchasing a home. I was told by a supervisor that the account would be corrected and removed due to my Total and Permanent Discharge eligibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
my information was leaked in a data breach and im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 2025-03-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of certain inquiries listed on my credit report that I believe are fraud the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation