vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was charged a late fee plus interest on my Kohls Capital One credit card. The Kohls Capital One customer service claimed my bank had rejected the charge. The date of the original charge was on XX/XX/year> which was setup to pay the full amount. On XX/XX/year> unknown to me the payment was denied by my bank. Kohls then charged me a late fee plus interest. The crux of the issue was from Kohls not updating the new bank account information I supplied to them online on or before XX/XX/year>. I authorized payment in good faith expecting the new banking account was fully updated and in service. Numerous other billers I set up the new account number at the same time as Kohl 's, had absolutely no issues receiving payments from my bank. I have over an XXXX credit rating and have been a loyal Kohl 's credit card customer for XXXX years. Kohls can attest to that as well. I contacted Kohls Capital One to find out what had happened as I was stunned this payment didn't go through as approved by me. The Capital One customer service rep said the bank account information wasn't updated. Therefore, I was at fault and the payment was late. That would have been on the Kohl 's system which caused the error. Kohls transitioned at this very time to Capital One. Not sure how Kohl 's actually failed to update my banking information. However, I did update the banking account information in early XXXX and my bill wasn't charged to my bank until XXXX. Kohl 's Capital One employees refused to forward my complaint higher and were so poorly trained I was placed on hold over 5 times and spent XXXX minutes on the phone trying to resolve this issue. They had no idea on how to resolve the issue. I was ultimately blamed for the error. Why is a poorly trained and unenthusiastic person made to be the final judge on my complaint? They were helpless and unsympathetic. I believe with the transition over to Capital One, Kohl 's customer service no longer took initiative to update their records before the switch over causing my updated banking info to be overlooked. All I asked was to have the late fee and interest charge be removed. The interest charge was removed but they claimed there was no way the late fee could be removed. I have already paid the bill minus the late fee in full. Incidentally, I haven't changed my banking account information since originally updating in early XXXX and surprise! the current payment went through without a glitch. My new Capital One card is shredded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've deposited a cheque for amount of {$1900.00} into our Bank of America ( BOA ) cheque account on XX/XX/year>. The XXXX advised that the cheque need up to XXXX for review and to verified clearance or not. 
On XX/XX/year>, we checked our account, My husband took a screenshoot of the account from his BOA app to confirmed available funds which shows the cheque is cleared, and we can see funds is available to use. 
I've proceeded to purchased at XXXXXXXX XXXX XXXX from the available cheque funds. On the same evening, we received an email from BOA advising that our cheque account is overdrawn. We checked our cheque account and the cheque was reversed out. At the same time we had been scammed as we have provided the XXXX XXXX XXXX away. 
On XX/XX/year> at XXXX I called BOA Customer Service XXXX XXXX clarification and complaint on the deposit. I was on the phone for XXXX & XXXX, got put through to XXXX different staff and finally spoken to XXXX from XXXX Department. I've explained to XXXX that I deposited the cheque and was told within XXXX the cheque get clearance or not. In our case the cheque is cleared as our cheque account have the cheque available funds. XXXX explained that they have XXXX to review the cheque and after XXXX the cheque is not legit therefore they reverse the cheque. I've asked XXXX that while BOA review the cheque within XXXX why is the funds available in our account for us to access. XXXX could not explained this but continuously advising that after XXXX the cheque was not legit therefore it got reverse out. I've explained to XXXX that BOA need to take responsibility and honour the cheque amount as the cheque amount was made available for us during BOA completing their due diligent and review of the cheque. BOA fails us as their customers by not doing their due diligent process correctly. By BOA allowing the funds made available for us to access means that BOA confirming with us that the cheque is good and legit. As BOA customers we trust BOA and therefore have used the funds on good faith that all review and checked at BOA end and that the monies are safe to access. If BOA did complete the full due diligence and not having the funds available for access, we would not have access the funds and our account would definitely not go into overdrawn. I've asked XXXX to speak to his XXXX as i want to escale my complaint but XXXX hang up on me after XXXX & XXXX on the phone. 
BOA have provided us with funds access againt unclear cheque then BOA need to honour the deposit and not reversing the cheque which cause us overdrawing our account and loss of monies.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX Date Opened XX/XX/XXXX Balance {$860.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$610.00} 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

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX XXXX 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 2025-02-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Ive been disputing this Department of Education balance for months. The issue stems from my XXXX XXXX and XXXX XXXX disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the XXXX XXXX XXXX term, I was awarded a XXXX XXXX of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the XXXX XXXX XXXX 

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a XXXX So, between the {$2300.00} unpaid from my XXXX XXXX and the {$1000.00} unpaid or reimbursed from XXXX XXXX, XXXX owed a total of {$3300.00}. 

Now, lets look at my XXXX XXXX with XXXX, which totals $ XXXX amount is correct. If you subtract the {$3300.00} XXXX owed from the XXXX XXXX and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the XXXX XXXX, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} XXXX XXXX overpayment that never happened. The XXXX XXXX should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

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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 2025-02-27 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: IL

Complaint narrative:
XXXX XXXX Ive been disputing this Department of Education balance for months. The issue stems from my XXXX XXXX and XXXX XXXX disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the fall XXXXXXXX XXXX XXXX I was awarded a XXXX XXXX of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the XXXX XXXX XXXX 

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a student. So, between the {$2300.00} unpaid from my XXXX XXXX and the {$1000.00} unpaid or reimbursed from XXXX XXXX, Im owed a total of {$3300.00}. 

Now, lets look at my XXXX XXXX with XXXX, which totals XXXX XXXXXXXX amount is correct. If you subtract the {$3300.00} Im owed from the XXXX XXXX and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the XXXX XXXX, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} XXXX XXXX overpayment that never happened. The XXXX XXXX should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

-- -

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 2025-02-27 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: IL

Complaint narrative:
XXXX XXXX Ive been disputing this Department of Education balance for months. The issue stems from my XXXX XXXX and XXXX XXXX disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the fall XXXX spring term, I was awarded a XXXX XXXX of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the XXXX XXXX XXXX 

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a student. So, between the {$2300.00} unpaid from my XXXX XXXX and the {$1000.00} unpaid or reimbursed from XXXX XXXX, Im owed a total of {$3300.00}. 

Now, lets look at my XXXX XXXX with XXXX, which totals $ XXXX amount is correct. If you subtract the {$3300.00} Im owed from the XXXX XXXX and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the XXXX XXXX, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} XXXX XXXX overpayment that never happened. The XXXX XXXX should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

-- -

Company response to consumer: Closed with non-monetary relief