vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year> capital one blocked my acounnt due to suspicious activity and they asked for some documentation to verify my identity, i sent the documentation, they said that they need proof of.my adress as well, i sent a bank statement with my adress, they said the adress dont match with the adress on file, i told them is becouse i moved, they said they can not unlock my acount because of that, and that theres was not way to unloch my acount, however they continue charging me interest on thisnand they even made a charcge of XXXX dollars to my chase acounnt, charge that wasn't authorized by me. I told them im.not going to make any payments until i can see whats going on onmy acountt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have contacted my credit card company numerous times since the beginning of XX/XX/XXXX to request copies of my credit card statements from XX/XX/XXXX- XX/XX/XXXX. When I finally received the statements, they were missing all of XXXX, and XXXX XXXX. I have since contacted them so many times I've lost count ; they keep resubmitting the request to send me the statements from XXXX XXXX XXXX but each time they arrive in the mail, the only statements they send me are XXXX & XX/XX/XXXX, which I already have. I have called to complain over and over, spoke to supervisor after supervisor, who all just resubmit the request, and all that ever arrives are XXXX & XX/XX/XXXX. I spoke with Supervisor on XX/XX/XXXX who understood the problem and stated there was likely some type of system error, as the system said they sent me the statements, but clearly they aren't arriving correctly. To resolve the problem, he assured me that someone was manually printing the statements and putting them in an envelope to ensure that they reach me this time. Well of course, I received an envelope again today, XX/XX/XXXX, and once again, only a XX/XX/XXXX statement was in there. This is ridiculous ; this company is required by law to give me my statements upon request ; system issue or not, i'm entitled to my records and they are not providing them to me. The statements are needed for a court proceeding, and this company is costing me money each time i'm told to wait for the statements, only to have a XXXX XXXX statement show up after a two-week waiting period. I have expressed this on several occasions, and no one has taken accountability and resolved my problem. This is ridiculous-just so you're aware, this situation has destroyed a 20 year relationship I've had with your company. I have opened an account elsewhere, will be doing a balance transfer which is in progress, and will be giving my interest payments to your competitor. Given that my credit score is over XXXX, you just raised my interest rate to over 30 % and blamed it on inflation, and i haven't had any late payments and always carry a balance, I sure hope it was worth it. Please, for the love of XXXX, show your CEO this customer journey in your next board meeting.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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 ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five 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. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( 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 ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

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 ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five 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. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( 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 ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2025-01-11 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: FL

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

-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 I looked at my XXXX credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

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

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 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 I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I ask experian to dispute account thats unauthorized by me. I sent identity theft paper in and everything they need to kno I dont own what in my credit report and they keep sending it in as verified also address that I never stay they wont delete them as well.. 


Same with 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 2025-01-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XX/XX/year>XXXX  Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Jefferson Capital Systems, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express XXXX XXXX XXXX. Historically, I have always paid my monthly statement balance in full prior to the due date. Unfortunately, I mistakenly was a day late on the XX/XX/year> statement, the balance of which was {$41000.00}. The due date was XX/XX/year>. Most of the balance due was paid prior to the due date, with the partial remaining balance of {$17000.00} paid in full one day after the due date ( inadvertently ). For that one day late payment, I was assessed an interest charge on the XXXX statement of {$830.00} and another interest charge ( " trailing interest '' ) on the XXXX statement of {$1700.00}. That is a total of {$2500.00} for a payment of {$17000.00} made one day late. 
The issue is the both the interest rate itself ( roughly 25 % ) and the manner in which interest is calculated ( essentially on balances which are not even yet due ). It is the definition of usurious. 
How are the credit card companies allowed to get away with this practice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one bank is not allowing me to use my overdraft feature of {$250.00}. I only used {$160.00} of my overdraft fee feature when I called they basically told me theres nothing they could do despite my account meeting all the requirements to use this feature. This is an unacceptable inconvenience to a loyal customer of over five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My previous mortgage servicer was XXXX XXXX. On XX/XX/XXXX I paid for and received a valuation report ( appraisal ) to get the value of my house so that I can remove the PMI. I submitted the request to remove the PMI from XXXX XXXX and on XX/XX/XXXX, XXXX XXXX sent me a letter stating that my PMI amount of {$120.00} was removed. I made a payment in XX/XX/XXXX without the PMI with XXXX XXXX. In XX/XX/XXXX, my mortgage was transferred to Newrez and they continued to bill me for the PMI amount. I requested that they remove it because I had it previously removed and they asked for me to pay for another valuation report so that I could get it removed. After several discussion with different Newrez representatives, they asked me for documentation about the PMI removal from XXXX XXXX. 

In XX/XX/XXXX, I submitted the documentation to have the PMI removed and to REFUND me all the PMI amounts that I had paid into that I should not have been billed for. I called again in XX/XX/XXXX to get the status only to find out that no one had done anything with my request. After an hour of complaining and being transferred to 5 different personnel, I spoke to someone at their PMI department and they said they were working to address my issue. On XX/XX/XXXX I received a letter from Newrez stating that due to the complexity of the issue, they need to review it some more. 

On XX/XX/XXXX, I called Newrez again to get a status of the issue and they could not anwer my question as to the status. They could not get in touch with the PMI group because they said it does not exist. This is very frustrating. 

I'm not sure what the issue is because I provided all the documentation that shows that it was removed from the previous servicer. In addition, since XX/XX/XXXX, they owe me, to date and counting, {$2200.00}. 

I would like to request assistance in getting a response from Newrez on not just a status update, but to get some action on them actually removing the PMI from my payment and the REFUND. This has been going on for over a year and they seem to not want to assist me. Please let me know if you need to see any of the documentation. 

Thank you 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
this account doesnt belong to me these need to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
this account doesnt belong to me these need to be removed asap

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 2025-01-11 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: NY

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 ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five 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. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( 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 ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 non-monetary relief