vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I hope this can also help others who may encounter this situation. Thank you, CFPB Draft Complaint for CFPB Submission : Subject : Predatory Practices and Unfair Account Restrictions by Capital One Complaint Details : I am filing this complaint against Capital One due to repeated and unjustified account shutdowns following legitimate purchases. These actions are not only disruptive but seem designed to trap customers with low credit limits into cycles of financial dependency and fees. My specific concerns are as follows : 1. Account Shutdowns : * My Capital One card is frequently shut down after legitimate purchases, particularly larger ones, such as a {$400.00} grocery trip. 
* These shutdowns occur despite my history of responsible usage and on-time payments. 
* Reconnecting my account requires lengthy calls with customer service, often taking over an hour, which discourages me from making necessary purchases.

2. Impact on Credit Growth : * These practices make it nearly impossible to demonstrate responsible credit usage for larger purchases, hindering my ability to build credit. 
* The card 's low limit ( {$500.00} ) and oversensitive fraud systems exacerbate this issue, often leaving customers like me at risk of overdraft fees or financial disruption. 
XXXX. Targeting Vulnerable Customers : * These policies disproportionately affect individuals with lower credit scores, effectively keeping them trapped in financial hardship. 
* The lack of flexibility and transparency appears designed to maximize profit through penalties, fees, and interest. 
How This Affects Me and Others : * I, and likely many others, feel bound by these practices, unable to achieve financial independence or improve credit scores. 
* These shutdowns create unnecessary stress and financial risk, especially for those relying on their card for essential purchases. 
What I Am Requesting : XXXX. A review of Capital One 's risk management policies and the systemic shutdowns of accounts after legitimate transactions. 
XXXX. A more transparent and fair system for addressing flagged transactions without unnecessary account closures or delays. 
XXXX. Accountability for practices that unfairly target and trap vulnerable consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> and XX/XX/year>, automatic payments ( ACH ) were deducted from my bank account ( {$240.00} each ) by Mohela. After contacting Mohela several times by phone and portal messaging, they denied receiving the payments and marked my account as past due. I provided legal documentation from XXXX, proving my payments were taken both times. Mohela refuses to return my calls or respond to my portal messages. My account still shows past due for the amount of {$100.00} and XXXX of my loans are marked delinquent. I have now been contacted by the U.S. Department of Education saying they have been notified that I am past due and it will be stated as such on my credit score/credit history. Call wait times for Mohela take over an hour and each representative is incapable of resolving the issue. At this point in time, I consider their actions to be theft and their refusal to correct their mistakes have created undue financial consequences for myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: WV

Complaint narrative:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

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 2024-12-04 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: WV

Complaint narrative:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

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 2024-12-04 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was XXXX  for XXXX months. When I was XXXX  I found the my funds from my XXXX benefits had been moved from my account. I went to the bank with my XXXX  dates and submitted my fraud claim but was denied. I requested the bank send me proof of me authorizing the transactions. I did not receive anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-04 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PHONE NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report** **To Whom It May Concern, ** I am writing to formally dispute several inquiries listed on my TransUnion credit report XXXX These inquiries, dated XXXX and XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction.

**Specific Inquiries and Lack of Permissible Purpose : ** The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA . I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ** I have no record of applying for credit with XXXX XXXXXXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** I do not recall applying for credit with XXXX XXXX this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** Similar to inquiries XXXX XXXX XXXX XXXX XXXX, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 

**Impact of Inquiries : ** These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

**Request : ** I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA , or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

Sincerely, 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
Consumer complaint received 2024-12-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER : XXXX XXXX : XXXX SSN : XXXX **Subject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report** **To Whom It May Concern, ** I am writing to formally dispute several inquiries listed on my TransUnion credit report XXXX These inquiries, dated XXXX and XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction.

**Specific Inquiries and Lack of Permissible Purpose : ** The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA . I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

XXXX. XXXX XXXX ( XX/XX/year> ) : ** I have no record of applying for credit with XXXX XXXXXXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** I do not recall applying for credit with XXXX XXXX this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** Similar to inquiries # XXXX and # XXXX, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 

**Impact of Inquiries : ** These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

**Request : ** I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA XXXX or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

Sincerely, 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
Consumer complaint received 2024-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to formally address a serious concern regarding the handling of my personal information by Capital One, which appears to be in violation of the Privacy Act, the Fair Credit Reporting Act ( FCRA ), and relevant sections of the United States Code ( USC ). 

Despite previous written requests submitted on XX/XX/2024 and XX/XX/2024, I have not received confirmation of the removal, deletion, and blocking of certain erroneous information from my credit profile. Furthermore, I have opted out of any and all third-party unaffiliated information sharing, yet it seems this preference has not been honored. 

According to the Privacy Act and the FCRA, consumers have the right to request the correction or deletion of inaccurate information in their credit reports. Specifically, under the FCRA ( 15 U.S.C. 1681 ), financial institutions are required to ensure the accuracy and privacy of the data they report and share. Additionally, any opt-out requests must be respected as per the guidelines set forth under the USC and associated consumer protection laws. 

I was never provided the total information needed to opt out any reporting and I never received instructions on how to opt out. I am exercising my right to opt out to any non-affiliated third party reporting including XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple accounts from companies I do not recognize, and I have not authorized any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: KY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I made my credit card payment to Bread Financial ( formerly Comenity Bank ) using the same bill pay method from my checking account that I have used every month. The payment was made before the due date of XX/XX/year>. Despite this, I received a notice that my payment was late, and a late fee was added to my account. 

I have proof of payment showing the funds were sent and deducted from my checking account. However, Bread Financial has failed to credit my payment correctly. 

On multiple occasions, I contacted Bread Financial for assistance : XX/XX/year>, at XXXX XXXX  : I called and was told the matter would be escalated, and someone would reach out in 48 hours. 

XX/XX/year>, at XXXX XXXX  : I called again after no follow-up and was told the same thing. 

I also sent an email requesting an explanation and was told they couldnt help. 

When I called again and spoke to a supervisor, I was told she didnt know what to do. 


Despite my efforts and providing proof of payment, the issue remains unresolved. Bread Financial has not responded adequately, and this issue is now negatively affecting my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-04 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: GA

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 response to consumer: Closed with explanation