vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such failing to forward consumers- provided evidence to funishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items and despite the evidence I provided, casing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian inactions violates federal law and my and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One kept the interest rates on the 360 Savings account low even as they were rising across the country. In the process, Capital One avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions. While marketing the 360 Savings account as offering attractive rates, Capital One simultaneously launched a similarly named product that was promising significantly higher rates. Around the same time, Capital One created a virtually identical product, 360 Performance Savings, that differed from 360 Savings only in that it paid out substantially more in interestat one point more than 14 times the 360 Savings rate. Capital One did not specifically notify 360 Savings account holders about the new product, and instead worked to keep them in the dark about these better-paying accounts.

Capital One deliberately took steps to prevent 360 Savings account holders from finding out about the 360 Performance Savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AZ

Complaint narrative:
I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: OH

Complaint narrative:
Dear Equifax I am filing this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you block fraudulent information appearing on my consumer credit report within 4 business days of receiving this letter. The inaccurate and false information on my report consists of the following fraudulent accounts and inquiries that were not opened, made, or initiated by me : Fraudulent Accounts : XXXX XXXX XXXX : An auto loan account opened in 2021 under account number ( private ). 

Department of Education/XXXX : A student loan account opened in 2021. 

Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have attached a list of these fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by your agency, which highlights the fraudulent accounts and inquiries. These unauthorized accounts and inquiries have negatively impacted my credit and are the result of identity theft and fraud. 

Additionally, I have attached a copy of my FTC Identity Theft Criminal Complaint, case number ( XXXX ), as supporting documentation. 

Please process this request promptly and block all fraudulent accounts and inquiries listed above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
XX/XX/XXXXXXXX {$15000.00} XXXXXX/XX/XXXX,2024XX/XX/XXXX XXXX {$860.00} XXXX XXXX2024XX/XX/XXXX{$21000.00} XXXXXX/XX/XXXX2024

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
i have sent request to the company and requested the information through the all there credit bureas,XX/XX/XXXXXXXX, and XX/XX/XXXX have asked for signed application and proof this was my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries in Dispute :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXX/XX/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 2025-01-25 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiries in Dispute : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX, 2025 Spent over two hours talking to @ 7 different representatives, being bounced from customer service reps. to Fraud dept. reps., and purchases being declined, and being marked as fraud. 
On XX/XX/scrub>/25, a phone rep. stated I needed to immediately change my user name, and password because XXXX was being recognized. I verified my XXXX at a local bank! 

No email, no text, to approve or decline a purchase just blocked. At a store, I spent @ 30minutes wondering why my card was being declined knowing the funds were readily available holding up the line! COMPLETE EMBARASSMENT! 

I feel I am being targeted, and harassed to use my own funds!

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Unauthorized Reporting Under 15 USC 1681 Dear Transunion, I am writing to formally dispute the reporting of the following accounts on my credit report, as I did not provide written consent authorizing these entities to furnish my information or obtain my consumer report. According to 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under certain circumstances and with the explicit written consent of the consumer.

The accounts in question are as follows : All accounts with adverse action and all review inquiries I have reviewed my records and determined that I never granted written authorization to the above creditors or collection agencies to access or report my information. This lack of authorization makes their furnishing of information a direct violation of the Fair Credit Reporting Act.

To resolve this matter, I request the following : An immediate investigation of the listed accounts.

Removal of these accounts from my credit report if written consent can not be provided by the furnishing party.

Notification of the results of your investigation, including the specific steps taken and any evidence obtained.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. Please also ensure that any party that has accessed my report within the last 12 months is notified of corrections to my credit file, as required under 15 USC 1681i ( d ).

Enclosed are copies of my identification and a recent utility bill to verify my identity. Please confirm receipt of this dispute and the initiation of your investigation.

Thank you for your prompt attention to this matter. If you require additional information, please contact me at XXXX or XXXX. 
Sincerely, [ Your Full Name ]

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XX/XX/XXXXand XXXX reports both shows XXXX as my score but Equifax is not updating my score and shows XXXX. 
I have credit cards that are showing I owe full balance on that I have paid off or owe only {$20.00} on and that has not been updated. Without this information updated I can not get a house loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
As of this writing, my account has been improperly restricted, leaving me without access to vital funds while traveling internationally. This situation has caused significant hardship. On XX/XX/scrub> 2025, I received a wire transfer of {$58000.00} into my account from a house sale. Following this transaction, I made several purchases using my account and associated debit card. Subsequently, the account and card were blocked, prompting me to contact USAA Banks Fraud Department. After completing the verification process as required, my account and card access were restored. However, the following day, my account and card were again blocked without notice or explanation. 

Despite many attempts to speak with a fraud department representative to verify account information and resolve the issue, I have been told nothing can be done to unlock my account except to submit my identification on the USAA website to verify. After doing that I received a call from the Identity team and they verified me and said I needed to call the fraud department again to answer security questions. I called and was told nothing could be done and to resubmit my identification on the website ( an endless loop going nowhere ). 

I am currently traveling outside the United States, this unexpected and unjustified restriction has left him in a precarious situation, unable to meet essential needs in a foreign country. We are low on food and water and, can't pay for transportation, My son is unable to enjoy his vacation and constantly asks do I have money for certain things and I have to tell him no! This banks actions have inflicted undue financial and emotional distress on me and my family. These actions are unacceptable and must be rectified 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 2025-01-25 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: IN

Complaint narrative:
This company is still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
on XX/XX/XXXX the amount of {$460.00} and XX/XX/XXXX the amount of {$220.00} there was 2 fraudulent accounts opened using my personal information withXX/XX/XXXXXX/XX/XXXX. on XX/XX/XXXX there was a auto loan for the amount {$15000.00} taking out with XXXX XX/XX/XXXXusing my personal information. on XX/XX/XXXX there was an account opened with merchant ad for the amount of {$1100.00} fraudulent using my personal information

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 2025-01-25 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: SC

Complaint narrative:
on XX/XX/XXXX the amount of {$460.00} and XX/XX/XXXX the amount of {$220.00} there was 2 fraudulent accounts opened using my personal information with XX/XX/XXXXXX/XX/XXXX. on XX/XX/XXXX there was a auto loan for the amount {$15000.00} taking out with XXXX XX/XX/XXXXusing my personal information. on XX/XX/XXXX there was an account opened with merchant ad for the amount of {$1100.00} fraudulent using my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
on XX/XX/XXXX the amount of {$460.00} and XX/XX/XXXX the amount of {$220.00} there was 2 fraudulent accounts opened using my personal information with XX/XX/XXXX-XX/XX/XXXX on XX/XX/XXXX there was a auto loan for the amount {$15000.00} taking out with XXXXXX/XX/XXXXusing my personal information. on XX/XX/XXXX there was an account opened with merchant ad for the amount of {$1100.00} fraudulent using my personal information

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 2025-01-25 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: TX

Complaint narrative:
XXXX, experian, nor XX/XX/XXXX can provide me proof of any of my disputes, the creditors are reporting late payments for charge off and collection

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 2025-01-25 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: GA

Complaint narrative:
I have disputed these collections and multiple times with Equifax, and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attachments ID Is attached to prevent several stalling letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are extremely inaccurate and nothing ever changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenty Bank continues to call my phone all day seeking to collect a debt on an account that was closed due to identity theft which Ive told them! They call me from XXXX leaving messages and voicemails. I want these calls to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year>, I transferred {$8800.00} to my fianc, using PayPal, but I accidentally clicked a field labeled goods and services instead of " Friends and Family ''.

Upon seeing this, my fianc immediately tried to return the payment, but my money was not returned. My fianc called PayPal and she was told by PayPal that the only way I can get my money back is that she needs to provide her Social Security number, which she is not willing to do because she is on XXXX in California and this will show as income to her and that could cause her to lose her XXXX status. 

We have spent many hours on the phone with PayPal Customer Support, explaining this was a simple mistake, but they tell us that there is no way to correct the designation that I accidentally assigned when transferring the money. They also said they would send the money back in 60 days after deducting 24 % tax but they recently put {$8500.00} back in my fiances PayPal account and she was able to transfer it to her bank account. PayPal kept {$260.00} which we think was possibly a transaction fee, but we are not sure about that. 

This event has caused my fianc and myself a huge amount of lost time and a huge amount of stress.

1. It is wrong that they would not change the designation of the money transfer from Goods and Services to Friends and Family after we called and explained the situation.

2. It is wrong that they kept our money for almost 3 months.

3. It is wrong that they took {$260.00} from us for no reason. 

I recently closed my PayPal account, so I no longer have access to statements or my account number.

Company response to consumer: Closed with explanation