vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This matter involves XXXX XXXX XXXX XXXX which is now truest I have my business checking account there for a few years and in XX/XX/year> I was told that I needed to close my account within 24 hours and that I hadnt done anything wrong, but as part of the bank regulations, it was required that I closed the account. I asked the rep at the counter what was wrong why I had to close my account she said she wasnt sure but she will get my money together for me to withdraw from the bank. I then spoke with XXXX XXXX, who was my personal biking rep who I work with for the years that I was biking there and she looked at my information and she wrote down a case number, and she said that my account was being flagged for international money laundering to XXXX. Ive never sent money to XXXX. Ive never worked with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never laundered any money. All of my banking transactions are within the United States if I do purchase any type of inventory or supplies outside of the United States Everything is done legally. XXXX XXXX XXXX  would not officially give me any statements. And when I reach back out to XXXX. She let me know that she will get in trouble if she spoke with me again because she was not supposed to look up my account to find out that I was being flagged for money laundering. 
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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX, I deposited a Capital One check in the amount of {$210.00} for an automatic payment to clear on the XXXX. The check was a sent to me because Capital One had made two separate, automatic withdrawals from my financial accounts for payments made to my Capital One Credit Card. Two separate payments in the amount of {$210.00} was taken from two separate bank accounts that is in my name. This was the result after I had made several attempts in calling them to remove one of the bank accounts from my Capital One credit card account for two months. After calling into Capital One they agreed to send a check to me as a refund in the amount of {$210.00}. After waiting almost two weeks for the check, I received the check and decided to deposit the check to make the next monthly payment to my credit card account. Once my financial institution cleared the check, {$210.00} was paid to my Capital One Credit Card. On XXXX XXXX XXXX XXXX in the morning, I received an email stating, the {$210.00} will be available on XX/XX/year>, because there is a temporary hold on my account. The email also stated if I connect my other financial account to my Capital One account, the payment may get confirmed sooner. 
The email went on to say they have applied the amount toward my Capital One account balance but this was a one-time connection and they wont be able to access my account again. Im currently on a special payment plan program, and the payment was made on time due to the automatic payment to my Capital One account. The email was threatening and harassing. This is not the first time I have received threats from Capital One. Its possible this email is a scam. I verified all information such as the email address it was sent from, headers and footers, The email look legit. I will call Capital One to confirm receipt of this email on Monday. I want to report this because there is fraud associated with this Capital One account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation 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 ( CFPB ) has recently filed a lawsuit against Experian , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law 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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
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 2025-01-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened 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  that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-26 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: FL

Complaint narrative:
the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681o for negligence and non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX XXXX Subject : Notice of Dispute and Legal Non-Compliance under 15 U.S. Code 1681o Dear CFPB : I am writing to formally dispute and address negligence on your part in complying with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which governs civil liability for negligent non-compliance. 

The issue pertains to credit reporting problems with Equifax, XXXX, XXXX XXXX XXXX XXXX  XXXX. I believe your actionsor lack thereofconstitute a negligent violation of the FCRA, resulting in [ specific harm, such as financial loss, emotional distress, or damage to your credit report ]. 

Facts Supporting My Claim : 1. Incident Details : I have reported to all 3 several times about problems with credit report, such as misinformation fraud and unknown open accounts in my name fraudulent and closed accounts that were sold off to debt collectors or paid and agreement with company only to still be showing on open and unresolved on my credit report 2. Your Obligations Under FCRA : As per the FCRA, you are required to correct inaccurate information, conducting proper investigations, oand or maintain compliance with reasonable procedures. 
3. Failure to Comply : Despite my initial dispute letter/calls, you have failed to investigate or correct the issue.

My Rights Under 15 U.S. Code 1681o : Under 1681o, you are liable for actual damages resulting from your negligence, including attorney fees and court costs, should legal action become necessary. The law obligates entities to act with reasonable care in ensuring the accuracy and proper handling of consumer information.

Resolution Requested : To resolve this matter, I am requesting the following : 1. Immediate correction of specific issue including removing negative and fraudulent accounts and correcting my credit report.

2. A detailed explanation of the actions taken to rectify the situation.

3. Compensation for damages incurred due to your negligence, as outlined under the FCRA. 

If I do not receive a satisfactory response within 30 days, I will be compelled to escalate this matter, including pursuing legal action to enforce my rights under 1681o.

I trust that you will treat this matter with urgency and take the necessary steps to address the negligence. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
Subject : Complaint Against OneMain Financial Regarding Unwanted Insurance Policies, Refund Issues, Vehicle Title Access, and Predatory Lending Practices Dear CFPB, I am writing to formally file a complaint against OneMain Financial regarding my loan account opened on XX/XX/XXXX. My experience with this company has raised serious concerns about their business practices, particularly relating to insurance policies, access to my vehicle title, and the exorbitant interest rate. 

Upon securing the loan, I was subjected to a predatory interest rate of 33.3 %. This rate is not only excessively high but also raises concerns regarding their lending practices. I believe this type of lending is predatory and exploitative, particularly given my financial situation at the time. 

In XX/XX/XXXX, I canceled the disability and life insurance policies that I had unknowingly purchased and requested a refund for those policies. Despite my request, OneMain Financial has failed to process this cancellation or refund. 

Additionally, my loan is secured by my vehicle. In XX/XX/XXXX, I contacted OneMain Financial to request the title for my vehicle, as it is being salvaged. I was informed that I need to apply for a new loan to obtain the title, which I believe is unjust and unreasonable given the circumstances. 

Details of my complaint are as follows : Date of Loan : XX/XX/XXXX Amount of Loan : {$10000.00} APR : 35.99 % Nature of Complaint : Unknowingly purchased insurance policies, failure to process cancellation and refund, unreasonable requirements for vehicle title access, and predatory lending practices. 

I am also aware of the ongoing lawsuit against OneMain Financial for deceptive lending practices, which further underscores my concerns regarding their conduct. 

I request that the CFPB investigate this matter and assist me in resolving it. Specifically, I would like to : 1. Ensure the cancellation of the insurance policies and the processing of the requested refund.

2. Facilitate access to my vehicle title without the requirement of applying for a new loan.

3. Address the predatory lending practices associated with the high interest rate on my loan.

4. Hold OneMain Financial accountable for their misleading practices. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Several hard inquiries have appeared on my credit reports that I do not recognize and did not authorize. These inquiries are fraudulent and do not reflect any actions Ive taken. 

The inquiries in question are 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 XXXXXX/XX/year> I did not apply for credit with these companies or authorize these inquiries. I first noticed this issue while reviewing my credit report, and the inquiries range from XX/XX/year>XXXX XXXX XXXX XXXX 

These unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ), which prohibits inaccurate or unauthorized information from being reported on a consumers credit file. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ), and creditors or data furnishers must not submit inaccurate information ( 15 U.S.C. 1681s-2 ). Furthermore, the FCRA grants me the right to dispute inaccurate or fraudulent information and mandates that disputed items be investigated and corrected or removed promptly ( 15 U.S.C. 1681i ). 

As soon as I identified the fraudulent activity, I placed fraud alerts on my credit files and contacted the credit bureaus to protect against further unauthorized actions. These inquiries have negatively affected my credit score and do not represent my financial behavior. 

I am requesting a thorough investigation into these inquiries and that they be removed from my credit reports immediately in compliance with the FCRA. I also ask for written confirmation that these inquiries have been removed and that my credit report has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Several hard inquiries have appeared on my credit reports that I do not recognize and did not authorize. These inquiries are fraudulent and do not reflect any actions Ive taken. 

The inquiries in question are : 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 XXXXXX/XX/year> I did not apply for credit with these companies or authorize these inquiries. I first noticed this issue while reviewing my credit report, and the inquiries range from XX/XX/year> to XX/XX/year>. 

These unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ), which prohibits inaccurate or unauthorized information from being reported on a consumers credit file. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ), and creditors or data furnishers must not submit inaccurate information ( 15 U.S.C. 1681s-2 ). Furthermore, the FCRA grants me the right to dispute inaccurate or fraudulent information and mandates that disputed items be investigated and corrected or removed promptly ( 15 U.S.C. 1681i ).

As soon as I identified the fraudulent activity, I placed fraud alerts on my credit files and contacted the credit bureaus to protect against further unauthorized actions. These inquiries have negatively affected my credit score and do not represent my financial behavior.

I am requesting a thorough investigation into these inquiries and that they be removed from my credit reports immediately in compliance with the FCRA. I also ask for written confirmation that these inquiries have been removed and that my credit report has been corrected.

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 2025-01-26 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: FL

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 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  XX/XX/XXXX has violated my rights.

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