vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Unfortunately, I am not sure that I have all the right information as this dates back many years and I have only just figured out the issue. 

I opened up a XXXX XXXX Account with XXXX XXXX  on XXXX XXXX. At the time, XXXX XXXX was offering the highest percent interest. I established XXXX savings accounts with them. In XXXX, Capital One completed their acquisition of IXXXX XXXXt and so my savings accounts moved to Capital One. Both of my accounts were transferred over and everything seemed to be aligned, so I did not look in to more details. 

Just recently, in XXXX, I looked in to the details of each of my accounts and found that the interest rate was shockingly low - 0.30 %. Capital One had consistently been marketing interest rates much higher, minimally over 3.5 % and at some points up to 4.25 or 4.5 %. I called Capital One. They informed me that my accounts were XXXX Savings and that the XXXX was XXXX XXXX Savings and then offered to change my accounts so that they were in the Performance Savings category. I had to give verbal agreement to their disclaimer and this was all completed on XX/XX/XXXX. My monthly interest on XXXX account went from $ XXXX to {$710.00}!!! So, now I realize that I've been missing out on the higher interest for 12 years. When Capital One acquired XXXX XXXX, they made a choice to move those accounts in to a savings account with a different interest rate average and purpose ( i.e. not XXXX ) and they were deceptive in doing this given that they did not provide any notice to their clients nor give any sort of option to choose one or the other. I didn't natively go to Capital One and research accounts because I became their client through an acquisition. Unfortunately, I guess I was young and naive and believed that my account was still under the same terms, just with a new owner. I am older and slightly wiser and realize instead that they just capitalized on the fact that not everyone logs in regularly and clicks in XXXX layers to get at the details and confirm the interest rate they were " sold '' is actually what they are getting. However, I have unknowingly lost out on thousands of dollars in interest while staying as a client with Capital One because of their duplicitous behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
My husband and I are on a routine weekly payment for our lease on our XXXX XXXX XXXX of approx. {$130.00}. For the past consecutive weeks, we have been making payments ( but have been 5 days late ). Regardless of being late by 5 days, we have paid up to where it's appropriate. XXXX XXXX XXXX about XXXX times every day. I spoke with our account representative on XX/XX/XXXX and disclosed that I specifically handle international and onshore video interviews for my employer, to where I can't answer any calls unless it's from XXXX or any time after XXXX. This was not taken heed to, and they consistently call at any hours BUT that time frame. When we've answered, they specifically state we have to come to a location to sign documents about when we can pay. They say this every single time and demand it. We only have that car. It's our only transportation, and when my husband gets off work, they are closed. It isn't conducive. We completely understand the reference to paying late by 5 days but we ALWAYS pay. They also have been calling my husbands phone to contact him, which is understandable. However, they have chosen to take tactics to contact his employer now. We now have chosen to document the experience as well which we believe is uncalled for and extremely aggressive. On XX/XX/XXXX, XXXX chose to call my husband 's employer and left a voicemail message to an outdoor sales manager. We have it documented in an email on XXXX XXXX. My husband spoke with XXXX the same day and made the payment of {$130.00}. He was told that we had a few late fee payments to make as well, but we couldn't commit to the difference of {$25.00} ... because the total they quoted him was {$160.00}. Today, XX/XX/XXXX, XXXX called my husband 's employer regarding the difference owed. This is entirely unreasonable and we want to request a cease and desist for such aggressive nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: KY

Complaint narrative:
I was XXXX in XXXX and had bills to pay. I was charged a draft fee of {$20.00} plus the amount owed. Navy federal did state that they didnt process the payment in time but it was still at my cost of the account. Even though there was money there when the transaction was made. They took there time processing the transition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Did not properly disclose problems with XXXX app. During transactions or transfers of money.

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 2025-01-16 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-16 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: OR

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-16 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: CA

Complaint narrative:
There are errors in the way some accounts are listed on my credit report, and this has caused an unnecessary drop in my score.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, to formally dispute information listed on my credit report. The account in question is as follows : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX This account is listed as [ specific negative status, e.g., " delinquent, '' " in collections, '' etc. ] on my credit report. However, I have reason to believe that the reporting of this account violates the FCRA due to the following : 1. Unverifiable Information : I received a letter from XXXX, a third-party data furnisher often relied upon by credit bureaus, confirming that this account is unverifiable. Under Section 609 of the FCRA, credit reporting agencies are required to ensure that all information reported is both accurate and verifiable. The lack of verification from XXXX demonstrates a failure to meet this standard. 

2. Bankruptcy Court Confirmation : I have obtained a letter from the XXXX XXXX XXXX  confirming that they do not provide credit bureaus with case information. This directly contradicts claims by Equifax credit bureau or data furnishers that the information was obtained from the court. Reporting unverifiable or inaccurate bankruptcy information is a violation of Section 611 of the FCRA, which mandates that any disputed information be promptly verified or removed. 

Legal Violations The continued reporting of this inaccurate information violates my rights under the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. The presence of unverifiable information on my report indicates a breach of this requirement.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted or corrected.

15 U.S.C. 1681g ( a ) ( 2 ) : I have the right to request all information related to the source and verification of this account, which includes details about how this information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Before Zelle had any disclosures I was not warned that I would not be able to receive my funds back prior too sending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: LA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

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.

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 2025-01-16 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 a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
**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, Experian, and 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 receiving this complaint. 

The fraudulent, inaccurate, and false information consists of a personal credit card account opened .... 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I have 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. All of the accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or authorized by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached to this document are two filled reports from the Identity theft. Gov.

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 2025-01-16 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I called PNC right away and gave them all the information they could use to go after the fraudster. They couldnt care less. They deserve to be prosecuted and held accountable as they were absolutely UNINTERESTED in getting the fraudster. The FRAUD department was a JOKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I am unaware of their origins. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are included for your review.

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On Thursday, XX/XX/XXXX, I did not receive my paycheck in my checking account. I receive my paycheck every Thursday by XXXX latest. It never was deposited into my account. I called Capital One to ask about if, and was told its a technical issue with no estimated time it will be fixed. I have no money, no food, and can not feed my family tonight because they will not release my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions are unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report maintained by Experian. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

The following items on my report are inaccurate ] These accounts are either factually incorrect, incomplete, or unverifiable as required by law. Under Section 611 ( a ) of the FCRA, you are obligated to conduct a reasonable and thorough investigation into these disputes. 

It is particularly troubling that Experian is currently under scrutiny by the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigations into consumer disputes. This systemic noncompliance underscores my concerns about the integrity of your investigative processes and makes your prompt and thorough action in this case even more critical. 

I demand that you take the following actions within the 30-day timeframe required by law : 1. Provide me with documentation proving the accuracy and validity of the disputed accounts.

2. Supply a detailed summary of your investigation.

3. Correct or delete any information that can not be verified as accurate. 

I have attached relevant documentation to support my claims, including [ list enclosed documents, such as copies of your credit report, prior correspondence, or account statements ]. 

Please be advised that failure to comply with these requirements will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB and seeking legal remedies. 

I expect a written response to this dispute within the statutory 30-day periods

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