vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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:
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.

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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased multiple items from XXXX, including the XXXX XXXX XXXX for {$110.00}. I returned the product using Amazons prescribed method. On XX/XX/XXXX, I received an official refund confirmation email from XXXX ( attached ), stating that a refund of {$110.00} was issued to my payment method and would be completed within XXXX business days. 

Despite this, I was charged again on XX/XX/XXXX, by XXXX for the same item. Upon contacting XXXX, their representatives repeatedly acknowledged via live chat and email that the refund should have been issued, even stating : I have successfully issued the refund to your original payment method. You will receive the refund within XXXX business days. 
XXXX XXXX, XX/XX/XXXX ( See attached email and chat transcript ) I provided Capital One with all of this documentationAmazons written admission of the refund, full chat logs, return confirmations, and the original order invoiceas part of my formal dispute Capital Ones Misconduct : Despite receiving the complete evidence package : Capital One repeatedly closed the case without addressing the XXXX confirmation of refund. 

They claimed I did not provide requested information, despite my multiple submissions containing all of the required documentation. 

They failed to conduct a reasonable or thorough investigation as mandated by law. 

They rebilled the charge even after temporary crediting my account, violating my rights as a consumer. 

This violates Regulation Z under the Truth in Lending Act ( 12 CFR 1026.13 ), which requires : A timely acknowledgment of billing error claims within XXXX  days.

A fair investigation within XXXX full billing cycles ( but no more than XXXX  days ). 
No adverse actions ( such as rebilling or credit reporting ) until the investigation is complete. 
Capital One has instead repeatedly rebilled the charge and disregarded all factual documentation. 


XXXX XXXX : XXXX issued a written refund confirmation and promised via chat that the refund was processed. Later, their representatives reneged, citing expired return labels and internal process failures. I provided tracking IDs where possible, and even requested XXXX codes to cross-reference my XXXX receipts. XXXX acknowledged that their automated locker returns do not issue customer receipts, creating an accountability gap. 

Their practices of : Promising refunds and then reversing course Charging consumers post-return Failing to document returns for items dropped at XXXX lockers Repeatedly transferring customers and closing chats prematurely constitute deceptive business practices under Section XXXX of the FTC XXXX, which prohibits unfair or deceptive acts or practices in or affecting commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX  Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-09 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
-- - XXXX XXXX [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Willful Non-Compliance Notice under the Fair Credit Reporting Act ( FCRA ) Re : 10 Unauthorized Accounts Reported by XXXX Dear XXXX, I am writing to formally notify you that there are XXXX unauthorized accounts listed on my XXXX credit report that I did not open, authorize, or initiate in any way. This is a direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

You have reported accounts without my written authorization or permissible purpose, constituting willful non-compliance under 15 U.S.C. 1681n.

I demand the following actions be taken immediately : 1. Immediate deletion of all 10 unauthorized accounts from my XXXX credit report. 
2. A detailed written explanation of how these accounts were verified, including the original applications, dates of reporting, and the name of the person ( s ) who claimed I authorized them.

3. Documentation showing the permissible purpose you relied on to allow these accounts to appear under my name.

Please be advised that I have already contacted the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding this matter and will continue to follow up with them to ensure proper investigation and enforcement.

If you fail to act accordingly and within the time allotted by federal law, I will pursue legal action for damages as outlined under the FCRA for your willful negligence and non-compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Reports show late payments, I was never late on any payments on the account.

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 2025-04-09 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: GA

Complaint narrative:
I dispute the following hard inquires on my credit report : XXXX XXXX with date of XX/XX/year>. XXXX  XXXX on XX/XX/year>. XXXX XXXX on XX/XX/year>. XXXX  on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Bank XXXX XXXX XXXX : XXXX Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Fraudulent Account ( s ) Due to Identity Theft Acct # XXXX To Whom It May Concern, I am writing to report that I am a victim of identity theft, and fraudulent activity has occurred under my name involving XXXX XXXX XXXXXXXX XXXX I did not open, authorize, or have any knowledge of the account ( s ) or transactions that have been reported under my identity. 

This fraudulent activity has damaged my banking history and is preventing me from opening a legitimate account. I request that XXXX XXXXXXXX XXXX thoroughly investigate the situation and remove any unauthorized accounts or transactions linked to my name or Social Security number. 

Please consider this letter a formal dispute and request for Full investigation into any account ( s ) opened fraudulently in my name. 
Removal of all fraudulent information from your records. 
Written confirmation that I am not responsible for these accounts. 
Notice to ChexSystems and any relevant reporting agencies to clear my name. I was incarcerated when this occurred

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 2025-04-09 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: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Attn : Fraud Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Fraudulent Account ( s ) Due to Identity Theft Acct # XXXX To Whom It May Concern, I am writing to report that I am a victim of identity theft, and fraudulent activity has occurred under my name involving XXXX XXXX  XXXX . I did not open, authorize, or have any knowledge of the account ( s ) or transactions that have been reported under my identity. 

This fraudulent activity has damaged my banking history and is preventing me from opening a legitimate account. I request that XXXX  XXXX XXXX thoroughly investigate the situation and remove any unauthorized accounts or transactions linked to my name or Social Security number. 

Please consider this letter a formal dispute and request for Full investigation into any account ( s ) opened fraudulently in my name. 
Removal of all fraudulent information from your records. 
Written confirmation that I am not responsible for these accounts. 
Notice to XXXX and any relevant reporting agencies to clear my name. I was XXXX  when this occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: PR

Complaint narrative:
Have been calling bank to obtain my money since XX/XX/year> only to be told my Money Market acct was closed, a check was mailed ( never received ) I am sure to my old address as they refuse to update my new address, although my new phone # was updated NO INFORMATION GIVEN! I have asked when I will get my hard earned money, I am asked to verify questions on my account and they proceed to ask additional questions. Each time speaking to XXXX customer service XXXX. among several others who say I will be called back from another Department ( Back Office ) but have not heard from anyone! 
Also a XXXX account expired ( XXXX ) months in XXXX and had been rolled over for XXXX months, without my consent, Never got a call about the Money Market check nor my CD being rolled over. Not a call, not a letter, not an E-mail. I have requested to speak to the CEO and XXXX XXXX but was told I can't speak to the head office. This is my money which I need immediately. I want ANSWERS. I was adding to my CD but due to this unpleasant experience I request to CANCEL my CD with NO PENALTY and to get my check for Money Market sent to my new address. I have been with Ally Bank for over XXXX somewhat years even purchasing a car with XXXX XXXX paying it off and getting a nice letter for paying off the car.

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 2025-04-09 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rauch-Milliken International, Inc.
State: MO

Complaint narrative:
I had a debt that I owe that was sent to Rauch-Milliken International Inc , and I have since paid this debt to the original creditor ( XXXX  ). I have received harassing voicemails from XXXX XXXX, calling me a " worthless human '' and a " XXXX  for not paying my debt. '' on calls after XXXX XXXX  and before XXXX XXXX. I have contacted her to tell her that I have paid it and have provided bank statements proving it. She is still contacting me, saying that i need to show " actual evidence '' and stating if i don't pay her by the end of this week she will take me to court and " ruin my life ''. She is not a good person and should be ashamed of her actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized 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 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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
My vehicle was totaled in a crash and my insurance paid the remains balance despite this the lender is saying I still owe XXXX I filed an insurance claim which was approved and paid in full Ive provided the lender with proof but they continue to say I owe them trying to collect a debt I dont owe and reporting it to my credit report this is causing damage to my credit and emotional distress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
The entries contain conflicting payment histories, inconsistent activity dates, and inaccurate delinquency notations. 

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), which requires all data furnished to credit bureaus to be accurate and complete. By reporting this account with conflicting data, your agency is allowing a false representation of my credit behavior that is actively damaging my credit score, reputation, and financial opportunities.

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