vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Capital One Claims Department, I am formally requesting the reopening of my claim and have attached the necessary documentation proving that the entire transaction was mishandled. The business in question improperly retained my {$3000.00} deposit and charged two application fees instead of one. One of those fees was for my XXXX daughter, who has been declared legally incompetent by the State of XXXX  meaning she can not legally enter into binding contracts. This charge was unlawful. 

The business ignored my attempts to contact them for three weeks, which led me to dispute the transaction with my bank. I successfully recovered my {$3000.00}, but my {$310.00} dispute was left unresolved. After learning of my bank dispute, the business sent me the letter attached, further proving their mishandling of this situation. 

As a result of this unresolved claim, Capital One has frozen over {$7300.00} of my funds, including my legally returned {$3000.00}. This action has placed me in a financial crisis, preventing me from making essential payments : My vehicle is at risk of repossession due to a reversed payment caused by my frozen account. 
I am unable to pay my rent, which has been due since the XXXX. 
I can not buy gas or food for my XXXX children. 

This situation is unacceptable, and I demand immediate action. I expect my funds to be fully released within 24 hours, except for the {$310.00} under investigation. If my funds are not released, I will escalate this matter by filing formal complaints with : XXXX XXXX XXXX XXXX  The Attorney Generals Office Capital One Corporate Headquarters Given my circumstances, including the fact that my family was already severely impacted by Hurricanes Milton and Helene, I find it appalling that Capital One would freeze my funds over a {$310.00} claim, especially after I have provided all necessary documentation today since I for some reason never received a request asking for more information. 

I urge you to take immediate action to correct this injustice and release my funds. Please confirm receipt of this email and provide an update without delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have received letters of credit card debt collectors threatening to sue me for old balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-20 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:
Transunion is reporting inaccurate and non-verifiable information on my credit report. Despite my formal disputes, Transunion has failed to provide verifiable proof of the reported information or remove it, which violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ].

Details of the Complaint : 1. Failure to Remove Non-Verifiable Information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if Transunion can not verify disputed information within 30 days, it is legally required to delete the information from my report. 
I submitted several disputes regarding [ XXXXXXXX XXXX # XXXX ], and Transunion has either failed to investigate properly or has continued to report unverifiable information. 
XXXX. Failure to Conduct a Proper Investigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires Transunion to conduct a reasonable reinvestigation of disputed credit information.

Instead of providing proof of verification, Transunion has continued to report incorrect information, harming my credit.

3. Failure to Provide Adequate Documentation Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion must provide me with the name, address, and contact information of any data furnisher that allegedly verified the disputed information.

Transunion has failed to provide this required documentation, meaning the disputed information is unverifiable and must be deleted.

This ongoing issue is negatively impacting my financial standing, and I urge the CFPB to intervene to ensure compliance with federal law.

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 2025-02-20 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: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  I XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$530.00} 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MD

Complaint narrative:
The reason for my complaint is that I tried to pay my car note on XX/XX/year>. The current amount owed is {$620.00}. The accounting in their back office as the documents will show would not let me pay online. The required payment that they are requesting is {$2100.00} and is inaccurate and would reflect the entire balance of the loan.

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 2025-02-20 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: FL

Complaint narrative:
I am writing to formally notify you that the following inquiries do not belong to me, XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281sw715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I got two letters stating that a debt collector was attempting to collect a debt. The letters were sent nearly 3-4 months after the supposed debt was bought by XXXX XXXX XXXX XXXX I sent a debt validation for both letters requesting information to verify the debt and that it was owed to this company that has purchased the debt. I asked for information such as accounts, dates it was purchased and a bill of sale or receipt of the amount the debt collector paid for the original creditor of the debt. I asked that under the Fair Debt Collection Practices Act that nothing be reported to the three major Credit Bureaus that could affect my credit score until the information I asked for was received and that I have time to investigate the claims and verify the information. I only received copies of credit card statements, no receipts or bill of sale. I sent another two letters stating that the information that I was legally allowed to ask for was not sent and asked that they send the information I requested under the FDCPA, and if they could not send the information to send a description of why the information could not be provided and instead of sending me any further communication and without sending the information I requested, they reported the amount, which WAS NOT VERIFIED, to the XXXX Credit Bureau, completely violating my right to the correct information under the Fair Debt Collection Practices Act. Ive only received two letters from XXXX XXXX XXXX, disputed both, and did not receive any further response or verification. The amount reported for either account is not the correct amount reported to XXXX and it says the debt was disputed so its either one of the two accounts they sent debt collection letters for and provided the incorrect information to XXXX. So theyve provided false information on top of violating my rights under the FDCPA by not proving the information I requested before reporting it to a major credit bureau.

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 2025-02-20 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: FL

Complaint narrative:
I am writing to formally file a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681e ( b ) ( Accuracy of Credit Reports ).

I have previously disputed inaccurate information regarding an account with XXXX XXXX XXXX that is being reported on my credit file by TransUnion. Despite providing supporting documentation to prove that this information is incorrect, TransUnion has failed to properly investigate and remove the inaccurate reporting. Furthermore, this account is not being reported by the other two major credit bureaus, further demonstrating its inaccuracy.

This erroneous account is negatively impacting my credit score and my ability to obtain financial opportunities. Under the FCRA, TransUnion is required to ensure maximum possible accuracy in credit reporting and to conduct reasonable reinvestigations when consumers dispute inaccuracies. TransUnions failure to correct this error is in direct violation of federal law. 

I am requesting the immediate removal of the XXXX XXXX XXXX account from my TransUnion credit report and a written response confirming the correction. If this matter is not resolved promptly, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Please consider this letter as a formal demand for compliance with the FCRA. I expect a response within 30 days, as required by law.

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 2025-02-20 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: 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 2025-02-20 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: OH

Complaint narrative:
I have been a victim of identity theft, through the XXXX Equifax data breach and the XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. The collections accounts were sold by the original creditor, with whom I had an obligation. I do not have any validation or contractual obligation with the collections companies, so I need these removed from my credit reports immediately, or I will pursue legal action. Also, the old negative accounts and all of the inquiries should be removed as well. These are all hurting my chances at buying a home by the end of the year

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 2025-02-20 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: OH

Complaint narrative:
I have been a victim of identity theft, through the XXXX Equifax data breach and the XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. The collections accounts were sold by the original creditor, with whom I had an obligation. I do not have any validation or contractual obligation with the collections companies, so I need these removed from my credit reports immediately, or I will pursue legal action. Also, the old negative accounts and all of the inquiries should be removed as well. These are all hurting my chances at buying a home by the end of the year

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 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX XXXX/XXXX/1025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Following Loan Forgiveness Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate information on my credit reports maintained by XXXX, XXXX, and TransUnion. Despite providing all three credit bureaus with documentation that my loans were forgiven, this information has not been accurately reflected on my credit reports, negatively impacting my credit score. 

I have contacted the credit bureaus directly, submitted a dispute with supporting documentation, and allowed the legally required 30-day period for an investigation and correction under the Fair Credit Reporting Act ( FCRA ). However, my reports still show the incorrect loan status, which is not only inaccurate but also a violation of my consumer rights under the FCRA. 

The inaccurate reporting is causing significant harm to my financial well-being, including but not limited to : Lowering my credit score. 
Hindering my access to fair credit opportunities. 
Causing undue stress and financial instability. 

I am requesting the CFPB to intervene and assist in ensuring that my credit reports are promptly updated to reflect the correct informationspecifically, that the forgiven loans show a {$0.00} balance or are removed as appropriate. I am also seeking confirmation of the corrective actions taken by the credit bureaus and the creditors involved. 

Enclosed are copies of : The loan forgiveness documentation. 
Correspondence with the credit bureaus. 
Dispute submissions and responses received ( if any ). 

Thank you for your attention to this matter. I look forward to a swift resolution to correct my credit reports and protect my consumer rights. 

Sincerely, XXXX XXXX [ Phone Number : 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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: AL

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report, as it is fraudulent and does not belong to me. The account in question is : Creditor : XXXX XXXX XXXX XXXX : {$1700.00} I have never opened an account with XXXX or XXXX XXXX XXXX, and I believe this account was opened fraudulently. I request that this account be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). 

Attached are copies of my identification and a report showing the fraudulent account. If needed, I can provide further information. 

I am a victim of identity theft. 

Thank you for your prompt attention to this matter. Please respond to my request at your earliest convenience. 

Sincerely, 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