vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received an email XX/XX/XXXX from Capital One shopping involving a promotion in store that if I used my card ( XXXX ) in store before XX/XX/XXXX they would provide a XXXX miles on purchases made in store, I activated the offer and went into XXXX XXXX  XXXX XXXX on the XXXX of XXXX which I spent {$440.00} to do my taxes I used my ( XXXX ) card as specified and by those terms I should have received XXXX miles, they changed the promotion the next day and only gave me XXXX miles with a {$20.00} statement credit after I called and complained. I had XXXX customer service representative lie directly to my face and saying they would honor the promotion and give me the XXXX points and that it would take a few days, they did not honor this and only gave me an additional XXXX mile on top of XXXX. I have the direct email from them stating the promotion that they are now back tracking and not honoring this is False advertising and fooled me into using a credit card when I could have just used cash for the purchase I'm debating on involving my lawyer on the matter as this is point blank obvious with emails of the activation for the promotion and the transaction date for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: KS

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX instructed his team of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal government systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among the dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TN

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN. XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear Experian, Equifax, XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into the accuracies as required by federal law. 
Recently, the consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : - Conducting inadequate investigations that fail to address consumer disputes properly. 
- Reinserting previously disputed and inaccurate information without explanation. 
- Failing to notify consumers about investigations results effectively

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX  is reporting late payments to a closed account, also they are reporting different amounts owed on all bureaus and late payments /amounts because of this incorrect reporting I was denied credit, and under the fair credit reporting acting, there must be accurate information..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-03-15 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-03-15 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

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

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

Company 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 2025-03-15 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: Rent Recovery Solutions
State: GA

Complaint narrative:
I attempted to dispute the following items for fraud. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX Ga I am unaware of those collections on my account and not sure of where they came from. The credit bureaus did not investigate those disputes. I received a response before XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX This information does not belong to me and appears to result from identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CT

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> I opened my CapitalOne app to make a payment on both of my credit cards. Displayed was, This account is restricted. I continued to make {$100.00} payment on my XXXX card and {$85.00} on my XXXX card. I then checked my email to see if CapitalOne emailed me about this restriction, and I noticed I did not receive an email regarding account closures, restrictions, or being in jeopardy of having my account closed. 

I investigated further and found a document under Statements and Documents with todays date, XX/XX/year>, that my account is closed due to activity, inconsistent with typical customer account usage. the letter then directs me to, stop using account immediately and destroy any cards The verbiage used in this letter did not clarify, make mention or state that my account was being closed due to returned payments, nor was there any other letters under that tab that was previously sent explaining my standing with CapitalOne. 

I called CapitalOne immediately and explained I havent reported any fraud ( thinking this was why my account was being closed since the subject line read : XXXX XXXX ) and the gentleman, XXXX, places me on hold before reading the letter verbatim. I let XXXX know I saw the letter I want to know why this is the case. XXXX explains I had ( XXXX ) payments returned on my venture card, which led to the account closure. XXXX placed me on hold while XXXX assuming attempting to reinstate my account, but he shares he cant and once the account is closed, thats it. I explained this was a complete shock given my long history as a customer of CapitalOne. I asked to be forwarded to a supervisor who could better assist. 

My called was forwarded to XXXX who essentially reiterated what XXXX has said. XXXX tells me these decisions are made with careful consideration. When asked what factors are looked at/taken into consideration, she states she doesnt know the answer to that as these decisions are made by those in the background. I explained to XXXX I have been a XXXX customer for over 5 years ( this account was also now closed even though it did not have any returned payments ), ive financed XXXX vehicles through CapitalOne and have always been in good standing making payments on time each month. I explained the last couple of months have been a bit of a struggle, but if I knew my accounts were in jeopardy of closing, I wouldve borrowed money from family to pay instead of waiting until payday ( today ) to make a payment. She suggested that I call back a week from today, XX/XX/year>, after the payments have processed to see if the decision can be reversed. She also said she will add a note to my account to have my call be forward to a XXXX team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone took my phone and spent XXXX dollars on my account so when I got another phone I disputed the unauthorized transactions now because I don't have a id to confirm my identity they shut my venmo down and refuse to let me get my money after they refunded me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX RETREAT CT XXXX XXXX XXXX, MD XXXX ACCOUNT ( XXXX ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EXPERIAN XXXX XXXXXXXX ( IXXXX XXXX  & XXXX XXXX EXPERIAN VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE ( FRAUD ACCOUNTS ) BECAUSE OF XXXX XXXX XXXX XXXXXXXX - XXXX,. *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. IN FEDERAL COURT UNDER THE FCRA. REMOVE THESE FRAUDULENT ACCOUNTS IMMEDIATELYA! I HAVE SENT ALL THE EVIDENCE THAT THESE ACCOUNTS DO NOT BELONG TO ME. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX XXXX XXXX THE POLICE REPORT # : XXXX I DEMAND This ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .It does not belong to me. Delete & BLock immediately! 

Collection Account XXXX : XXXX XXXXXXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, 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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: ND

Complaint narrative:
the XXXX has turned a blind eye to more than XXXX complaints and a XXXX star rating They will freeze your card and no matter how many times you call them ( over 20 times for me ) they will say from a list of excuses from the issue did it to " used it more than once to try and purchase " I had them on the phone with me after the 15th time of them " guaranteed '' problem is fixed.. ran it and it didn't work yet again, they told me to swipe and then use chip. Needless to say they then froze my card again and said it was due to being flagged as suspicious, my XXXX attempted charge that they walked me through for get this, " multiple attempts " when I tell them it's not multiple attempts it did it on the very first try they just reread off their paper well this is just the information I have is because it was flag suspicious for multiple blah blah blah I don't have the exact dates as that's hard to get from them on my statements I just got it but I just got it and all these complaints are from the XXXX of XXXX to today they've told me it's been unfrozen several times in the very first time I go to use it again it says I can't do it or it's denied or whatever excuse they have and every time I call them they guarantee it's fixed and it never is it's embarrassing to keep going out XXXX XXXX XXXX times for the same result they are incapable of fixing this issue and they should be in breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on 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 non-monetary relief
Consumer complaint received 2025-03-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief