vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: CO

Complaint narrative:
XXXX issues : First, I opened a capital one credit card and had 3 months to spend {$XXXX}. On a recorded line on XXXX different occasions with XXXX different agents, they verified that my spending date was until XX/XX/XXXX. I spent over {$XXXX} by that date. Once the date had passed, I did not see the XXXX miles that I was owed. I called and they said that I needed to spend it by XX/XX/XXXX. My final payment, putting me over my limit went through on XX/XX/XXXX. I have asked for them to review the conversations on recorded lines in which it was clearly stated that I had until the XXXX, otherwise, I would have made my final purchase prior to the date. It has been over 2 months since that call was placed and I was told weeks ago that there would be follow up, which there has not been. 

Additionally, the promotion states that it is {$XXXX} to open a card and you receive {$XXXX} with of travel credit in my account. I have not seen that either. WHen I called, I was then told that I will only receive the XXXX after I renew the card the following year for another {$XXXX}. I have spent at least XXXX hours on recorded lines with multiple supervisors and have gotten no where. I am, at this point, going to start seeking legal action for the sheer ethos of it alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
I am writing to formally express my concern regarding the continued harassment I have experienced through repeated phone calls and emails demanding payment from the University XXXX XXXX, despite my explicit request to cease such communication. This persistent contact, particularly after I asked not to be called or emailed, has caused significant distress and frustration.Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d and 15 U.S.C. 1692f, it is unlawful for debt collectors to engage in harassment or use unfair means to collect a debt. Additionally, 15 U.S.C. 1692c ( c ) clearly states that if a consumer requests in writing that communication cease, the collector must comply. By disregarding my request, your actions have violated my rights under this federal law.I ask that you immediately cease all communication regarding this matter, and I expect confirmation that no further harassment will occur. Additionally, I would appreciate it if this matter could be addressed fairly and without further violation of my consumer rights.

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I have multiple questions about my loans, XXXX, and my XXXX  application and can not get ahold of Mohela. I have sent them multiple messages and the responses are boilerplate responses that don't answer my questions. I have called multiple times in the past week and been on hold in excess of XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
Statement Requesting Investigation Under FCRA Provisions To Whom It May Concern, I am writing to formally dispute the accuracy of information reported by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This dispute is made in accordance with Section 605 and 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to challenge and seek the removal of inaccurate or fraudulent information from their credit reports. Additionally, I reference Section 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies conduct a reasonable investigation into disputes and provide consumers with the results of that investigation.

I request a detailed account of the methods used to handle my dispute regarding these accounts. Specifically, I would like to know : The steps taken to investigate the accuracy of the reported information.

The evidence or documentation reviewed during the investigation process.

The findings that led to the conclusion regarding the accuracy of these accounts.

It is essential for me to understand how these disputes were handled, as the accuracy of my credit report directly impacts my financial standing. I expect a prompt response in accordance with the timelines established under the FCRA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
Include dates, amounts, and actio

ns that were taken by you or the company. Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Experians Non-Compliance with FCRA and Failure to Properly Investigate Disputes Complaint Details : I am filing this complaint regarding Experians repeated failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to properly investigate disputes and delete inaccurate information.

15 U.S.C. 1681s-2 : Continued reporting of inaccurate information after being notified of disputes.

15 U.S.C. 1681c ( c ) : Failure to properly handle obsolete information. 

I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report, specifically concerning a closed account reported by XXXX XXXX ( Account XXXX : XXXX ) **. Despite providing clear documentation to support my dispute, Experian has failed to conduct a proper investigation, continues to report inaccurate information, and in some cases, has reinserted previously disputed items without proper notice, violating FCRA requirements. 

Additionally, my experience reflects the same issues highlighted in the recent CFPB lawsuit against Experian ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), where Experian was found to inadequately investigate disputes and improperly reinsert errors. 

Impact : The inaccurate reporting of this XXXX XXXX account has negatively affected my creditworthiness, limiting my access to credit, housing opportunities, and employment prospects.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My relationship was XXXX XXXX was great until they did not honor allocating my funds from XXXX XXXX. The date i purchased a flight on my XXXX XXXX Account checking/debit card. The consumer at the time XXXX XXXX XXXX was grounded therefore i was unable to board the plane and in result was told the airlines was going to refund. after continuously going back in forth with the airlines they never owned up to their promise, ending result forced me to open a dispute with my bank. XXXX XXXX took my dispute and honored it. ANd then later reversed it causing my account to be overdraft in and fees as well as later closing the account and ending our relationship. This was never my intent for this to happen and after several attempts of dialogue back and forth with the bank they never saw my side when the airlines refused to take ownership of the grounded planes in XXXX of XXXX  ( public records ). And thus being a MY BANK i WOULD expect them to fight for their consumer instead they mad eme be at fault which is injustice and I seek a complaint to get down to what is right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Recently I noticed Equifax deleted all the unrecognizable inquiries reporting but later on added the same inquiries that was deleted. I am demanding for all the inquiries and account name-XXXX  credit account number XXXX  be deleted from my consumer report immediate within 4 days of this notice according Section 605 B. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Over the course of the past month I have been harassed and berated by southwest credit systems for account XXXX in the amount of {$XXXX}. Southwest credit systems would not verify where the debt originally came from, would not show proof of debt, and went as far to say that if I did not pay them the sheriffs office would come to my door with a warrant for my arrest. After disputing the credit reporting with XXXX they have done nothing. I request immediate investigation and removal of these items as they are incorrect and do not reflect my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a letter to provide additional identification even though I have provided my Driver Lic. copy of my social security card and a utility bill with my name and address. It appears they are slow walking my complaint because I submit the same docs every time I dispute and when I asked them to send me how they verified my incorrect information they ask me for additional 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a letter to provide additional identification even though I have provided my Driver Lic. copy of my social security card and a utility bill with my name and address. It appears they are slow walking my complaint because I submit the same docs every time I dispute and when I asked them to send me how they verified my incorrect information they ask me for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit reports maintained by Experian , TransUnion , and Equifax . The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and rectify errors promptly. 

XXXX XXXX XXXX Inconsistencies Identified : XXXX. **Account Status** : - All three bureaus report the account status as **Open**, while my records indicate this account should be **Closed**. 

2. **Payment Status** : - TransUnion indicates a **payment status** of **60 days past due**, whereas Experian states it is **30 days past due**. This discrepancy violates FCRA 607, which mandates maximum accuracy in reporting.

3. **Balance Reporting** : - The balance reported as XXXX XXXX XXXX by all agencies is inconsistent with the payment history and overall account management. This is unacceptable under FCRA requirements for accuracy. 

XXXX. **Last Reported Dates** : - The **last reported dates** are inconsistent across the bureaus, further complicating the accuracy of my credit profile. 

Furthermore, I am aware of the recent data breach that affected these credit reporting agencies, compromising sensitive consumer information. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach raises significant concerns regarding the integrity of the information being reported. 

Given these violations, I demand that XXXX XXXX XXXX be removed from my credit report immediately. If these inaccuracies are not corrected within the legally mandated time frame, I will pursue further legal actions, including seeking damages for the harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: ME

Complaint narrative:
Hello, Im writing this to hopefully get some help in resolving this issue. I opened up a personal line of credit with Key bank During the application I was told by the XXXX that they had a process in the bank with the line of credit that if I wanted to add a authorized user then I could and I would have to approve or deny it being used by the authorized user it sounded like a safe deal so I said yes.

Somehow key bank allowed the authorized user to have full access to my personal line of credit without being notified or approving and put him as head of my personal line of credit and me as a guarantor, I went to the local branch and the branch manager alerted me of it and agreed it was wrong. 

She opened up an escalation case within the bank in XXXX, I waited patiently for a response and received nothing for Over a month. I emailed the bank again 3 more times before I had to call the XXXX branch to get in touch with XXXX in XXXX. After speaking XXXX XXXX she tried to point the finger else where and implying someone else in the bank may have been in charge of the line of credit.

So now I have money spent on my line of credit by the authorized user for his own personal benefit ( personal truck, food trailers and who knows what else ) not in my name or the business name and not for the business as intended if needed or approved by myself.

This has been over three months of dealing with the local branch with no real resolution or response. Ive asked many times for the paperwork of who signed him as head of my line of credit. I have emails from the bank as proof from one of the local branch managers.

Any help would greatly appreciated. Someone needs to be held accountable.

Company response to consumer: Closed with explanation