vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST PORTFOLIO SERVICING INC
State: NM

Complaint narrative:
In XXXX of 2024, I applied for a credit card with the company Revvi. I was advised that I was approved and needed to be the {$95.00} program fee before the card could be sent out.. I paid the fee and received a message that the card was being sent out. I never received the card and called the company advising them of this. My old address was put in which was originally the reason for not receiving the card. I was told at this time I would need to fax them a proof of address because my account had not been open long enough. I was also informed during this time that I could wait passed the timeframe and then request a new card be sent out, which is what I choose to do instead of having to fax a proof of address change over. I called back again in XXXX inquiring about changing my address again, it was escalated to a supervisor who advised me at this point that I would receive a letter ensuring that I could receive mail at my new address. Never received the letter nor the card. I called again in XXXX and again was ensured it was being sent out. I have called at least once a month since being approved for the card inquiring when the card will actually arrive, again being told they will send out one, still nothing. Revvi has no issues sending me threatening letters of closing my account due to non-payment for a annual fee on a card I dont even have. I have also received a auto payment form, but again no card even after being told numerous times its being sent out. I am concerned about my credit being affected by this along with losing the {$95.00} program fee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, & Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, & Transunion inaction violates federal law and my rights 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 2025-02-06 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, & Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, & Transunion inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-06 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Portfolio Recovery Associates Dear Experian Dispute Department , I am writing to formally dispute an inaccuracy on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Payment History Reporting ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The report states that the account was opened in XX/XX/XXXX but also claims the account was already in collection as of XX/XX/XXXX. 
If the account was only opened in XX/XX/XXXX, it is impossible for it to have accumulated multiple months of delinquency and collections by XX/XX/XXXX. 
This misrepresentation creates an inaccurate negative impact on my credit score, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting credit information.

Improper Reporting of Account Delinquency ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity each month as if payments were actively being missed. 
If no new payments were due after the charge-off, this reporting is inaccurate and misleading, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report accounts with accurate information.

Failure to Provide Accurate Account Terms ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is listed as having a 1-month term, yet it is reported as delinquent over multiple months. 
If this is a closed collection account, the reporting should reflect only the original delinquency date, not ongoing late payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure all reported credit information is accurate and up to date. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear XXXX Dispute Department XXXX XXXX am writing to formally dispute an inaccuracy on my credit report under XX/XX/XXXXXXXX ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Payment History Reporting ( XXXX XXXX XXXX ( a ) Prohibited Misrepresentations ) The report states that the account was opened in XX/XX/XXXX but also claims the account was already in collection as of XX/XX/XXXX. 
If the account was only opened in XX/XX/XXXX, it is impossible for it to have accumulated multiple months of delinquency and collections by XX/XX/XXXX. 
This misrepresentation creates an inaccurate negative impact on my credit score, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting credit information.

Improper Reporting of Account Delinquency ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity each month as if payments were actively being missed. 
If no new payments were due after the charge-off, this reporting is inaccurate and misleading, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report accounts with accurate information.

Failure to Provide Accurate Account Terms ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is listed as having a 1-month term, yet it is reported as delinquent over multiple months.

If this is a closed collection account, the reporting should reflect only the original delinquency date, not ongoing late payments.

This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure all reported credit information is accurate and up to date. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$7600.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$300.00} Other Identity Theft Company or Organization : the company Fraudulent Online Shopping or Payment Account Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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 ( XXXX XXXX XXXX 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. 

These are the account I have disputed as inaccurate reporting ; XXXXXXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 

XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 

XXXXXXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 

XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$22000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$67.00}. The original creditor is XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
A total of XXXX $ was taken from my chime checking account and was transferred to an unknown account. I have made a dispute and was denied for no reason this was all the money in my account and I need to take this further to seek compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This company XXXX XXXX XXXX on my credit has not yet to respond to the request I asked for regarding the paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Capital One regarding their handling of credit card reward offers. I have experienced two separate incidents in the XXXX month where I fulfilled the terms of promotional offers, received the promised miles, and then had those miles clawed back without justification. 

I accepted these offers in good faith, believing that Capital One would honor the advertised terms. Unfortunately, despite completing the required activities, Capital One retroactively revoked the rewards. I do not have screenshots of the original offers, but as a consumer, I should not be expected to anticipate deceptive practices and document proof beyond my adherence to the offer conditions. 

This practice is unfair, misleading, and undermines trust in Capital Ones marketing of reward programs. It amounts to a bait-and-switch tactic that causes financial and emotional frustration. 

I respectfully request that the CFPB investigate Capital Ones reward practices to ensure they are transparent and fair. Additionally, I would like assistance in having the miles that were unfairly taken restored to my account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 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: OH

Complaint narrative:
Ive Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-06 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: OH

Complaint narrative:
Ive Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I obtained an auto loan through Navy Federal Credit Union to purchase a vehicle from a private seller. Despite multiple attempts over XXXX years, I have never received the title to the vehicle. The seller has continuously misled me, and I have been unable to secure legal ownership. 

Additionally, the vehicle was involved in an accident and taken to a body shop recommended by the seller. Since XX/XX/2023, I have not had possession of the vehicle. Despite this, my loan was converted into a personal loan, and I have been required to continue making payments for a car I have never legally owned or possessed for nearly a year. 

I have contacted Navy Federal Credit Union multiple times requesting assistance and resolution regarding the missing title and my financial obligation under these unfair circumstances, but no satisfactory resolution has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: SC

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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. 
XXXX ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 went to many court dates and finally had the case dismissed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice Of Voluntary Dismissal against XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This company XXXX XXXX XXXX on my credit has not yet to respond to the request I asked for regarding the paperwork.

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