vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
Complaint Against Valor Intelligent Processing for Continued Harassment Despite Acknowledgment of Incorrect Contact Complaint Summary : I am filing a formal complaint against Valor Intelligent Processing for repeatedly contacting me over the past 6 months, despite their acknowledgment that I am not the individual they are seeking. Over this period, I have received more than XXXX phone calls and SMS messages, despite my clear and repeated requests for them to stop. Their ongoing actions have caused significant distress and frustration. 

Details of the Complaint : For at least the past 6 months, I have informed Valor Intelligent Processing on multiple occasions that I am not the person they are trying to reach and that I have no connection to the account or debt they are attempting to resolve. Each time, they acknowledged the mistake and confirmed that I was not the individual they were seeking. However, despite this acknowledgment, I have continued to receive more than XXXX phone calls and SMS messages. 

I have explicitly requested that they stop contacting me, yet the harassment has continued. This behavior not only violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) but has also caused me undue stress and frustration over the past several months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
XXXX is impoperly reporting my credit wrong.Some of the old accounts should be deleted and its still on there after several years. 

Transunion is reporting my credit wrong.Once I paid some debt it should of went up.I think this is a sham. 
XXXX has my information wrong.Wrong person information.I believe someone stole my information.None of it is correct.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is impoperly reporting my credit wrong.Some of the old accounts should be deleted and its still on there after several years. 

XXXX is reporting my credit wrong.Once I paid some debt it should of went up.I think this is a sham. 
Experian has my information wrong.Wrong person information.I believe someone stole my information.None of it is correct.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Received a letter today from Capital One saying they finished the investigation and that they aren't doing anything about the " return '' payment. 
I don't know how they can say that when I literally had one of their supervisors call my bank directly and find out from them that the payment wasn't returned and was in fact sent to Capital One. The money I paid to them on XX/XX/XXXX ( hard posted from my account on XX/XX/XXXX ) has never been returned to my bank account. So now I am just out of my money. 
I have attached my statement to show the payment was processed. I also sent this to Capital One. I would be happy to send more statements if needed. You will see the money go out but not come back in. 
I will let them have full access to my bank account, anything. I made that payment. 
They also are changing the reason they closed my account. They are now saying it's for fraud. 
There is no fraud, there is not a return payment for the {$39.00} They are scamming me and trying to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I am writing to formally dispute an item on my credit report ( or account/transaction ) under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( o ) concerning negligent noncompliance. 
Upon review of my records, I have found discrepancies which I believe to be in violation of the FCRA. It is my understanding that under 15 U.S.C. 1681 ( o ), any party failing to comply with the requirements set forth by the FCRA may be subject to civil liability due to negligent noncompliance. I request that you investigate this matter promptly and correct the inaccuracies or omissions. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and respond within the statutory time period. 

Please confirm receipt of this letter and provide a written response detailing the actions you will take to resolve this issue. I look forward to your timely and effective resolution of 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 2025-01-28 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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 2025-01-28 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: GA

Complaint narrative:
XXXX account was back in 2020 and should not be reporting on my credit report by XXXX. XXXX and TransUnion is still reporting this account. They stating they are performing investigations and they are not. If XXXX and TransUnion are doing a true verification then they know this account should not be reporting on my credit file. I want this account removed immediately. XXXX and TransUnion please provide me with proof of verification. I want to know who verified. So I can take XXXX to court if they saying this is a valid account and they own this account. I am giving XXXX and TransUnion 4 days to get this rectified.

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 2025-01-28 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: GA

Complaint narrative:
XXXX account was back in 2020 and should not be reporting on my credit report by XXXX. Experian and XXXX is still reporting this account. They stating they are performing investigations and they are not. If Experian and XXXX are doing a true verification then they know this account should not be reporting on my credit file. I want this account removed immediately. Experian and XXXX please provide me with proof of verification. I want to know who verified. So I can take XXXX to court if they saying this is a valid account and they own this account. I am giving Experian and XXXX 4 days to get this rectified.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e** Dear Equifax , I am writing to formally dispute the accuracy of information contained in my credit report. As a consumer who values financial responsibility, I am deeply concerned about the derogatory entries that have been reported by your bureau. It has come to my attention that these entries are in direct violation of the Metro 2 Compliance guidelines, which are designed to ensure fairness and accuracy in credit reporting. 
I have thoroughly reviewed my credit report, which I obtained from your bureau .To my dismay, I discovered several inaccurate and misleading items that are tarnishing my creditworthiness. The following accounts are specifically in dispute : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Furthermore, inaccurate or unverifiable information must be promptly corrected or deleted from my credit report. 
I demand that you immediately initiate an investigation into the following accounts and take the necessary steps to rectify the inaccuracies. Failure to comply with the Metro 2 Compliance guidelines will be viewed as a violation of my rights as a consumer, and I am prepared to take all necessary legal actions to protect my interests. 
In addition to requesting the removal of the inaccuracies, I also request that you provide me with WRITTEN documentation of the investigation results, including any supporting evidence or documents that were relied upon during the verification process. 
Please be aware that I am well-versed in my rights under the FCRA and will not hesitate to escalate this matter if necessary. I value the importance of accurate credit reporting, and I expect nothing less from your bureau. 
I have also included a complaint with the Fair Trade Commission to further support my claim with the creditors in question. 
I kindly request that you acknowledge receipt of this dispute letter within 15 days of its delivery. 
Furthermore, I expect a timely and thorough investigation to be conducted in compliance with the FCRA and Metro 2 guidelines. 
Thank you for your immediate attention to this matter. I trust that you will rectify the inaccuracies promptly and restore the integrity of my credit report. Failure to comply with my demands will leave me with no choice but to seek legal remedies to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
Equifax has failed after over numerous attempts of sending a certified letter with my driver 's license and other info asked and filing complaints with the CFPB my personal information is still being reported incorrectly. Equifax has failed to fulfill its obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report. Therefore, leaving inaccurate or unverifiable accounts unresolved. My personal information was compromised in the 2017 Equifax data breach that affected XXXX XXXX people. The personal information on the credit report does not belong to me. Again, I have certified receipts of me sending this information to Equifax multiple times and the complaints on CFPB. This has caused me damages, tarnished credit report, many hardships, credit denial for credit, housing and employment just to name some. I know once Equifax responds, this case will be closed. I am seeking legal counsel at this time!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-28 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: VA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-28 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-28 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
I'm writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees due to lagged postings of charges and credits This issue aligns with the recent findings of CFPB. Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe this practice is unfair and request aninvestigation into my accounts transactions. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Investigation took less then 24 hrs without explanation how they found the issue in less then 24 hours

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I contacted the company about my amount past due. I owe a little over {$3000.00} and my amount past due is around {$500.00} because I am a few months behind. They provided only one payment plan that does not work for my financial situation. They are asking for too large of an amount of a minimum payment. They mentioned that is all they can do and they will continue charging me interest and late fees even though my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief