vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Chrysler Capital sent a tow truck to steal my automobile I had XXXX XXXX dollar worth of securities of certificate of indebtedness and marketable securities I sent them a cease and desist in XXXX with a debt validation letter to prove I owed a debt .. in XXXX of XXXX a tow truck came and stole my automobile that I came outside and locked and I put the emergency break on and locked the door because I herd the horn go off.. I filed a XXXX XXXX showing I had no debt to the tow company and they still sold automobile to XXXX XXXX without my consent!!! I gave my automobile to a business and they put a lien on the automobile. I would like to take legal action against all parties involved!!! And XXXX XXXX dollars for stealing my securities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MI

Complaint narrative:
I've been living my entired life in Michigan and never had an issue with credit reporting or id theft, I've got a notification from National Public Data In a significant breach, the hacking group USDoD claimed to have stolen personal records, including Social Security numbers, and ever since I've been getting so many hard inquiries in my credit report, I've only got my mortgage and a couple of cards XXXX from XXXX XXXX  and XXXX from XXXX XXXX, you can easily tell by reviewing my credit history, I went to XXXX to report that they gave me instruction to call the major credit reporting companies which I did but nothing happened, and I am still dragging a bunch of inquiries and they keep popping up now and then. Is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've been living my entired life in Michigan and never had an issue with credit reporting or id theft, I've got a notification from National Public Data In a significant breach, the hacking group USDoD claimed to have stolen personal records, including Social Security numbers, and ever since I've been getting so many hard inquiries in my credit report, I've only got my mortgage and a couple of cards XXXX from XXXX XXXX  and XXXX from XXXX XXXX, you can easily tell by reviewing my credit history, I went to XXXX to report that they gave me instruction to call the major credit reporting companies which I did but nothing happened, and I am still dragging a bunch of inquiries and they keep popping up now and then. Is not fair.

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 2025-02-14 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 formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ATTN : Midland Credit Management XX/XX/XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation To whom this may concern, I am writing to formally dispute the debt referenced by the account number [ XXXX ], which your agency is currently attempting to collect. I believe this information is inaccurate and must be corrected. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of the debt. Specifically, I ask that you supply a copy of the signed contract or agreement. Please include a copy of my signature, as I have no recollection of agreeing to such terms or entering into any agreement with your agency. I have already requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : Midland Credit Management-XXXX XXXX  Account Number : XXXX Amount : {$380.00} I request a thorough investigation of this account and a correction of the information on my credit report.

Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account.

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA.

It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
My Account should never been frozen. 
{$20.00} was the XXXX I could overdraw. 
I had overdraft protection. 
I was told when my account was above XXXX it would immediately be unlocked. 
My account was not unfrozen when Deposit of {$23.00} went through on XX/XX/XXXX Account still unfrozen when deposit of {$50.00} went through on XX/XX/XXXX please help unfreeze my account so I can resume normal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: VA

Complaint narrative:
Repeated calls, mail, reporting to credit agencies. I did not agree to have my information given to third party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
On my credit reports from Equifax- there are two inquiries that arent related to my credit by the name of : XXXX XXXX XXXX saying I applied on XX/XX/XXXX. There number is XXXX XXXX XXXX and address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX which Ive called without success in removing this item because it doesnt belong to me. 
Also another inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There number is XXXX XXXX XXXX and address of XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
On my XXXX report XXXX XXXX XXXX XXXXXXXX of XX/XX/XXXX. - I never applied or gave this company permission to run my credit. 
XXXX XXXX XXXX XXXX XXXX of XX/XX/XXXX - I have a checking and savings account with this company but never applied for any credit or loan of any kind. 
I would like help in the removal from my credit 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 explanation
Consumer complaint received 2025-02-14 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal submitted two ACH Withdrawals from my XXXX account without my permission. Totaling {$480.00} which may cause an overdraft to my XXXX 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 2025-02-14 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: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Complaint Regarding FCRA and FDCPA Violations by Capital One Bank and duplicate Reporting I am writing to file a formal complaint against Capital One Bank for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, XXXX XXXX  has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my credit score.

Details of Violations : 1. Re-aging of Accounts Capital One Bank has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
1. CAPITAL ONE / XXXX ACCOUNT # : XXXX a. STATUS DATE : XXXX XXXX LAST UPDAATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX  instances 2. CAPITAL ONE - ACCOUNT # XXXX a. STATUS DATE : XX/XX/XXXX LAST UPDAATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XXXX XXXX XXXX  instances 3. CAPITAL ONE - ACCOUNT # XXXX LISTED 2 TIMES ON CREDIT FILE WITH DIFFERENT AMOUNTS on XXXX Report a. STATUS DATE : XX/XX/XXXX LAST UPDAATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX XXXX XXXX Damage to Credit Score : Due to the repeated re-aging of these accounts, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit.

3. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$47000.00}.

4. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with XXXX XXXX, the accounts continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
My investor on my home mortgage is Bank of New York - Mellon. My mortgage serviced is XXXX XXXX services. I got behind on my mortgage 13 months ago when my husband was diagnosed as XXXX XXXX I have asked, begged and pleaded with both companies to help me keep my home out of foreclosure. I have asked for a 6 month repayment which has been repeatedly denied. I have emailed Bank of New York- Mellon and have gotten no response. I am only asking for a 6 month repayment plan. XXXX gave me a 3 month repayment plan with a down payment of XXXX and XXXX  a month, I cant do the down payment I dont have this kind of money. But I have XXXX for down payment and would need a 6 month repayment plan. I was told no because I am in active foreclosure which has been on hold for a year. I just want affordable repayment plan. My husband is XXXX XXXX  and is in XXXX XXXX XXXX  I can make payments, I just need help catching up my back payments. It seems like my investor just wants my house, they will not help me. I am just asking for an exception to there 3 month only repayment policy and begging and pleading for a 6 month repayment plan.

Company response to consumer: Closed with explanation