vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Finance does not disclose fee structure, it is nowhere to be found on their site, and phone agent verified that information is only available to them, so we must call. This is a basic lack of transparency and fundamental financial clarity. I was affected by natural disasters and lease payment ( a SINGLE one ) to Kia Finance was returned. I attempted to amend multiple times as soon I received noticed from my own financial institution, but Kia 's online payment system precluded me from making payments, and directed me to call and make payment by phone. The system would not allow me to enter an alternate payment option. The system did not provide at any point an option to understand the fee ( s ) I am being charged. On the phone, the only options to make a payment included {$7.00} fee with " agent 's help '' OR ~ {$4.00} with automated system. Opting for the cheaper, though still ludicrous option of paying {$4.00} for the ability to make a payment by entering my information into my phone to an automated system, I opted that. The call dropped every single time, in effect forcing me to make payment via live agent. I attempted to call their own system directly and it was not until I was entering my payment ( multiple times, again ) that the system would hang up after telling me they were closed ( does not make sense to take a call, allow you to enter all information. I have still not been able to make a payment.

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 2025-02-15 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shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information.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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FOUND AN INQUIRY ONB MY REPORT THAT I DON'T RECOGNIZE

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I pulled my Equifax credit report and noticed some hard inquires that I didn't authorized. I am wanting these inquiries to be deleted because I did not authorized these companies to run my credit, This is fraudulent. I have spoken to each company and they don't have no record of my name nor my social security number tied to these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
{$1300.00} MIDLAND CREDIT MANAGEMENT INC {$1800.00} MIDLAND CREDIT MANAGEMENT INC {$1900.00} XXXX XXXX XXXX I sent out disputes about inaccurate information, wrong address, and name spelled incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am writing to follow up on my previous requests for a letter of repossession. Despite my repeated attempts on XX/XX/year> and XX/XX/year>, I have yet to receive the necessary documentation to confirm the legitimacy of alleged debt. 

This delay is causing significant inconvenience and is unacceptable. I demand that you provide the letter of repossession immediately. Please consider this my final request before I escalate the matter to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and other relevant authorities. 

I expect to receive the requested documents within a reasonable timeframe. I have reason to believe that the collection of this debt is invalid or illegal to collect due to a violation of my rights as a consumer. Therefore, I am requesting immediate resolution of this matter. If I do not receive the required letter of repossession within 15 DAYS, I will report this issue to the XXXX XXXX XXXX XXXX XXXX XXXX for further investigation and to ensure my rights are protected. It is crucial that this situation is addressed promptly to avoid any further complications. Failure to comply will leave me no choice but to take further action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: OH

Complaint narrative:
It has come to my attention that i was a victim of the Equifax data breach and my information was leaked leading to identity theft and according to FCRA 605 ( b ) a provision under the Fair Credit Reporting Act ( FCRA ) that allows consumers to request the blocking of information on their credit report that is the result of identity theft. Under this section, a consumer can have fraudulent information removed from their credit report to prevent it from adversely affecting their credit score. And accordance with FCRA 605B15 U.S.C. 1681c-2 please block and delete the following accounts within 4 business days XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and the fraudulent card opened XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
I have sent in a dispute letter to have information provided that shows proof of debt and a contract. Have not received anything from the creditor reporting this debt.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I have sent in a dispute letter to have information provided that shows proof of debt and a contract. Have not received anything from the creditor reporting this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

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 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, as highlighted in administrative proceedings against them for similar violations. I request that Equifax complies with federal law and provides consumers with necessary proof of investigation. 
These are the accounts i mark as inaccurate : Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} - Account XXXX XXXX XXXX {$1300.00} - Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I got a phone call from someone who claimed to be attempting to serve me a court document. I advised I was not home ( I was at work ) and asked what it was in regard to. She advised me to call XXXX. I called and spoke to XXXX XXXX who advised I was being sued for an " attempt to defraud a financial institution ''.

I told her I thought it was probably a mistake. She said the client was HSBC but could not specify what credit line was in question, just that it was some line through HSBC and that the last activity on the debt was approaching ten years in length. She threatened to put a lien on my home and ruin my credit and embarrass me by attaching a wage garnishment with my employer if I didn't comply with a settlement before Monday.

I have no idea what credit line this is for? I know if I did default on a debt it had to be at least 15 years ago and that I'm fairly confident the statute of limitations has far since passed in Maryland. XXXX advised me that I'm being sued because I'm now a properly owner with credit in good standing, so I suppose they see a good target. Honestly, it feels like a social engineering tactic to stoke fear and get me to pay for something I don't even know if I owe or have any way of reasonably remembering. I did contact a financial law firm in Maryland and will likely pay them to communicate with this supposed " XXXX XXXX XXXX XXXX  ( when you look up their address it seems to be HSBC in California ) I gave her my email so she could send me some information on the matter ( they claimed to have sent me a letter in XXXX, but I don't recall seeing one ) - The XXXX file they sent me with the settlement offer for this extremely old, supposed credit default is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows

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 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: TX

Complaint narrative:
So since last year this company has not only contacted me at bad times and even contacted me while I was in a funeral but Ive told them countless amounts of times to stop contacting me that this repetitive behavior is unlawful and they still contact me and I need this XXXX stopped. I dont work I dont have a way to pay this supposed debt off so they need to stop this XXXX. 

They claim I have an account with them with an unknown address so idk what this scam XXXX is but it needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
Subject : Request to Block Fraudulent Information Due to Identity Theft Dear [ Collection Agency Name ], I am formally requesting the immediate blocking and removal of fraudulent information from my credit report due to identity theft. Prior to last week, I contacted multiple representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been fraudulently opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Corrections to My Credit Report Full Legal Name Please ensure that my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address that should be listed is : [ Insert Correct Address Here ] I can not receive mail or correspondence at any outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses. 
Phone Numbers Please delete all outdated phone numbers currently listed on my report. 
Social Security Number & Date of Birth For privacy reasons, please ensure that my Social Security number and date of birth are not displayed on my credit report. 
Employer Information Please remove all employer information currently listed on my report. 
Data Breach & Failure to Protect My Information I was impacted by a data breach with AT & T, which resulted in my personal information being compromised. As a direct consequence, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 
Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple federal laws, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 
Disputed Accounts & Inconsistencies I am formally disputing the following inaccuracies on my credit report, as they contain discrepancies among TransUnion, Experian, and Equifax. These inconsistencies indicate identity theft and/or reporting errors that require immediate investigation and correction.

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