vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-02-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Hard Inquiries Information on My Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate information reported on my credit file, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am contesting the listing of the several hard inquiries on my credit report that I assert I did not give permission. 

Details of Dispute : Disputed Information : Hard Inquiries XXXX XXXX XXXX : Transunion, Equifax, Experian Date of Report : XXXX XXXX I have carefully reviewed my credit report and found that the hard inquiries information listed is inaccurate. I am concerned that this error is adversely affecting my creditworthiness and financial reputation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the removal of the erroneous hard inquiries record from my credit file.

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 2025-02-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Hard Inquiries Information on My Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate information reported on my credit file, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am contesting the listing of the several hard inquiries on my credit report that I assert I did not give permission. 

Details of Dispute : Disputed Information : Hard Inquiries XXXX XXXX XXXX : Transunion, Equifax, Experian Date of Report : XXXX XXXX I have carefully reviewed my credit report and found that the hard inquiries information listed is inaccurate. I am concerned that this error is adversely affecting my creditworthiness and financial reputation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the removal of the erroneous hard inquiries record from my credit file.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent a letter on XX/XX/2024 to Equifax about inaccuracies and nonpublic information. I didn't receive any notice back from the company about my concerns.

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

Complaint narrative:
my information was leaked in the equifax breach and i have never applied for these accounts

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 2025-02-02 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: TX

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The person opening credit cards and small business credit from these bank was able to check on my score from XXXX, XXXX and XXXX without actually confirming that the person is telling the truth. Although most have been rejected. Most recent one XX/XX/XXXX was able to open from a credit card from Capital One I received a letter stating that it could be a fraud so I got in contact with the Capital One. At first they couldnt find anything with the information Igave them from the letter they asked me for my Social Security number so I reluctantly gave them and they were able to find a opened account they assured me that they would handle everything and not to worry. Prior to there were many other attempts on XX/XX/XXXX Capitol One, XX/XX/XXXX XXXX XXXX, Capital One XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and most recent XX/XX/XXXX which they sent me a letter stating that someone is opening a credit card. I was able hopefully to stopped it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have tried to get my loans forgiven three times and I signed up nothing have been resolved its been over 10 years since I got the loans

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

Complaint narrative:
I have lost XXXX $ in cash app. Account. Money got transfer to different people ( unknown person ) and cash app never stop that transaction or refund my money.

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

Complaint narrative:
I recently ordered copies of my credit reports, and discovered numerous accounts that do not belong to me. These listed accounts do not belong to me, which means that I am not the one who opened these accounts. I am a victim of identity theft

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

Complaint narrative:
I recently ordered copies of my credit reports, and discovered numerous accounts that do not belong to me. These listed accounts do not belong to me, which means that I am not the one who opened these accounts. I am a victim of 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have Capital One as my default credit card for the automatic monthly charges for my family gym membership. My gym payment is due every XXXX of the month and even thought my credit card expires in XX/XX/year> it stopped working, already. I called capital one when I tried to buy an item online and my credit card didn't work, I talked to a lady on Capital One and she said my card stopped working because they have sent me a new card. I told her i have not received it and they should re-activate the current one since the expiration date is until XX/XX/year>. She said i might be received in the next few days. Meanwhile my gym is charging me {$15.00} dlls fee for every member that the card was declined, so far I owe my gym {$45.00} ( for me, my husband and one of my sons ) because the card is not working. This is the card that i used as default for most of my automatic payments. So far i know my gym is requesting {$45.00} for card not going through. My credit card is paid in full every single time. They have no right to interrupt it. 

I need your help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am filing a follow-up complaint regarding Halsted Financial Services , LLC . In their response to my initial complaint, they claimed to have sent a validation notice on XX/XX/year>2025. However, I have no record of receiving this notice via mail, email, or any other form of communication. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to send a written validation notice within five days of their initial communication. Since I never received this notice, I am requesting an investigation to determine whether Halsted properly fulfilled their legal obligation. 

Additionally, I would like confirmation of when and how this alleged notice was sent, along with any supporting documentation proving delivery.

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

Complaint narrative:
TransUnion, Experian and Equifax all are under reporting my credit history all 3 have eliminate important documents that would make my credit history more accurate average age of my account years of credit history aren't being reported correct therefore I'm continually told my credit file is too thin and my credit history is too new which is positively not true this has me consistently getting denied for credit, paying higher interest and insurance rates than i should due to their negligence i have over 25 years of great payment history which is missing by all 3-credit bureaus c in addition to the account 's attached i also have a paid off student loan from direct loan XXXX XXXX  XXXX which was open XX/XX/XXXX in the amount of {$11000.00} and paid off XX/XX/XXXX a loan from XXXX XXXX XXXX account XXXX XXXX which was opened XX/XX/XXXX and paid the following year last but not least i was a affected by XXXX and XXXX a victim of fraud. which caused XXXX credit cards to get closed down XXXX account # XXXX whose balance was {$7500.00} opened XX/XX/XXXX XXXX bank account XXXX XXXX credit limit was {$8600.00} opened XX/XX/XXXX capital XXXX account # XXXX credit limit was {$7000.00} opened XX/XX/XXXX synchrony XXXX account # XXXX {$7000.00} credit limits XXXX XXXX XXXX XXXX credit limit was {$3000.00}

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 2025-02-02 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: IL

Complaint narrative:
TransUnion Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( XXXX ) and unauthorized credit inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on my TransUnion credit report for over 60 days. 

I submitted the following documents to TransUnion : FTC Identity Theft Report XXXX Police Report ( XXXXXXXX XXXX XXXX XXXXXXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, TransUnion has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with TransUnion and uploaded all required documentation. 
TransUnion responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with TransUnion since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year> 2024

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 2025-02-02 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XXXX Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( Kickoff ) and unauthorized credit inquiries ( XXXXXXXX XXXX Barclays, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on my XXXX credit report for over 60 days. 

I submitted the following documents to XXXX : FTC Identity Theft Report XXXX Police Report ( XXXXXXXX XXXX XXXX XXXXXXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, XXXX has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with XXXX and uploaded all required documentation. 
XXXX responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with XXXX since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year> 2024

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 2025-02-02 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( Kickoff ) and unauthorized credit inquiries ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) on my XXXX credit report for over 60 days. 

I submitted the following documents to XXXX : FTC Identity Theft Report XXXX Police Report ( XXXXXXXX XXXX XXXX XXXXXXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, XXXX has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with XXXX and uploaded all required documentation. 
XXXX responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with XXXX since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EGUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. THE FOLLOWING ADDRESS ARE INACCURATE AND NEED TO BE DELETED IMMEDIATELY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FOLLOWING PHONE NUMBERS ARE ERRONEOUS AND INACCURATE AND NEED TO BE DELETED IMMEDIATELY : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hard Inquires not authorized XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXXXX/XX/year> Experian

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 2025-02-02 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: MO

Complaint narrative:
I am filing a formal complaint against Equifax for failing to investigate a debt before reporting it on my credit report. The debt in question is listed under XXXX XXXX XXXX XXXX with a balance of {$43000.00}, reported on XX/XX/year>. 

I dispute this debt and request that Equifax conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). However, Equifax has failed to verify the accuracy of this debt before reporting it, which has negatively impacted my credit. 

I request that the CFPB take action to ensure Equifax : Conducts a full and proper investigation into this debt. 
Provides documentation proving its validity. 
Removes the inaccurate or unverified information from my credit report. 
Equifax, I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief