vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I receive notice at the end of XXXX from Navy Federal Credit Union about a credit hold at the end of XXXX, 2025. First appeal was submitted at Navy Federal Credit union in early XXXX - scanned in at a Navy Federal branch, as I thought the first hold was because I was trying to transfer by XXXX and do banking in XXXX. This was not the case supposedly, as I was told no new information has been supplied to release the credit hold - only after calling in to Navy Federal, as I have no access to my account online. 

This same answer of no new information has been supplied, has been the answer after I have supplied new information for XXXX more appeals to release the credit hold on my checking account ending in XXXX. I have appealed the credit hold being removed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX of these appeals have been rejected and the only information I receive verbally back from calling into Navy Federal Credit Union is no new information has been supplied to release the hold. I have asked exactly what is needed and only information supplied is I need to Appeal credit hold, again. To date more than XXXX pages of different information has been supplied, while Navy Federal Security group keeps answering back that no new information has been supplied! As new information was supplied with every appeal!!! 

What information is needed to release my checking account? As I also can not open a new checking account while this hold is in place or take any money out of my account, either. This while Navy Federal is sending me requests for payment of Navy Federal mortgage and car loan, while locking down access to funds at Navy Federal Credit Union. Answer from one Navy Federal representative told me just send money from another account for paying my mortgage and car loan, as if I have an additional {$2500.00} laying around while starting a new company, working with an existing company, and having XXXX payments locked down where I could not even have access to those payments to Navy Federal, either.

There is more than {$15000.00} in my Navy Federal account, money that is needed to bring mortgage and car loan current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

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 : Account name : XXXX XXXX Account number : XXXX Inquiry XXXX XXXX XX/XX/2024 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 theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I went to Bank of America ( XXXX XXXX XXXX and the atm took all my money and called them the same day everything was closed, I went on Monday morning to the bank, they said you need to call the dispute and complain department, they told me you get your money in two business days, after two business days I called them they said the employee didnt submit so wait two more days, and I waited another two days and still no money in my account., I miss credit card payments, and some obligation to try get my money back no. 
If I dont get my money today XXXX file another complain to Bank of America and specific department in 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 monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Santander XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Goodwill Adjustment Request Account # XXXX Dear Santander XXXX XXXX Customer Service, I hope this letter finds you well. I am writing to sincerely express my regret regarding the financial hardship I experienced that led to my auto loan being written off and my vehicle being repossessed. I take full responsibility for the situation and deeply regret the circumstances that led to this outcome. 
During that difficult period, I was facing severe personal challenges, including XXXX and financial struggles that made it impossible for me to meet my obligations. Despite those hardships, I worked hard to settle my account for as much as I could afford, and I am grateful that I was able to bring the matter to a resolution. Now, as I try to rebuild my financial future and repair my credit, I am reaching out with humility and hope. 
I kindly ask if Santander XXXX XXXX would consider a goodwill adjustment by removing the negative reporting associated with this account from my credit report. I understand the impact of my past mistakes, and I have since taken steps to better manage my finances, ensuring that I never find myself in such a situation again. This goodwill gesture would mean a great deal to me as I work diligently to move forward and restore my financial standing. 
I deeply appreciate the services Santander provides and hope you can find it in your hearts to grant me this request. Thank you for your time and consideration. If there is any further information I can provide to assist in your decision, please let me know. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-03-07 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: IA

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 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-07 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: NJ

Complaint narrative:
Im extremely frustrated to see unauthorized inquiries from your company on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
Im writing to express my frustration with the inaccurate information on my credit report. Ive just reviewed it, and there is a clear mistake thats impacting my credit score. This is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
I am submitting this complaint regarding a data breach at ( XXXX XXXX ) that compromised my sensitive personal and financial information, resulting in inaccuracies on my credit report and fraudulent activities. This breach occurred due to ( XXXX XXXX ) s failure to implement adequate security measures, which allowed unauthorized access to my personally identifiable information ( PII ). The breach has led to errors on my credit report that ( XXXX XXXX ) failed to properly address, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the bureau did not meet its obligations under Section 611 of the FCRA to conduct a reasonable reinvestigation of the disputed information within the required 30-day period. As a result of this breach and the unresolved inaccuracies, I have suffered financial harm, including a reduced credit score, higher interest rates, emotional distress due to identity theft concerns, and considerable inconvenience. Additionally, ( XXXX XXXX ) s actions demonstrate noncompliance with FCRA provisions, such as Section 607 ( b ), which mandates accuracy, and highlight negligence in safeguarding consumer data.

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
First of all I got an invitation in the mail to apply for this credit card. 

Then, I was approved for Capital One credit card for {$300.00} AND received an email that I would recieve the credit card by XX/XX/XXXX. 
on XX/XX/XXXX I spoke with a Manager named XXXX and I told her I never received the card. She took a step to change the card number with out checking to see if it was returned back to them or not? 

Several attempts to address my complaint about not being able to log-in online with my user ID and password. Spoke to XXXX XXXX Acct Supervisor Spoke about never receiving credit card same thing around and around without any type of resolution. 
On XX/XX/XXXX I spoke to XXXX ID XXXX XXXX again no resolution for me. 

I've called back several times and they stated they needed to verify me with the drivers license number, and photo ID. I disputed I would provide. XX/XX/XXXX I disconnected after being asked so many times? 

I never even got the credit card in the mail and the woman closed the credit card I supposedly had, and added a new card number since I didn't receive the one they stated they sent? 

Today I got help to log in online., I still couldn't see anything but the last four digits of the card number and the associates stated I needed to send in my drivers license any order to get a credit card in the mail after several attempts to verify myself with a screenshot of my drivers license front and back copy and a current front face pic to prove who I am. 

Seems like something from the Dark Web and goes in circles to get more information about you and your information This isn't very professional, and I would like the account closed as they don't seem like they are affiliated with Capital One credit card company, and they didn't act very professional and stated they were from the XXXX when I spoke to the associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX Claim number : XXXX card ending in : XXXX Amount stolen : {$33000.00} Dates of unauthorized transactions or issues : XXXX of XXXX until XXXX of XXXX I have had my funds wrongfully withheld or stolen from my bank of America EDD account. 
Bank of America blatant negligence, failure to protect account holders and illegal freezing and denial of access to legally entitled unemployment benefits have caused severe financial harm to me since the pandemic. 
The recent California EDD lawsuit has proven that the bank of America knowingly failed its customers, and I am demanding a full reimbursement without further excuses, delays, or invasions. 
I filed one claim for card number ending in XXXX yet bank of America has split my claim into two seperate claims due to there error. All of the transaction was the same, there was not any bank to bank transfers, and only one card was used.

For the last three years Bank of America has convinced me that there was two different cards used to make the transactions on my account totaling {$34000.00} dollars when there was only one card used that was card ending in XXXX. 
I sent in photo I.D to prove to Bank of America that thief in images and or footages they may have was not me, I also filed a police report to report my Bank of America card was intercepted, I sent in a copy of my eviction notice to prove to Bank of America that they sent my funds to a address I was no longer residing at, and I also sent a copy of my current lease to prove where I was residing at the time they sent my funds.

Half of the funds was credited when all of the transactions was the same, there were no bank transfers, there was only one card used in these transactions, and the time frame was the same so why was only half of my funds returned. 
Bank of America has lied to and manipulated me as well as there policies by not doing a thorough investigation and lying and trying to convince stuff that is not true. 
Bank of America has already admitted their guilt in court for not properly handling each and everyone one of customers claims correctly in the lawsuit EDD versus Bank of America.

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 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This company I.C.SYSTEM, INC has placed an inaccurate credit collection on my credit profile. Stating that the original creditor was XXXX XXXX XXXX XXXX. I have demanded proof and validation of this debt belonging to myself in a written notice and failure to do so

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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: OH

Complaint narrative:
Subject : Formal Complaint Against National Recovery Agency for Invalid Debt Collection Immediate Resolution Required To Whom It May Concern, I am filing this formal complaint against National Recovery Agency ( NRA ) for their unlawful and erroneous debt collection practices concerning an alleged debt of {$390.00} on behalf of XXXX XXXX XXXX XXXX. This debt was fully paid directly to the original creditor long ago, yet NRA continues to pursue me for payment, in clear violation of federal and state debt collection laws.

Nature of the Complaint : 1. Attempting to Collect a Nonexistent Debt NRA is attempting to collect a debt that has been fully satisfied with the original creditor.

Their actions constitute deceptive and unfair collection practices under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ).

2. Unlawful Reporting to Credit Bureaus NRA has falsely reported this debt to credit reporting agencies, which constitutes defamation, negligence, and willful misrepresentation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 
I demand the immediate removal of this erroneous negative item from my credit report.

3. Harassment and Continued Unlawful Contact NRA continues to contact me regarding this debt despite clear evidence of its payment.

These persistent collection efforts amount to harassment and a violation of my consumer rights.

Demand for Resolution : Immediately cease and desist all collection attempts related to this invalid debt. 
Provide written confirmation that this account has been permanently closed and reported as resolved. 
Remove any negative reporting associated with this debt from all major credit bureaus ( XXXX, XXXX, and XXXX ) within 30 days. 
Provide documentation proving the legitimacy of their claim or a formal apology for their improper collection attempt. 

Legal Consequences for Non-Compliance : Failure to comply with these demands will leave me no choice but to pursue all available legal remedies, including but not limited to : Filing a formal dispute with all credit bureaus under the FCRA. 
Initiating a lawsuit for damages resulting from credit harm and emotional distress caused by NRAs unlawful actions. 
Seeking statutory and punitive damages for FDCPA and FCRA violations. 

I expect an immediate response and a resolution to this matter within 30 days of receipt of this complaint. If no action is taken, I will escalate this case to state and federal authorities, including the Federal Trade Commission ( FTC ) and my states Attorney Generals Office. 

Sincerely,

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 2025-03-07 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: NC

Complaint narrative:
Credit was opened u and used with out my 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 2025-03-07 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: CO

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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