vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: DC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report, in accordance with Section 1681o of the Fair Credit Reporting Act ( FCRA ). This section holds entities accountable for the negligent reporting of information that results in harm to consumers, and I believe the information provided by [ XXXX ] was reported negligently. Equifax and Experian did not do a complete investigation Nor did they same me ny documentation showing why the incorrect delinquency is not removed yet and i have made several ttempts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
It says an account with optimum was opens this past XXXX and today I got a hit on my credit score due to non payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I previously was a member of Navy Federal Credit union and loved my bank. I was pretty current on my credit card and even was able to raise my limit. I only used the card for rental vehicles. After about XXXX years of membership, I had the most devastating thing in my life happen. I had been renting a vehicle and adding money to my credit card the way I always have, and a hold was always placed on the account as usual. I would keep adding money so that I could keep my long term rental, as I have been doing for years. At the end of my rental, after I have received my receipt of payment I am then charged for almost XXXX on a {$400.00} card. All of the money held by navy federal should have been on that credit card, as I had no access to it. I had to add money every time! After calling multiple times to try to get thru to someone who could make it make sense, my account was closed within minutes! I could not even log into my account. on top of that, they are stating i committed mobile deposit fraud, when I didnt even have access to my debit card. and when I attempted to remedy this, I was told the people i needed to talk to werent in and to send a message. multiple times ive been told that I can not talk to anyone over the phone, just for them to call me during my work hours and tell me, there isnt anything they can do. My credit utilization is at XXXX % because they wont simply send the card to collections or delete this fraudulent amount from my account. I am now not able to secure housing for me and my XXXX children who are XXXX and under nor get a vehicle. I am struggling due to this. XXXX Fed ruined my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am writing to express my frustration regarding the ongoing issues I have encountered while trying to resolve my concerns with XXXX XXXX XXXX. Despite my repeated attempts to establish communicationspecifically XXXX attemptsI have only been fortunate enough to speak to XXXX representative. 

Most recently, on XX/XX/year>, I managed to reach a XXXX XXXX XXXX representative, but to my dismay, our conversation was abruptly cut off when she hung up. This experience has left me feeling dismissed and neglected as a customer. 

Furthermore, I have attempted to liaise with LoanCare, the company managed by XXXX XXXX XXXX, but unfortunately, they are just as unresponsive. I find that none of their contact avenues lead to a satisfactory outcome, and during the XXXX call I was fortunate enough to receive from them, the representative I spoke with appeared to lack the necessary knowledge to assist me in addressing my concerns. 

Given that XXXX XXXX XXXX markets itself as a leader in mortgage management, I find it exceedingly disappointing that my experience has been anything but satisfactory. It seems that there are significant gaps in communication and customer support which need immediate attention. 

I would greatly appreciate a prompt resolution to my issues or a direct line of communication with someone who can assist me effectively. Thank you for your attention to this matter. I look forward to your swift response. THANK YOU CFPB.

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 2025-02-20 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 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 XXXX hours stating the 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 ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX 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 2025-02-20 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX 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
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX  data breach, which raises concerns about the security of my personal 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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with Capital One Auto Financing . Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX XXXX XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my credit report, but this time, I was shocked to find unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiry remained. This is incredibly frustrating, and I need this issue resolved immediately. Please review the documents I have submitted thoroughly so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I dont know how they got there. I routinely monitor my credit, but this time, I noticed discrepancies that werent there before. I even refreshed my browser in case it was a technical issue, but the inaccurate accounts remained. Because of this, I kindly request a thorough review of my submitted documents to resolve this issue permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kikoff Inc.
State: IL

Complaint narrative:
XX/XX/year> Kickoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Debt Validation Request I am writing to formally dispute the validity of the debt and to request validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681.

According to 15 U.S. Code 1692g ( a ), I have the right to request a validation of the debt you claim I owe. Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed statement of the account, including any fees or interest charges.

4. Documentation that verifies that I am legally obligated to pay this debt.

5. Proof that you are authorized to collect this debt in my state.

Additionally, under 15 U.S. Code 1681, I am requesting that you provide me with the necessary information regarding how this debt is impacting my credit report. Please include details on the reporting agency that provided you with my credit information and the dates of any negative reporting. 

Please send your response to my address listed above within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
I am reporting some accounts that were removed already but was re-inserted on my credit repot but I wasn't inform about it. I have not received any notification from any of the company and bureau. I have read that the accounts should be removed if no notifications were received withing 5 days. So these should be removed.

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 2025-02-20 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: DC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report, in accordance with Section 1681o of the Fair Credit Reporting Act ( FCRA ). This section holds entities accountable for the negligent reporting of information that results in harm to consumers, and I believe the information provided by [ XXXX ] was reported negligently. Equifax and Experian did not do a complete investigation Nor did they same me ny documentation showing why the incorrect delinquency is not removed yet and i have made several ttempts

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I have recently opened an account with capital One Bank where I deposited my irs treasury check. I received an email a few hours later from capital one stating the check with be placed on a 2 MONTH long hold pending further verification. I request the check back and customer service told me the check was already successfully deposited and we can no longer do anything about it is there any way I can get help getting my check back or a shorter release date?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly for the past two years dispute with Equifax, regarding collections on my credit reports that have been removed from my reports and now being reported again. The collection account is XXXX XXXX and the original creditor is XXXX XXXX. This collection is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief