vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: First Choice Assets LLC.
State: PA

Complaint narrative:
On ( XX/XX/2024 ) I sent an Identity theft letter to ( XXXX XXXX XXXX, XXXX, FIRST CHOICEXXXX XXXX ). I have not received a response nor has ( ( XXXX XXXX XXXXXXXX, XXXX, FIRST CHOICE/XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XXXX XXXX and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( ( XXXX  XXXX XXXX, XXXX, FIRST CHOICEXXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-12 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: NC

Complaint narrative:
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 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 XXXX XXXX  15 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family and educational act of 1974 codes and infractions each reporting company has violated on behalf of the FCRA and privacy act of 1974 & family educational act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I discovered an issue related to the charge-off of my credit card balance that has caused me significant distress. I have noticed discrepancies in the discharge of the amount on my account statement. 

The issues I am facing include : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. I was never informed of my right to exercise my nondisclosure option once my information was given to numerous third parties. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 12 CFR 1016.1 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. No opt out notice was given once charge-off was recorded on my credit report. 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted Anything added to my report without written consent by I the consumers consent is identity fraud. Based on the noncompliance of opt out laws and disclosures no written consent was given. 

Furthermore, 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
I have attempted to address this matter by sending an opt out letter to the financial institution nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: HW Holding, Inc
State: NC

Complaint narrative:
I asked them to remove this from my credit report, because I don't have a contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
15 USC 168.1b Jefferson Capital Services , LLC {$1100.00} XXXX XXXX  I did not say that the credit bureaus need to have written instructions to add accounts on my credit report. I would like the to be removed from my credit report decreasing my XXXX  score by XXXX points and needs to be added back to my XXXX  score that was XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: PA

Complaint narrative:
Dear [ Credit Reporting Agency ], I hope this email finds you well. I am writing to bring to your attention some unauthorized inquiries that I have discovered upon reviewing my credit report. After contacting the respective creditors, it became evident that they have no evidence or proof of my initiation of these inquiries, nor do they possess any written authorization from me. Furthermore, they have failed to provide any permissible purpose for these inquiries.

In light of the aforementioned circumstances, I kindly request that you immediately delete these unauthorized inquiries from my credit report. As per Section 604 of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681b, consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, one being when a legitimate business need for the information exists in connection with a business transaction initiated by the consumer.

Additionally, as outlined in 15 U.S. Code 1681i, Paragraph ( 5 ), in case of inaccurate or unverifiable information, the consumer reporting agency is obliged to promptly delete such information following a reinvestigation. Given that the inquiries in question are unauthorized and can not be verified, I kindly request their immediate removal from my credit report.

The unauthorized inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I appreciate your prompt attention to this matter and I kindly request that you keep me updated regarding the progress of resolving this issue. Please do not hesitate to reach out to me if any further information or clarification is required.

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 2024-02-12 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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with XXXX requesting a reinvestigation, the issue remains unresolved to this day. 

Equifax XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I accepted an offer for a new " SavorOne '' credit card on my cell phone from the Capital One Bank App. In the initial offer it said that they would give me XXXX {$200.00} if I spent XXXX {$500.00} in the first 3 months. 
In the process they said that there was a second benefit and that was that the purchases I made would give me free interest in the first 15 months of the credit card. 

The system generated and approved the Credit Card Today I called to validate these benefits and they told me that they do not apply In a way they let me know that I should have reviewed what I was accepting. 

I have asked why the Bank makes an offer of a credit card with some benefits and then in the process they already say that the benefits do not apply, to which they tell me that I accept the terms and that is how it appears in the system In my country XXXX, that is called " captivating the customer with false promises or misleading advertising '' In the application registration process, it said " validating if you will be given the new credit card '' and Then it appears that I have been accepted, although one does not read everything else, because XXXX thinks " if they offered me a campaign and they approved it, it is because it is true '' not that one should go read the fine print to see if it suits them. they changed the conditions I'm going to cancel the new credit card, which takes 2 days to apply for, but I don't know how this will affect my record. 
I believe that the Bank is using captivation mechanisms with false expectations and this goes against the good faith of the consumer who assumes that if there is a campaign and they accept the card it is true and not having to check that the conditions have changed. 

I appreciate your help to review this type of advertising, This does not happen in other banks. 

I have created a pqr to the bank case number XXXX for me,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my secured credit card, for which they were holding a {$1000.00} security deposit, with Capital One 2 months ago. The company advised I would have to wait XXXX billing cycles for my security deposit to be refunded. It has not been refunded and I have been quoted XXXX days for the refund. They are holding my money XXXX and I would like it back please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX I made an in store purchase at XXXX XXXX using their credit program for {$2100.00}. I was told it would be purchased under the 12 month equal pay no interest. Some items were shipped others I XXXX have taken with me. 
On XXXX I made a purchase of XXXX again using my XXXX XXXX Credit card. I was told this purchase would be placed on the 12 month equal pay no interest program also. 

I made monthly payments via auto pay- so I did not check my statement at all- thats on me- my mistake. 

On XX/XX/XXXX : I went in to pay off the card balance before the promotions expired and noticed I had been charged interest since last year. To my surprise, interest had been accruing on my account. Through XXXX of my calls with Cap One they saw portions of the transactions that did not make onto the XXXX no interest promotion. From the XX/XX/XXXX transaction, {$570.00} did not make and from the XX/XX/XXXX transaction {$500.00} did not make it on the no interest promotion. It seems to me there is a training issue for all parties. Obviously, something happened from the total I was given vs what happened. But both trans were in store, but some times had to be shipped vs carry with me On XX/XX/XXXX : I called Cap One 4 times and XXXX XXXX once. Cap One opened a case and it was immediately closed and denied. And XXXX XXXX told me it was a Cap One problem- go figure. I explained to both parities that I was deceived into thinking I was receiving no interest, when in fact I did not. 

On XX/XX/XXXX : I called Cap One again and the supervisor told me there was nothing she could do or escalate this too. I didnt believe her. 

This just seems completely unfair I am having to spend so much time on what would be a negligible amount of interest to be reversed. This is a core feature of the product and folks are acting like I am making no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX these accounts I do not recognize please remove

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 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX, Mohela transitioned to a different online platform. Mohela forget to bring records of my 2 previous payments to the new platform. On XX/XX/XXXX, I had brought this to their attention, but they don't have any records of this or acknowledge it at all. I have both transactions of my student loan payments from XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. It also seems like they are restarting my loan from the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: U.S. BANCORP
State: NY

Complaint narrative:
I received a letter from US bank with the date XXXX saying that i tried tp open their credit card but they denied for some reason. This is the second time someone tried to open credit card on my name. What is happening i have no idea. Someone probably has my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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:
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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I recently received an email from Venmo explaining that my account has been suspended. This suspension was done erroneously. 

I live in the United States and was recently traveling on vacation on a cruise ship. When I went to access my account while I was traveling internationally, I received a message from Venmo saying my account was suspended due to suspicious activity. However, there was no suspicious activity on my account ; I was the person accessing my own account ; and, I was doing so internationally only because I was temporarily traveling on vacation. That was me. 

I already replied to Venmo 's account suspension email and uploaded my XXXX issued driver 's license, which is the additional information that their company requested. Despite this, the company still has not reinstated my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: Grain Technology, Inc.
State: PA

Complaint narrative:
On ( XXXX/2024 ) I sent an Identity theft letter to ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX  ). I have not received a response nor has ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XXXX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX  ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.

Company response to consumer: Closed with explanation