vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
My information was affected but the data breach. My information was exposed, you must removed within four days. Under section 605 B this information must be removed within 4 days. Don't try to use the 30 days to fix my entire credit file. My entire file was exposed to the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I went to a local car lot in XXXX nj XXXX called XXXX XXXX. I never had a car before so when they told me I was approved for a XXXX XXXX XXXX I asked how much was the car. A worker from the car lot told me the car was {$11000.00} with XXXX down. So I said ok. I payed for the insurance and plates. I was given the keys and I drove off. I wasn't given a contract. I never signed anything but the application. I fell behind on a payment, so when I went to pay the payment of {$1000.00} but my bank would only approve {$1000.00} a day the payment was declined and as a result my car was repossessed on XXXX XXXX XXXX XXXX. They took my car and at that point I was told my balance which was {$52000.00}. I never knew what the amount was, I was never told what the amount was nor the apr. They asked me did I want the car I told them no!!! And, that the car was way too expensive. The car has been in repossession for four years but everytime i check my credit this company credit acceptance has it on my credit like the car was recently towed. Its hurting me I can't get a loan from anyone. 
Lastly, Its not right and it's very unfair.

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 2024-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 ( A ) SECTION ( 2 ) : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
i tried to get the company to removed negative item from my credit report. as i dont owe the company attempting to collect. i have no contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AZ

Complaint narrative:
i have recently returned to the united states XXXX weeks ago and discovered that someone has been using my identity, i have been out of the country for the past 11 years and had no idea that this was happening. someone opened up lines of credit under my name without me knowing about it whats so ever until i seen my mail that i was reciciving collection notices.

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 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I have had a PNC mortgage for several years now, and have had autopay set up throughout this time. 

On XX/XX/year>, I received a letter stating that my XX/XX/year> payment was past due. Logging into my account, I saw a {$180.00} fee assessed on XX/XX/year>, and autopayment is no longer set up nor is it available to be configured online. 

I received no notification that my autopay had been removed. This is the second time this has happened in the time I've held this mortgage with PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit acceptance still posting a XXXX car loan on my credit since 2018 like Im not making the payments when I never wanted the car and I told credit acceptance that after I took home the paper work and read and notice how much APR They put on my loan I changed my mind the very next day was told by one of the receptionist that a check was already send out to the dealer like if it couldnt get cancelled which I knew was a lie a bank dont send out a check until at least 30 days I need to sue them for pain and suffer messing my credit up and still reporting this vehicle like I have in my possession

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I recently revised a copy of my credit report and noticed accounts that are fraudulent with inaccurate data. I am requesting those accounts to be removed because they are hurting my credit.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used to have a Bank of America checking account, it was in good standing ( never had an overdraft ), but I decided to close it. I applied for BofA checking account about 4 years ago, but it was declined since I could not provide proof for employment, it was the height of Covid pandemic, and I got laid off at that time. I applied recently for a BofA checking account with a {$300.00} offer for a new checking customer, but my application was not approved. I've been employed since 2021 and am making {$95000.00} annually. I have biweekly paycheck for direct deposit to Bank of America, if they approve my application. I have more than $ XXXX ready for savings deposit. And all of my credit cards are in good standing. The derogatory remark from XXXX XXXX for a {$1.00} past due. Yes, {$1.00} past due had been deleted and corrected. It was an error. I am applying for a checking account not a credit card. Checking accounts requires direct deposits and maintain a certain cash balance unlike credit cards which has a higher liability and accountability.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I requested multiple times to get my statement that was missing with a closing date of XX/XX/XXXX and a payment due date of XX/XX/XXXX. No statement was mailed, and they stated that no statement was generated for the month of XXXX, and they are refusing to provide that XXXX statement and receipt, as well as reporting it accurately for the correct month. I made the payment in XX/XX/XXXX for {$60.00} on the phone with XXXX XXXX, and it should have been on my printed and mailed Us First class statement. The XXXX statement remains missing and it is my legal right to have a proper receipt on the correct month. I am being denied access to also having this reported accurately to the credit bureaus. XXXX XXXX also continues to be a problem. 

Additionally, I did not receive my statement for XXXX closing date of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I made a payment of {$52.00} confirmation XXXX and a separate payment of {$440.00} confirmation XXXX to be on my closing date of XX/XX/XXXX and payment due date of XX/XX/XXXX. On XX/XX/XXXX, I spoke to several people including XXXX and XXXX, and XXXX form XXXX, XXXX. Additionally, they transferred me to XXXX, the supervisor and there was no resolution, and I filed the complaint while I wwas left on hold for XXXX hour before I submitted this complaint. Please respond by US mail as XXXX has my email lockdown right now, while trying to recover my email. i do not use my email with XXXX and do not want it used on my accounts with the exception of the back office only for ID purposes. 

I do not have any online banking whatsoever and do not intend to do so. It will be fraud if my email is used for any banking purposes such as an online account. I receive all paper statements only on all my accounts, including my missing car loan that XXXX should have reported as well, and all this infor was provided to them a miultitude of times. Please respond by US Mail. I will be out of the country between XX/XX/XXXX and XXXX, XXXX. Please extend the time to respond to any additional requests by the CFPB. I have someone at the house, but they will not be able to reach me. Please notate these on all my existing complaints/ accounts with the CFPB XXXX 

Multiple times I provided the Police report XXXX XXXX and cell XXXX. It is for identity theft and misidentification filed on XX/XX/XXXX. To this day, no identity theft packet has been mailed to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS
State: TN

Complaint narrative:
I requested multiple times to get my statement that was missing with a closing date of XX/XX/XXXX and a payment due date of XX/XX/XXXX. No statement was mailed, and they stated that no statement was generated for the month of XXXX, and they are refusing to provide that XXXX statement and receipt, as well as reporting it accurately for the correct month. I made the payment in XX/XX/XXXX for {$60.00} on the phone with XXXX XXXX, and it should have been on my printed and mailed Us First class statement. The XXXX statement remains missing and it is my legal right to have a proper receipt on the correct month. I am being denied access to also having this reported accurately to the credit bureaus. Lexis nexis also continues to be a problem. 

Additionally, I did not receive my statement for XXXX closing date of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I made a payment of {$52.00} confirmation XXXX and a separate payment of {$440.00} confirmation XXXX to be on my closing date of XX/XX/XXXX and payment due date of XX/XX/XXXX. On XX/XX/XXXX, I spoke to several people including XXXX and XXXX, and XXXX form XXXX, XXXX. Additionally, they transferred me to XXXX, the supervisor and there was no resolution, and I filed the complaint while I wwas left on hold for XXXX hour before I submitted this complaint. Please respond by US mail as XXXX has my email lockdown right now, while trying to recover my email. i do not use my email with XXXX and do not want it used on my accounts with the exception of the back office only for ID purposes. 

I do not have any online banking whatsoever and do not intend to do so. It will be fraud if my email is used for any banking purposes such as an online account. I receive all paper statements only on all my accounts, including my missing car loan that XXXX should have reported as well, and all this infor was provided to them a miultitude of times. Please respond by US Mail. I will be out of the country between XX/XX/XXXX and XXXX, XXXX. Please extend the time to respond to any additional requests by the CFPB. I have someone at the house, but they will not be able to reach me. Please notate these on all my existing complaints/ accounts with the CFPB XXXX 

Multiple times I provided the Police report XXXX XXXX and cell XXXX. It is for identity theft and misidentification filed on XX/XX/XXXX. To this day, no identity theft packet has been mailed to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My FTC Report Number XXXX I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer XXXX  credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at Barclays Bank Delaware on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) and a XXXX XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

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 is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking to verify as accurate. 
( XXXX XXXX XXXX XXXX XXXX ; Account number : 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 2024-12-28 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a part of the Equifax breach and subsequently supposed to be afforded credit monitoring after such events. Since this took place, literally years ago - I can not login to my account, I can not create a new account, I can not reset my password, I can not reset my email or username, I can not do anything or receive my credit report, receive credit monitoring, or even pay for their services out of my own pocket. I am completely locked out. I've tried calling and they say it's a technicaly issue and that it will be resolved " eventually. '' It has been 8 years since I was able to last log in to Equifax. I would love to dispute a lot of inaccurate information that both XXXX and XXXX has found fraudulent and removed, but I can not because I am not even able to submit disputes without an account. Requests by fax and mail also go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Beginning of XXXX Ive been working less than XXXX hours at my job due to slow season at work. Im not getting the hours I need to make payments for my credit cards. There was no hardships programs available and I was devastated and was telling them I couldnt make no payments due to my job. And its really affecting my credit score because I always made 100 % on my payments however my situation its been hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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 am writing to formally request that the following account be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and as a result, this account was opened without my authorization. 
Account Details : XXXX XXXX XXXX XXXX Account Number : XXXX ( last digits omitted for security ) Date Opened : XX/XX/year> Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I am writing to formally request that the following account be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and as a result, this account was opened without my authorization. 
Account Details : XXXX XXXX XXXX XXXX Account Number : XXXX ( last digits omitted for security ) Date Opened : XX/XX/year> Balance : {$1900.00}

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 2024-12-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had contacted chase about a plethora of false charges on my debit card. They issued a refund about a day after I had spoken with them. And then about a week later they revoked the refunds causing my account to be over drafted. Im owed over {$1300.00} from this incident. I contacted chase again and they just said to go to the authorities and that they couldnt do anything. They promised to send me information and send the recording of my conversations for the police. But they never sent me any of the info or the recordings of our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-12-28 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: VA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent accounts have been opened in my name. I am requesting that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following account was opened fraudulently and should be removed immediately : XXXXXXXX XXXX Account Number : XXXX ( partially redacted for security purposes ) Date Opened : XX/XX/year> Amount : {$1900.00}

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 non-monetary relief