vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. 
Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. I have my XXXX XXXX ( I-XXXX  Form ) that states the date I arrived to the XXXX. ( find it attached ) I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report ( File Number : XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents. 

PLEASE, NOTE! 
I WAS BORN ON XX/XX/XXXX ( PLEASE SEE MY FLORIDA DRIVER 'S LICENSE ATTACHED ) AND THE SCAMMER WHO USED MY NAME AND SSN HAS XXXX, XXXX XXXX ON THE FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-25 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: URS Holding, LLC
State: KY

Complaint narrative:
For over XXXX XXXX, I have received calls trying to reach a debtor. I have owned my number for over XXXX XXXX & I do not know the named debtor. But somehow, my number was associated with the debtor through deception, or similar address in the past ( maybe I rented a place where XXXX once lived? ). 

I have sent reply texts and voice mails to the calling number pleading the removal of my number from their data base of the debtor. 

I sent a Decease and Desist letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX of XXXX  and calls slowly dwindled away for a few XXXX, but have now resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALL WESTERN MORTGAGE
State: NM

Complaint narrative:
My name is XXXX XXXX XXXX, and my XXXX XXXX  name is XXXX XXXX. We had applied for a mortgage loan but later decided that we were not financially capable of going through with it at this time. However, we have been receiving calls stating that we have applied for car loans and house loans, which we have not. We suspect that our information may have been leaked without our consent, as we had applied through All Western Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
On XX/XX/2023 I informed Equifax that the following accounts do not belong to me and are fraudulently reporting to my credit report. 

XXXX XXXX  {$54.00} XXXX XXXX XXXX {$77.00} Equifax never responded and did not remove the above listed accounts. 

I have an existing complaint with Equifax as they keep putting addresses on my report that do not being to me. 

After Equifax posts a new address on my report, there are always fraudulent accounts that pop up on my report. 

These accounts are not on any other credit bureau. XXXX nor XXXX report these fraudulent accounts or addresses. 

The following addresses do not belong to me!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this address is listed on my driver 's license. 

I've asked Equifax for these addresses and accounts to be removed XXXX  times! 
These fraudulent accounts are a violation of my consumer rights. Incorrect or fraudulent information reporting to my credit report can be harmful and dangerous to me. 

I have attached all documents needed to verify my identity. 

I XXXX XXXX am not a XXXX party or credit repair company! I am reporting this information on behalf of XXXXXXXX  Equifax will send stall letters to avoid removing this fraudulent information, lying and accusing me of being someone eles. This is a known illegal tactic from Equifax. Again, I am not a XXXX party or a credit repair company!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A bankruptcy has shown upon the consumer report, XXXX, TransUnion XXXX XXXX currently is reporting information without consent of the consumer. when question, each entity stated " it is public information & consumer needs to contact company that furnished information. '' The courts presented a letter stating " NO BANKRUPTCY COURTS REPORT ANY INFORMATION TO CREDIT AGENCIES. '' The information STILL remains on consumer 's report & agencies refuse to 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 2024-01-25 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: TN

Complaint narrative:
I noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Hello this complaint is in regards to TitleMax in the state of XXXX. My name is XXXX and I got a title loan around XX/XX/XXXX. My first payment of XXXX was due on XX/XX/XXXX. I did make my payments throughout the year of XXXX up until XXXX. I paid well well well over {$10000.00} the original loan amount was {$8800.00} and I am seeing that they had included also a {$220.00} on top of it which totals amount to XXXX I think of the total loan amount which has an annual percentage rate of XXXX XXXX  which interest fees alone its about well over {$30000.00}. Ive currently tried to communicate with the company to see if they will work with me and recalculating all the fees due to the lawsuit they had and unfortunately they dont have any info as to whether or not my account was included or not in the law suit even tho my XXXX XXXX that was taken out XX/XX/XXXX falls in the timeframe that they were enforced to refund consumers and yet no one can give me any info as to helping find out if in fact Im due a XXXX  please help me I cant afford the XXXX  to get repossessed I get XXXX treatments and will be getting a XXXX XXXX  in my XXXX XXXX XXXX XX/XX/XXXX and XXXX begging for help in this and Ive attached my receipts of payments and a copy of the original loan document and the last letter I received from XXXX XXXX XXXX the mistake of something about amounts and it clearly shows what they handed to me and what they paid to XXXX and apparently Im having to pay on that fee that they paid to XXXX and its not fair my loan amount was {$8800.00} at a rate of XXXX XXXX and it shouldnt be {$9100.00} as stated on the loan agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AL

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX ) I made payments on the amount due on my credit card in XXXX XXXX XXXX. 
XXXX ) In XXXX I was notified that my payment was late. I contacted the company and they opened up XXXX case numbers. 
Case XXXX XXXX for payment of {$200.00} Case XXXX XXXX for payment of {$53.00} XXXX ) XXXXXXXX XXXX XXXX XXXX I faxed a XXXX page document with proof from my bank that these payments had been withdrawn from my checking account on XX/XX/XXXX. 
XXXX ) I set up auto payments of {$25.00} so my account would not be flagged as having late payments while they researched why my payments had not been credited to my account. 
XXXX ) In XXXX I called again and they asked for additional information on the payment of XXXX and transferred me to a different department. They then saw that they had all the information they needed to resolve the issue and told me they would reach out if they needed more info. 
XXXX ) On XXXX XXXX XXXX I called again and was transferred to a supervisor called XXXX from Credit Card Services who said it was still being researched and I needed to wait. XXXX  could not resolve the issue for me or transfer me to someone who could.

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 2024-01-25 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:
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 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 2024-01-25 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: NC

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 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 2024-01-25 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Ask for a 1099-c form. got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX I had a fraud charge of {$7000.00} from a rental car. I disputed and fund were returned. First of XXXX the frauds submitted charge again as an electronic check. The bank then changed the transaction to a claim adjustment. And took my money. They used a credit card not active and hasnt been active in over a year it was report lost/stolen in XXXX. Also I have. {$5000.00} daily transaction amount and I have an overdraft protected account. The charge should have been denied and returned. Regions still had the charge active. I have spent over XXXX hours trying on phone or in the bank. The bankers at each location was shocked at how the charge was cleared. They didnt even run the card card was not present. Also if renting a car a pressurized amount should have been held. There was no amount. The banker in XXXX XXXX location said the merchant account was not even and XXXX account. To make thing worse this past XXXX  {$200.00} just disappeared from my savings. There is no transaction log or record but u ca. see daily balance how money just disappeared. 

I have done everything and every call or person I talk to will put me on hold for over an hour. The last conversation I had was with a rep in Alabama named XXXX who was working to get this resolved and she left me on hold over over XXXX mi XXXX with no return communication. This situation is holding up my personal finances to where I cant pay bills or even buy food. I get no assistance but I am now being held liable for a fraud charge thats isnt mine from a debit card that isnt even an active card on my account. How can a business large as Regions be allowed to operate while allowing its employees to illegally access and used a customers account. I know if the protection agency would following this case Regions would be found liable. XXXX now if I go to use the actual active debit card for that account my charge is denied yet alone as able to charge over {$7000.00} on XXXX charge and regions is trying to make me responsible for this money. Its insane to allow business or corporations to take advantage of customers and allow no supervision over its employees who are aiding in the fraud. Something must be done

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: UT

Complaint narrative:
I was recently laid off from MoneyLion. I was told I'd be receiving my final paycheck immediately for the time worked already. 

My funds were deposited into my financial router Sequence XXXX XXXX XXXX XXXX XXXX  account and promptly transferred to my MoneyLion RoarMoney account associated with my email address XXXX. I did not receive any notice that my account has been closed by MoneyLion directly, I found out when Sequence sent a message stating that my account with MoneyLion had become unlinked via XXXX. 

I reviewed my MoneyLion app and my functionality was greyed out. I chatted immediately with support who said that my account had been canceled but they couldn't see a reason for the cancellation of my account nor how I could appeal this closure. They said it may take over 5 BDs for me to receive a response. 

This is absolutely unacceptable. After having been laid off with over XXXX years of work and absolutely no notated performance issues it is a slap in the face to have your account closed and your last paycheck, the money that supposed to get you through your immediate needs after being laid off, be returned and now stuck in banking limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: EdFinancial Services
State: VT

Complaint narrative:
My loans have always been in good standing and on auto-pay for XXXX years. 

Since the recent restart of loan payments, XXXX has improperly handled my automatic payments. Their system SOMETIMES shows my credit union as the payer but also SOMETIMES shows a bank I have no relationship with, When they draw an auto-pay it fails because they have misdirected it. 

They have been aware of this for XXXX months. I have roughly XXXX hours of phone contact with them as well as that long on hold waiting for help. They admit there is a problem. That say, " that's weird. '' After each engagement I am told the problem will be fixed and I will receive an email explanation. Nothing is fixed. I have never had an email from them. 
I have sought assistance from the Vermont Attorney General 's Office. They have sent inquiries that have been ignored. 

I have sought assistance from Student Aid GOV - XXXX # XXXX. EdFinancial did not respond to them after XXXX days. 

My bank information is correct. I can force a manual payment through their system if I time it right that the bank shown is really my bank. A few fast keystrokes and I can get the payment to post. Payment when accepted are showing XXXX dollars credited to the principal. Where is my money going?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern : Thank you for considering my case. It is greatly appreciated. I have been dealing with ongoing, fraudulent transactions through my Bank of America account in connection with XXXX. From XX/XX/XXXX to XX/XX/XXXX, I have filed various claims and even more requests to Bank of America to stop any and all transactions from XXXX. Despite these interventions, the unauthorized transactions have continued, and I have lost more than {$2000.00}. 

At one point, I convened a meeting between Bank of America 's claims team, XXXX, and XXXX to identify a resolution. I was advised that XXXX couldn't find the account charging my card, and therefore couldn't discontinue the transactions ; that XXXX couldn't provide a remedy given their agreement with XXXX granting the latter the right to request a customer 's debit card information, even if it is replaced ; and that Bank of America could only offer stop payment options, which can be bypassed if a Merchant even modestly changes their name.

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