vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Complaint Division XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Capital One Financial Corporation Chairman and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Attention Investor Relations Capital One account # XXXX Subject : Cease and Desist Unauthorized Use of Exemption Identification Number and Immediate Discharge of Debt Dear CFPB Representative 's Name, I am writing to assert my rights and register a formal complaint against Capital One Financial Corporation for the unauthorized use of my Exemption Identification Number XXXX and the subsequent closure of my credit loan account. 

As of this moment, Capital One Financial XXXX is explicitly prohibited from utilizing my Exemption Identification Number or any unauthorized signature associated with my account. I invoke Section 3-403 of the XXXX XXXX XXXX, which renders any unauthorized signature ineffective except when in favor of a person who pays the instrument or takes it for value in good faith. 

I hereby demand the following actions be taken immediately : XXXX. Provide a copy of the XXXX to cancel the debt of the credit loan account, as I can no longer use this account. 

XXXX. Cease any further use of my signature or access to my Exemption XXXX XXXX, in accordance with Section XXXX. 

XXXX. Dissolve my account and destroy all private data associated with it. 

XXXX. Provide proof of the dissolution of my account and destruction of my private data. 

Failure to comply with these demands will result in legal action to protect my rights under the XXXX XXXX XXXX and consumer protection laws. 

I trust the Consumer Financial Protection Bureau will investigate this matter with the urgency it requires and ensure that justice is served. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THOSE FRAUD inquiries shall delete from my credit report. 
XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX  INQUIRY DATE : XX/XX/202XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/2023 DELETE XXXX FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.

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 2024-03-11 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act citizens account number XXXX this creditor has violated my rights. 
Under 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 an account without my written instructions. 
Under 15 USC 1666B : A creditor may nt treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I don t understand why PayPal makes it so extremely difficult for a consumer to find out what amount ( finance charge ) they are charging each month. Today I was on the phone for an hour. I spoke to XXXX people and one was a supervisor named XXXX. I was transfered twice. Neither person understood what I meant. I kept saying the same thing over and over. I used XXXX XXXX as an example. I can see very clearly what they are charging me each month. I then spoke to a supervisor, XXXX, and he did not understand. He said the words finance charge was a vague term. I repeated his words back to him in disbelief. I XXXX the description and read it to him. He wanted to transfer me again ( which would have been the XXXX Person ), but of course they were then closed for the day. I can not find the amount on my statement. This same thing has happened with them before. They just transfer the call, they dont understand, the call is disconnected, then they close for the day. I am trying to balance and understand my account. Last month I finally got someone that told me I was charged about {$85.00}. I spoke to different people due to getting transferred and finally said I was going to report them. Please help me. I dont know what else to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This creditor appears on my credit report, and it is negatively affecting my ability to attain new credit. I have been back and forth with this company for over several months and have had no resolution to this issue. This account was opened fraudulently and without my consent. I have requested on several occasions for the original application and have been sent invoices instead.

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 2024-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a charge for {$26.00} dollars for a service not provided. Bank of America made it impossible to reach someone to dispute. After reaching someone with a complaint to cfpb they reached out and gave a temporary credit which they removed after few days. We never got any merchandise and went called back one agent hanged up, another one in AZ said that merchants are always right saying he will close the case. After attempted to resolve and when calling again either a recording says the service center is closed or they put on hold and disconnect. Bank of America is being dishonest and disrespectful.

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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
The app for commerce isnt real time. Balancing your account isnt ever correct. I paid hundreds in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by XXXX means ( 18 USC 894 ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TransUnion is in Violation of the Fair Credit reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) I did not give any permissible. This Aggravated Identity Theft pursuant to 18 U.S.C 1028A these are the accounts weren't authorized by me. 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/2023 TransUnion refuse to remove after I already made numerous attempts 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 2024-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
account number is XXXX seen this on my credit yesterday it says it is from a place called XXXX XXXX XXXXXXXX i never stayed here the address for this place isnt even on my credit report! my identity was stolen back in 2023 and i am still dealing w issues from it. i will upload a police report from another apartment i had to make a police report against

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear CFPB, Transunion is in violation of FCRA 15 U.S. Code 1681g. 15USC1681 ( a ) ( 1 ). I am a victim of iIdentity theft. I have contacted the NJ courts, XXXX, and received in writing that they do not report to any credit bureau

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 2024-03-11 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: GA

Complaint narrative:
Experian has continued to report false information on my credit report. According to their own statement they have to submit accurate information and under the FCRA they have violated my rights continuously under 15 USC 1681b, 15 USC 1666b and a slew of other XXXX codes. I will be seeking monetary relief for each violation for {$1000.00} per violation.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports, thank you CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX  date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
EXPERIAN XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 

XXXX date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX  date of inquiry XX/XX/XXXX. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies

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 2024-03-11 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:
XXXXXXXX XXXX XXXX XXXXXXXX  with ACCOUNT NUMBER : XXXX was OPENED by fraud, and I been requesting the proof of ownership. 
but no response. This inaccurate fraud account shall delete from my credit report by XXXX. 

And also, this XXXX XXXX XXXXXXXX. is a fraud account that I am not responsible for this inaccurate fraud account. Delete those fraud accounts from my credit report. 

Inquiries were made due to fraud as well. 
XXXX XXXX XXXX inquiry XXXX. 

XXXX XXXX inquiry XXXXXXXX XXXX XXXX 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 2024-03-11 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: GA

Complaint narrative:
Transunion is continuing to report false information and unverified information on my consumer report. According to the FDCPA and the FCRA ALL INFORMATION IS SUPPOSED TO BE FAIR AND ACCURATE. They have violated my rights under USC 1681 b and 15 USC 1666b and others as well.

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 2024-03-11 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: TN

Complaint narrative:
On XX/XX/2024, I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days ago, I have not received a response back. I feel like I am being taken advantage of and that I'm not being taken seriously. Section611 ( a ) states that failure to investigate these items from within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach. and may have gotten into the hands of the wrong person.

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 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express giftcard with XXXX dollars on it from work for the holidays. I have attempted multiple purchases with this XXXX card since receiving it in XXXX and to date only XXXX have been successfully processed, both in late XXXX. 

Furthermore, XXXX of the retailers XXXX retailers who successfully processed the XXXX  card refused the XXXX card on a later transaction. 

Despite the promise that this XXXX  card is good where ever AmEx cards are accepted, it is widely rejected and therefore unusable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: MD

Complaint narrative:
I am writing to dispute the inaccurate information that has been reported on my CIC credit report, which does not belong to me. Despite multiple attempts to correct this error, the credit bureau has not complied with my dispute, in violation of my rights as a consumer under the Fair Credit Reporting Act, 15 U.S.C. 1681, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ], 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], and 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].

This reporting error has significantly impacted my ability to secure employment and a new home, resulting in financial burdens for my household. As a victim of identity theft, I have submitted my identity theft report and provided proof of the inaccuracies, yet the credit bureau continues to report this information.

Over the past 15 months, I have taken extensive measures to rectify this situation, including preparing documents, filing complaints, obtaining legal advice, and paying for postage and delivery confirmation. Despite my efforts, the credit bureau has yet to comply with the FCRA and remove the inaccurate reporting from my credit report.

I kindly request that the credit bureau to promptly remove the inaccurate information from my credit report, in accordance with the FCRA and applicable consumer protection laws. I also request that the credit bureau provide me with an updated credit report reflecting the removal of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I initially filed this complaint concerning the : 1 ) Abuse used by One Main Financial by Contacting me by phone over 40 times after Ive explained my emergency preventing my normal prompt payments since Contacting CFPB they have ceased with those harassment calls. THANK YOU 2 ) I asked for an apology for the prior harassment. I GOT NO RESPONSE THUS FAR!

3 ) Ive asked for an entire payment breakdown for the 5 years this loan has been in effect.

THEY ONLY SENT ME 3 YEARS!!

I have not sent them a single payment until they can VARIFY IN WRITING WHAT MY BALANCE IS! and HOW theyve arrived at that sun. I truly believe this loan is possibly ALREADY PAID IN FULL.. and they havent sent proof contradicting this.

In the initial 3 years of payment history they sent ( see it in the photos Ive submitted in the first complaint for this column information ) ; they have a column showing irregularities in INTEREST BEING EXTRACTED from ALL of those 3 years THEY HAVE NOT ATTEMPTED TO EXPLAIN THOSE INTERESTS EXTRACTION IRREGULARITIES!!

4 ) 2 Days ago I received an unsigned form letter from the Headquarters of ONE MAIN FINANCIAL ( see attachment ) I offered to allow me the option of paying at THEIR BRANCH LOCATED IN XXXX, INDIANA! 

That gesture was in response to my initial complaint of the branch XXXX : XXXX XXXX XXXX XXXX in XXXX, Illinois who RELENTLESSLY HARASSED ME WITH NONSTOP CALLING AND TEXTING. 

She was not reprimanded for her actions and is still managing the facility as if NOTHING HAS HAPPENED!!!!! 

Meanwhile.. As I said above. Ive got a UNSIGNED FORM LETTER ( see letter in attachments ) from The headquarters asking me toRESUME PAYMENTS AT THAT FACILITY WITHOUT ADDRESSING THE MOST IMPORTANT CONCERNS OF MY COMPLIANT!!!!!!

AND TO BE SURE. THEY ARE SENDING NEGATIVE REMARKS TO THE CREDIT BUREAUS SINCE IVE OPTED TO HOLD FURTHER PAYMENTS UNTIL UNTIL UNTIL.. THIS COMPANY CAN BE FORTHCOMING AND TRANSPARENT ABOUT MY CURRENT LOAN ACCOUNT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
- XX/XX/year> : Covid student loan refund check was requested. Told to wait thirty days - balance increased back the same week with no refund of my money - called in 30 days and told to wait 90 days- waited 90 days and was told theyre waiting still for information - called three separate times after that with no detailed information of when my refund will come and his now been over six months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief