vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am reaching out to you today with a heavy heart as l have recently become a victim of identity theft. It has come to my attention that my personal information was unlawfully used to open an account at your esteemed company, without my knowledge or authorization. l kindly request your immediate assistance in closing the fraudulent account associated with my name. The account details are as follows : Quick SilveXXXX card ending in XXXX and Platinum Secured card ending in XXXX. I had no involvement in the opening or operation of these accounts, and it is of utmost importance that they are closed promptly to prevent any further misuse of my identity. I Furthermore, I humbly ask that you absolve me of any charges or obligations related to the fraudulent account. As an innocent victim of this crime, I should not bear any financial burden resulting from the unauthorized actions Of others. it IS my sincere hope you will handle this matter With the utmost care and urgency it deserves. I would also like to draw your attention to the FTC Notice to Furnishers of Information, which outlines your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). It is essential that you comply with these obligations, as stated in the notice, to ensure the accurate reporting of information related to identity theft. Specifically, I kindly ask that you cease furnishing any information resulting from this identity theft to any CRAs. Moreover, under section 6058 of the Fair Credit Reporting Act, I implore you to take immediate action upon receiving notice from a CRA that information you provided may be the result of identity theft. Your responsibilities, as outlined in the notice, include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring the fraudulent debt to another party for collection. I trust that Capital One takes these matters seriously and will conduct a thorough investigation into this unfortunate incident. I request that you keep me informed of the progress and actions taken to resolve this matter promptly. Thank you [ DH/OUT attention to this urgent matter I sincerely appreciate your empathy and understanding during this challenging time. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or via phone at XXXX. I look forward to your prompt response and resolution of this matter. Yours sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This Company CCS COLLECTION Is Not Licensed & Bonded In The State Of Georgia To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. 

I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you CCS COLLECTIONS that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
I was looking at my credit report and found XXXX unauthorized inquires from XXXX back to back. I made Equifax aware they were unauthorized they keep telling me to call XXXX, who was absolutely no help at all. I have never done any business with XXXX and don't know they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  the account was settled in full for less than the balance owed or deletion. The account is still being reported and it was paid for deletion.

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 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
There is account from LVNV Funding LLC for a collection took account over on XX/XX/2023 from a company named XXXX XXXX XXXX XXXX  XXXX in the amount of {$920.00}

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

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2024-03-03 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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:
XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX  XXXX XXXX for attempting to collect a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BOEING EMPLOYEES' CREDIT UNION
State: KY

Complaint narrative:
BECU has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. BECU has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. BECU has ignored financial instruments intended to settle the account in XX/XX/XXXX. BECU has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. BECU has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to BECU in XX/XX/XXXX. BECU reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. BECU filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

BECU has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

BECU has given, without permission, the consumer 's information to multiple parties ( violation of 15 USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

BECU have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while BECU effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with BECU and BECU has not rebutted any of the claims. 

On their website, BECU states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX BECU has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: General Mortgage Capital Corporation
State: WA

Complaint narrative:
XX/XX/15 XXXX loan officer XXXX XXXX XXXX XXXX offered VIP dinner tickets to realtors free for referral biz in a XXXX group consisting of 400+ realtors, the value of ticket is about {$80.00} each, and 1 realtor showed interest, this is brazen bribery and RESPA violation And she quoted interest rate for No Income loan program XXXX without APR, this also violated regulation. 

I attach print-screens of her offer and marketing ( in XXXX ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am a 20 year customer of Dell. I was never late with a payment. I thought I had paid off my computer in XXXX. I got a bill for {$4.00}. I tried to login to my account. I kept getting a message to try later. I want that worried because to my knowledge, I had not made any purchase. On Friday, I got a collection call. The guy was rude and did not explain what why I owed this money. Then, I found out that the {$4.00} charge was now {$140.00}!!! I paid it but he has wrecked my credit. My previous rating was XXXX. I am scared to see what it is now. 
I also have a Talbots  and XXXX card with Bread Financial. This is a scam. Ive never had this problem before!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 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: CO

Complaint narrative:
I first submitted my IDR application on XX/XX/XXXX and received notice it was processing. My application was then in process without any provided explanation for over 2 months. On XX/XX/XXXX, I received correspondence from MOHELA saying my repayment plans had changed and I had been placed on the LEVEL plan ( standard repayment ). Because I assumed this meant that, without explanation, my IDR application was denied, I then resubmitted my IDR application after receiving this on XX/XX/XXXX. My application was again listed as processing through XX/XX/XXXX. On XX/XX/XXXX, I received communication from MOHELA saying my IDR application was approved but MOHELA placed me on the incorrect XXXX plan. I had requested to be placed on the plan with the lowest payment. My husband did the same with his servicer, XXXX, and promptly was placed on the SAVE plan with a payment less than half of what MOHELA provided me on the PAYE plan. Because MOHELA placed us on the incorrect IDR plan, I then resubmitted another application on XX/XX/XXXX. I received a document on XX/XX/XXXX saying I was again placed on the LEVEL plan. 

I then placed a call on XX/XX/XXXX after again receiving this correspondence. The employee I spoke with was XXXX, employee ID XXXX. I received no explanation for these changes, prolonged processing, or mistakes in which repayment plan I had been placed on ( note, I was placed on hold for an hour for the employee to check my account to try to ascertain why these errors are occurring ). I was given the excuses that MOHELA has had a lot of calls and has had updates to its system and that after my latest application, my IDR request will be processed again and can take another 2 weeks. I then asked to speak to a higher level employee who called me back on XX/XX/XXXX. This employee 's name is XXXX, employee ID XXXX. She gave me a case number which I can provide at your request. XXXX told me my case has been escalated further and I should now hear in 3-5 days. 

As of today ( XX/XX/XXXX ), my account is still listed as being under the standard LEVEL plan and per my MOHELA portal, my application is still " processing. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Comenity Capital Bank/ IKEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 


On XX/XX/2024, I notified Comenity Capital Bank/ IKEA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Comenity Capital Bank/ IKEA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Comenity Capital Bank/ IKEA complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Comenity Capital Bank/ IKEA . 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 


I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I had a Home Equity Line of Credit that was sold to Rushmore Services by another Financial Institution. This was t

he 3rd time that the line of Credit was sold. I decided to pay off the loan and started to make large payments. 
Toward the end of the loan, I decided to call and ask what the proper procedures were to pay off and close the line. 
XXXX Called, I was told my balance was {$270.00} and because it is over {$200.00}, I have to do it as a wire transfer. I went ahead and did that Paid {$270.00} + {$25.00} Wire Fee.

XX/XX/XXXXReceived an email confirmation that the loan is paid off ( attached ) XXXX Received a letter stating that I owe {$690.00}. I was surprised and thought this is a mistake, called to resolve it. They told me that the account is not closed because a form ( HELOC PAYOFF AUTH ) was not submitted. I had no idea that was needed. They never told me that in XXXX?! I said fine, let me do whatever is needed. Sent in the HELOC form and agreed to pay {$70.00} in late fees and other charges. Payment was taken over the phone. Spent an hour and a half on the phone! 
XXXX Received an email with a new Payoff Quote, Due {$76.00} XXXXCalled disputing this again. Spoke with XXXX, he agreed that this was a mistake and said that he will escalate it to his managers to be withdrawn and account closed. Spent an hour and a half on the phone! 
XXXX Received another payoff quote via email, due {$76.00}, called again to dispute, spoke with XXXX ( She consulted with her supervisor ), said it will be escalated and withdrawn. Spent 2 hours on the phone! 
XXXX I get a notification from XXXX that I was reported to have a delinquent account. I looked at the details and it's this one ( attached ). I am so upset and frustrated. I no longer have the strength to fight this! I don't have the time to spend more hours on the phone with these people! I opened an online ticket with them. Ticket # XXXX ( attached ). Hope that they will finally do the right thing and close this line of credit and withdraw the delinquent account from my Credit Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Nelnet, Inc.
State: TN

Complaint narrative:
I have the receipts of payments! Yet they are reporting me delinquent on payments. This needs fixed! Im not making anymore payment till this is corrected. The amount they are requesting is incorrect!!

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

Complaint narrative:
I have called multiple times regarding unauthorized inquiry from XXXX. I have not applied for credit and did not authorize this inquiry.

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 2024-03-03 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:
Disputes are filed but no results Inaccurate info still on credit report I am a victim of Identity theft/fraud Social Security number being used by unknown person/people Multiple accounts opened that don't belong to me Inaccurate personal info Employment info incorrect

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