vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXXXXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX SER - XXXX Last XXXX digit of 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 explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One/Kohls PAYMENT XXXX Collection/Chargeoff AMOUNT PAST DUE {$1200.00} DATE OPENED XX/XX/year> BALANCE {$1200.00} ACCOUNT TYPE Charge account CREDIT LIMIT {$300.00} HIGHEST BALANCE Never applied for card. Disputed with bank and demand delete account on file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
As per the Fair Credit Reporting Act, Section 602 ( a ) of 15 USC 1681 emphasizes the importance of ensuring that consumer reporting agencies carry out their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. XXXX, Transunion, and XXXX operate as consumer reporting agencies, and I, as a consumer, hold the right to safeguard my private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and safeguard nonpublic personal information. Under Section 604 ( a ) ( 2 ) of 15 USC 1681, it is outlined that consumer reporting agencies can only furnish consumer reports upon the explicit written instructions of the relevant consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, Transunion, and XXXX have my consent to furnish this information, as reiterated by 15 USC 6802 ( b ) ( c ), which mandates that financial institutions must inform consumers of their right to opt out of information disclosurea right that was not communicated to me by the furnisher of information. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization, a provision violated in this instance. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports for specific purposes. XXXX, Transunion, and XXXX are failing to uphold these standards. Furthermore, as stated in 12 CFR 1016.7, consumers retain the right to opt out at any time, a right I am now exercising with regards to your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: CA

Complaint narrative:
As per the Fair Credit Reporting Act, Section 602 ( a ) of 15 USC 1681 emphasizes the importance of ensuring that consumer reporting agencies carry out their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. Equifax, XXXX, and XXXX operate as consumer reporting agencies, and I, as a consumer, hold the right to safeguard my private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and safeguard nonpublic personal information. Under Section 604 ( a ) ( 2 ) of 15 USC 1681, it is outlined that consumer reporting agencies can only furnish consumer reports upon the explicit written instructions of the relevant consumer. Neither the financial institution nor the consumer reporting agencies, Equifax, XXXX, and XXXX have my consent to furnish this information, as reiterated by 15 USC 6802 ( b ) ( c ), which mandates that financial institutions must inform consumers of their right to opt out of information disclosurea right that was not communicated to me by the furnisher of information. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization, a provision violated in this instance. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports for specific purposes. Equifax, XXXX, and XXXX are failing to uphold these standards. Furthermore, as stated in 12 CFR 1016.7, consumers retain the right to opt out at any time, a right I am now exercising with regards to your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
On XX/XX/2024, I requested to remove my PMI since my XXXX ( based on original purchase price ) XXXX %. The company sent me a letter stating : " The investor for this loan requires confirmation that the value of your home has not declined below the original value of the property. This means we will need to obtain a valuation of your property before we can approve cancellation of PMI. The cost of the property valuation is {$190.00}. Please send a check or money order for this amount payable to us with a copy of this letter to the address below. '' According to federal law since my XXXX is below 78 %, PMI should automatically be cancelled regardless of what my current home value is and I should not have to pay for a home evaluation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On today XXXX I texted Goldman Sachs. Spoke with well texted with a rep.for a long time they never answered any of my question. I told them and a supervisor at least 5 times or more that a previous rep told me from Goldman Sachs once my monthly pmt was made any other pmts made would be applied to my balance. I watched my XXXX XXXX  card balance remain the same for days. My payment was misapplied to my monthly pmt which has already been paid. Talked to a supervisor who would not allow me to speak to someone with authority and I was put out on hold a long long time I was hung up on so to speak The supervisor stated my monthly pmt may be lower but couldnt tell me if it was or not couldnt or wouldnt I had to press for answers on everything g with the supervisor and the rep thats how I found out my pmt was misapplied Please help and apply my pmt correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number documented in attached letter.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313.1 privacy of consumer information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: CO

Complaint narrative:
I have an identity theft problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
XXXX XXXX toyota didnt give me the best of options and were very shady and untrustworthy untruthful and all out scandalous.They didnt inform me of my lenders that i could or should choose from.He asked me how much i had down i said five he said i needed XXXX XXXXWen i actually looked over my papers the car loan actually came from toyota motor credit corporation.I had know knowledge of me being financed XXXXAfter finding out i was signed up for gap tire and wheel mechanical breakdown documentation fee convince fee and several other packages that i didnt know that i spent money on that i was intended to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A charge was made to purchase concert tickets by my daughter on her cell phone using my credit card. The tickets were roughly {$440.00} a piece. We were purchasing two tickets. As the confirmation was done on my daughters phone, a disclosure of the fees charged from this company was not given. I didnt see the total price until I received a message from capital one asking if I made the charge. For the initial instant I replied Y and then immediately replied N realizing that the two ticks that should have cost {$880.00} plus reasonable fees was charging {$1100.00}. I called my capitol one credit card IMMEDIATELY to stop the purchase and this became an ongoing dispute. First they said I had to wait until the charge came out of the pending status. Capital One put a hold on the charge after it came out of pending. The day before the concert the company emailed the tickets to my email. The tickets you didnt want at that price to begin with. Then an hour before the concert the company took back the tickets because there was a hold on the charge. I had to repurchase tickets at the box office for another {$680.00}, However, Capital One is now upholding the charge for the tickets we never got.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not removed outdated personal information after requesting and providing proof of my correct NAME, DOB, SSN and ADDRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: KY

Complaint narrative:
Since last year, I have been going through homelessness and unemployed. I had attempted to log on to StudentAid.gov to sign up for the SAVE Plan but the website would not allow me to sign up until XX/XX/XXXX. In XXXX, I contacted MOHELA to inform the loan servicer of my hardship. MOHELA placed me on an administrative foreberrance. Once I notified the loan servicer that I was able to sign up for the SAVE Plan, MOHELA processed the SAVE Plan but stuck me with having to pay {$1000.00} balance for XX/XX/XXXX. 

I am unable to pay this balance, hence the SAVE Plan. I am still trying to recover from homelessness struggling with employment. MOHELA requiring me to pay the {$1000.00} XX/XX/XXXX balance will land me in default after I have enrolled in the SAVE Plan. I reached out to the MOHELA Ombudsman for resolution and have not received a response.

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Nelnet, Inc.
State: MO

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal. Per 15 USC 6802, also in conjunction with 16 cfr 313.1, privacy act of 1974 and mainly protected by FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: IL

Complaint narrative:
I believe FCRA 605B means they should remove incorrect accounts from credit reports. Can you please check the documents? Some accounts on my report are wrong, and it's making me upset and sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: KEYCORP
State: NY

Complaint narrative:
unauthorized inquires in which in I never applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2022 to Experian. Here is my tracking number.. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been unable to open a banking account with any bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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 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