vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Kia motor finance is charging me late fees for a bill that was for tolls sent to them they they did not pay for 3 months plus. I paid the tolls, they now want me to pay their late charges for their inability to pay their bills on time!

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-27 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: GA

Complaint narrative:
The continuous monthly reporting of this charge-off for XXXX misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

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 2024-09-27 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: IN

Complaint narrative:
TRANSUNION 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 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 2024-09-27 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: IN

Complaint narrative:
XXXXXXXX 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 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 2024-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I successfully opened a checking account and a savings account with Capital One. I also deposited {$50000.00} into these newly opened accounts. 

Around a week later, when I called Capital One 's customer service to access my account details through a third-party tool, I was informed after being on hold for XXXX minutes that Capital One had decided not to do business with me in XXXX. 

When I inquired about the reasons behind this decision, I was told that there was a case reviewed back in XXXX which led to the determination that Capital One would not offer any services to me in the future. However, no further details were provided despite my repeated requests for clarification. On the contrary, I got a car loan from Capital One in XXXX which ended in XXXX. I never failed to make a payment, was in any debt other than a house loan, and have maintained a very good credit score of XXXX for 25 years. 

Before I could even submit a complaint online after our phone conversation, Capital One locked my online access to the accounts. 

I expressed frustration and disappointment with Capital One 's lack of coordination and transparency, as they allowed me to open new accounts and accept a {$50000.00} deposit, only to later deny my services without a clear explanation. I mentioned losing over XXXX business days ' worth of interest on my {$50000.00} deposit and wasting valuable time due to Capital One 's mishandling of my accounts; but they abruptly ended all kinds of discussion with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: HI

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Credit Acceptance Account No. XXXX XXXX XXXX XXXX XXXX XXXX My vehicle ( described above ) was recently repossessed from my home in XXXX, Florida, on XX/XX/XXXX, and taken to a location in XXXX XXXX. Im contacted Credit Acceptance and was advised that if she made all payments on or before XX/XX/XXXX, im could go and retrieve my vehicle in XXXX XXXX. On XX/XX/XXXX, six ( 6 ) days before the deadline, i made all payments owed and due to Credit acceptance. After me made the payments, i contacted Credit Acceptance to schedule the pickup of my vehicle. I was then advised that the vehicle was sent to XXXX, Florida, 4 hours away from my home. 
It is obvious that properly reinstated my loan. It is also obvious that the transfer of the vehicle to XXXX after promising to keep the vehicle in XXXX XXXX until XX/XX/XXXXh was improper and violates the FDCPA. 
I have a XXXX year old son with XXXX XXXX XXXX, my husband is a XXXX and he is not home right now. It is very hard for me with a XXXX XXXX without a car. I can't go to XXXX to get my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-09-27 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:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring Oaks Capital , LLC ( Debt Collector ) violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine. 

SPRING OAKS CAPITAL , LLC has failed and or refused to represent the required and requested legal receipt from the original creditor displaying the specific account it claim to now be the rightful owner of, terms and conditions, my rights as a consumer, date purchased and alledged exact amount in questioned. Along with New York State consumer affairs number that indicate it posses the legal right to attempt to collect a debt from a New York resident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was a victim of identity theft twice over the years. I have lost every bank account I had due to this situation, and I have yet to regain access to any of my accounts that I had with XXXX, Navy Federal, and XXXX XXXX XXXXXXXX before all this happened. In reference to Navy Federal, I was dealing with the death of my XXXX XXXX  when I initially found out about it, so I did not dispute or address anything right away. When I did, I was denied access multiple times after being a member with them going on 10 years. I filed a total of XXXX appeals and was still denied. Feeling like I was running out of options I contacted the XXXX XXXX XXXX XXXX XXXX XXXX who the banks use to run customers consumer reports before allowing them to open a bank account to dispute the information the banks provided to them. In doing so I provided the police report & letter from the Federal Trade Commission and the information was removed from not only my XXXX XXXX  report but XXXX XXXX XXXX  as well. I feel like if they could except the documents I sent in and take it off my report then why can't Navy Federal rescind their decision to stop doing business with me. I've been a member going on 10 years with Navy Federal and to be treated like the accuser instead of the victim is sickening to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
I have disputed XXXX XXXX regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information. 
15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  # XXXX and Caine and weiner has violated my rights.15 USC 1681section602A.states I have the right to privacy.15USC.1681.section604Asection2.it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681 c.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 then records of convictions of crimes which antidatesthe report by more than seven years.15USC1681=2a1a.a person shall not furnish any info relating to a 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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Friday XX/XX/year> I requested XXXX XXXXXXXX XXXX credit to checking account and the telephone operator said she did not have authority to do that. I believe she was illiterate of equal credit opportunity act. Customer had 100 percent available credit for transactions.

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 2024-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I recently check my credit report and notice that CAPIO PARTNERS LLC is reporting on my credit report. I have never receive a notice from them notifying me of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
- XX/XX/XXXX I visited a XXXXXXXX XXXX location and closed my checking account which at the time had a {$0.00} balance. I confirmed with the branch there were no outstanding checks as I never ordered nor wrote checks against the account. 
XXXX I receive a letter from a collection agency stating I have an outstanding balance with XXXXXXXX XXXX and presented payment options. 
- I received XXXX pages of statement history. From XXXX to XX/XX/XXXX, XXXX of the XXXX pages contained actual charges/ deposits/ withdrawals. The other pages showed an account going further into the negative balance as fee piled on top of fee. After I closed my account, suddenly checks from XXXX are presented for tender in the amount of {$39.00} and the next line would be XXXX NSF fee {$35.00}. A total of {$140.00} NSF fees, {$90.00} Sustained Over Draft fees, {$2.00} statement delivery fee, {$9.00} account maintenance fee, and on XX/XX/XXXX a {$39.00} XXXX charge was completed. Total fees : {$240.00}. XXXX XXXX of charges after account closure = {$280.00} -Summary. This checking account was closed in person XX/XX/XXXX. The XXXX Account, the source of the NSF fees, was closed XX/XX/XXXX. I am not responsible for these charges as all were created after the account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: FL

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 XXXX XXXX XXXX. 

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 non-monetary relief