vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On my profile there were XXXX hard Inquiries Date XX/XX/2024 described as auto loan With the companies name of XXXX XXXX CApital one auto finance XXXX XXXX XXXXXXXX XXXX XXXX Capital one auto finance. 
These hard inquiries gon na be a big trouble for me when i will actually looking for a auto loan approval.It will stop me to finance anything for more than a year. Request to remove these hard inquiries so I could look forward. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: PA

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX, i was working whenever i received a call from my bank USAA stating someone was attempting to take {$1000.00} from my savings account. i was worried and my family has had scammer issues lately, so i believed it in the moment. During the phone call I was sent texts with verification codes claiming to be from USAA, so i gave it to the caller. They asked to guide me by telling me to share my phone screen with them, and help transfer funds from my savings account to my checking account. Then they told me I was going to get a new card and to temporarily hold the funds on a card they gave me information for in the downtime. then i began transferring funds in the balances told : On XX/XX/XXXX around XXXX - + {$500.00}, + {$510.00}, and + {$520.00} were added onto XXXX XXXX XXXX then transferred {$1500.00} to XXXX XXXX XXXX XXXX callers card info ). Again on XX/XX/XXXX around XXXX + {$520.00}, + {$540.00}, + {$510.00}, + {$520.00}, + {$500.00}, + {$200.00}, were added again onto XXXX XXXX XXXX, next another transfer was made to XXXX XXXX XXXX for {$2700.00} for a total of {$4300.00} sent to the card information i was told to temporarily hold funds on. 
After these transactions they told me i would be receiving the card i just transferred all the funds onto, and my current ( at the time ) debit card would be compromised. it was followed by the caller swiftly hanging up and then called my parents to tell them i saved my account, my bank just called and they told me the area code of the Caller ID calling me didnt match my banks location. We realized i was scammed so I left work to go home and call USAAs fraud department, sparking an investigation. 
I released all the evidence of the incident through screenshots of the transaction history and the brief card information available still on the account. i also gave them the phone number that called me but after many days i was given a provisional credit which was revoked upon the cases decline. Prompting me to contact CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went into a Chase branch in XX/XX/2023 to open a trust account. The account had to get legal approval and this took about two weeks. I had to provide certain documents from my private trust to the bank before being approved to open the account. The documents were provided twice, on two different occasions. I was then called by the branch to come in a complete the account, because of the authorization from the bank 's legal department. So I proceeded to open the account. The account was open and after a few weeks, I received a text message from # XXXX which I thought was a scam or fraud, because the message was not backed up with a phone call or an email. So I called the banker, who opened the account for me and he looked into the matter. After he looked into the matter I received a letter, that the bank needed more documents from my trust, which again are private. And the banker also looking into the matter. he emailed the documents to whatever department that needed the extra documents, and then I received another text from # XXXX, so I called the number on the letter and was told what to send to them. The information was transmitted and now Chase said they can not open that type of trust for me. I do not know what that means, I feel discriminated against, and Chase has not made any additional contact with me to explain why my trust account can not be opened with them. All their text says we need more documentation The letters say the same. And legal gave the banker the okay to open the account. The departments aren't talking to each other and no one knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NJ

Complaint narrative:
On XX/XX/year>, I received an alert from Experian Credit showing I have exceeded my Department of Education XXXX loan credit usage limit by 101.78 %. As a result, my credit score decreased by XXXX points. I contacted XXXX the servicer, and they did not report the deferred XXXX  as a revolving credit card, with a usage balance limit. Experians algorithm miscategorized the deferred XXXX  loan. I contacted Experian to inform them that the deferred XXXX  loan was miscategorized, reporting as a credit card, with usage balance/limit ( see attached snipped photo ). Experian explained that they have not seen this before, and that they would start a dispute. Experian also, recommended that I should report it to the CFPB to have the algorithm parameters change. I am reporting this incident, because I am expecting full resolution and restoration of my credit score, and the Experian algorithm changed/adjusted.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''

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 2024-02-15 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: FL

Complaint narrative:
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX  '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX  '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was summoned to court by Midland Credit for XXXX credit cards that I do not ever recall opening. My name is XXXX XXXX and the statement of the credit cards have XXXX XXXX. When I first went to court, they sent me home and then summoned me again regarding these cards of which I told them that they do not look familiar and that my legal name is XXXX XXXX. They told me to go home and submit a fraud inquiry if I wasn't sure those were my cards, that is what I am doing today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance.

In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have XXXX companies who have violated my rights that Equifax has reported on my credit report. XXXX hard inquiry by XXXX XXXX XXXX XXXX XX/XX/2023 i did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: TN

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. 

Account Name : XXXX XXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2024-02-15 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: TN

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FactorTrust, Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting Act 15 USC 1681 section 602 it is needed to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I'm the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. The financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbel, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A Financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is giving an explanation of how the consumer is giving an explanation of how the consumer exercise that nondisclosure option. Never was I informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 conviction of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again with out my permission which is against the law. 15 U.S. code 1681s-2 ( a ) ( 1 ) A states " 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. 15 U.S code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section reports to the purposes listed under section 1681 b of this title. XXXX and XXXX are not maintaining reasonable procedures, also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Put what you think would be a fair resolution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
The auto was refinanced with another lender and the loan with Stellantis was paid by the new lender. The 10 day payoff provided by Stellantis was incorrect as the new lender payoff sent was overpaid by {$210.00}. I have called three times on the status of the check. Stellantis keeps saying the check is effectively in the mail. I was told that the check was sent on XXXX XXXX, 2024. They have not given any other information on the status of the refund. They have said that they would be sending a new check as the first did not reach us BUT haven't told when the new refund would be sent nor have they contacted me to update the status of the return of funds. I call on XXXX XXXX, 2024 and spoke with XXXX, he said the check was sent. I called on XX/XX/year> and spoke with XXXX XXXX, said would send a new check. I called on XX/XX/year> and spoke with XXXX XXXX who told me the same as XXXX XXXX. None have given me the sent date of any new check. Stellantis is refusing to return the overpayment on this loan. They have made no efforts to contact me on the payback and I have to call multiple times and ask where for the return of funds.

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 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXX XXXX XXXX ( Finance ) XX/XX/2024 CAPITAL ONE ( Bank ) XX/XX/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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:
In the course of reviewing my credit report, I spotted an erroneous and unverified account that need reporting and correction through your company.

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