vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have mailed Capital One 's CFO XXXX XXXX XXXX, CFO 3 times in regards to Tender of payment for the bill of exchange, have not received any response.

I sent them my security.

I am disputing all past current and future certificate of indebtedness on this account.

ALSO I am writing to claim my Titles, Rights, Interest, and Equity in connection with my closed account referenced above. As the investor and holder of the security used to open this account, I am owed all interest and equity derived from the associated contract. 

Please note the following : No accounts actually close : Even though the account may be marked as closed, the security continues to trade on the private side. Therefore, I claim my equity and interest owed to me as part of this process.

I entered into this contract in good faith, providing you with my secured collateralthe application itselfwhich is tied to the account and acts as security. As such, I am entitled to equal consideration under the contract, including any interest earned. 

Full disclosure is required by law. I demand confirmation regarding the handling of the interest on this account. If no interest has been provided to me, this constitutes a serious violation of SEC Securities Law.

Per 15 USC 1615, anything over {$1.00} must be returned to the rightful owner. I provided you my security, and I expect my rightful share of the interest and equity generated by it.

Capital one is also trying to collect on a " charge off '' when a charge off is considered income per the IRS which is against FDCPA.

Violation of TILA Securities fraud.

My account was never credited Via Electronic Funds Transfer Act from the dividend payment that capital one got from the interest of my treasury coupon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: DISCOVER BANK
State: NH

Complaint narrative:
I requested the release of all records when Discover lied about not having a contract to pay off the amount I owed. They screamed and yelled and threatened on the phone. I said why would I struggle to pay you {$50.00} a month if I did not have a repayment plan Do you think I am that XXXX.? well obviously they do because here we are 2 years later in another state and the XXXX XXXX. Think I accept whatever they send me. No I don't. They sent papers copied in envelopes that were not secured. XXXX was open in the mailbox. They can still lie on paper. They have and still do. Release the audio boyz. They won't because it shows I am telling the truth. Why more money to persecute me? They have spent more than {$1000.00} to get not XXXX but a XXXX judgement for XXXX that I owe. They are XXXX.So are their lawyers. XXXX XXXX XXXX XXXX. I still have to provide shelter, food, heat, water, electricity. There is nothing left. May they go bankrupt with out any bailouts and they lose it all. They have done this to others it is persecution of the poor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Account Nbr : XXXX has been and is being reported on my credit incorrectly and needs to be deleted in accordance with the FCRA Section 15 USC 1681. I am a natural person, I am a living human being with rights under such law which governs credit reporting.

According to 15 USC 1681, I have the right to privacy and give neither XXXX, XXXX nor XXXX to report the above account with the various discrepancies affecting me as a human being. 

In accordance To 15 USC 1681 s-2 A person or company shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if_____ ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is in fact, inaccurate. 

I can go on and on and on ......

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
EARLY WARNING SERVICES HAS OBTAIN MY PERSONAL RECORDS AND ARE SHARING MY BANKING/FINANCIAL INFORMATION WITH. NON-AFFILIATED THIRD PARTY LENDERS WITHOUT MY KNOWLEDGE OR WRITTEN CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: SERVISFIRST BANCSHARES, INC.
State: NC

Complaint narrative:
ServisFirst Bank ran a hard credit inquiry on my credit XX/XX/2024 without my consent. My account has been in outstanding good standing with no lates, adverse actions etc. Im requesting to have this inquiry removed as it has drastically lowered my credit score that Ive worked very hard to build.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
My vehicle was financed through Santander Consumer USA on XX/XX/XXXX and my first payment was due on XX/XX/XXXX with the XXXX monthly being my due date. I've made several extra payments with this company and it has not reflected on my statements showing my correct due date. I've reached out to them several times via phone XXXX XXXX XXXX on XX/XX/XXXX @ XXXX XXXX call, XX/XX/XXXX @ XXXX min call, XX/XX/XXXX XXXX min call, XX/XX/XXXX XXXX XXXX call, XX/XX/XXXX @ XXXX XXXX min call, XX/XX/XXXX @ XXXX XXXX min call. Each call after the 1st call the representatives were very rude and unwilling to assist me. I only wanted my due dates to be corrected according to the extra payments I've made and clearly Santander is giving me a hard time & is NOT wanting to correct it which is why I've reached out so many times. I've also tried reaching out via messaging online with Santander on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, and XX/XX/XXXX @ XXXX but still no response. 
I am a good paying customer and Santander has giving me service from XXXX since day 1 simply b/c I am making extra payments and I feel like I have been violated and possibly discriminated against by Santander Consumer USA due to this. I am asking they correct this immediately or I'm demanding the agreement be null and void with them due to unfair practices on Santanders part. 
Paymens made - 1st pymnt for {$670.00} on XX/XX/XXXX, XXXX {$1600.00} on XX/XX/XXXX, XXXX {$100.00} XXXX, XXXX $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, {$38.00} - XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XXXX, $ XXXX XXXX, $ XXXX XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX, $ XXXX XX/XX/XXXX. 
Thank you CFPB for taking time to investigate this matter and to ensure predatory lending and violation of consumer protection rights are not taking place with Santander Consumer USA. Each time I reach out customer service, I get a rude representative unwilling to assist and rushes me off the phone after I've waited on hold with them for over 30 minutes most of the time. My worry is that if this is taking place with me and I'm paying as should what predatory practices are occurring with other thousands of customers that they have who are unwilling to speak out at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally request the removal of a fraudulent account from my credit reports. In or around XX/XX/year>, my card issued by XXXX was compromised. Upon discovering the fraudulent activity, I promptly contacted XXXX to report the issue. They subsequently canceled the account ; however, no one contacted me to review the fraudulent charges or provide clarification regarding the investigation. 

Despite my repeated requests, I have not received any information or an explanation from XXXX regarding the investigation. The physical card number was stolen, which XXXX has claimed is impossible. However, from my research and reading similar cases online, it seems such thefts are not uncommon. 

Unfortunately, this fraudulent account and its charges are still being reported on my credit files, negatively affecting my credit standing. As these charges were made without my knowledge or authorization, I kindly request that you assist me in having this inaccurate information removed from my credit reports at all relevant credit bureaus. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally request the removal of a fraudulent account from my credit reports. In or around XX/XX/year>, my card issued by XXXX  was compromised. Upon discovering the fraudulent activity, I promptly contacted XXXX to report the issue. They subsequently canceled the account ; however, no one contacted me to review the fraudulent charges or provide clarification regarding the investigation. 

Despite my repeated requests, I have not received any information or an explanation from XXXX regarding the investigation. The physical card number was stolen, which XXXX has claimed is impossible. However, from my research and reading similar cases online, it seems such thefts are not uncommon. 

Unfortunately, this fraudulent account and its charges are still being reported on my credit files, negatively affecting my credit standing. As these charges were made without my knowledge or authorization, I kindly request that you assist me in having this inaccurate information removed from my credit reports at all relevant credit bureaus. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.

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 2024-10-05 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:
I am writing to formally dispute serious inaccuracies regarding my accounts with the following companies that are reported on my XXXX, Equifax, and XXXX reports : XXXX with XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX 
This matter is not just an inconvenience ; it is an outright misrepresentation that demands immediate attention. 
Despite my previous communications on XX/XX/year> and XX/XX/year>, there has been no resolution to the discrepancies I highlighted. The lack of response from all 3 credit bureaus and actions on their part is unacceptable, and I expect a prompt and thorough investigation. 
Details of the Dispute : Nature of the Dispute : According to the FCRA laws sections 605b ( a ) and 15 USC 1681 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. I have the right to privacy please send proof of my written consent that I authorized you to report or obtain my information or remove my account. 
Supporting Documentation : I have enclosed my FTC Report with Ref number XXXX ; ID ; and bank statement as proof of my identity.

I expect this matter to be resolved within 5 business days from the date of this letter. If I do not receive a satisfactory response, I will escalate this issue further, which may include filing complaints with consumer protection agencies and considering legal action.

Your prompt attention to this matter is not just expected ; it is required. I look forward to your immediate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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:
I am writing to formally dispute serious inaccuracies regarding my accounts with the following companies that are reported on my XXXX, XXXX, and Experian reports : XXXX with XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXXXXXX XXXX  XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX with XXXX XXXX ; XXXX with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX 
This matter is not just an inconvenience ; it is an outright misrepresentation that demands immediate attention. 
Despite my previous communications on XX/XX/year> and XX/XX/year>, there has been no resolution to the discrepancies I highlighted. The lack of response from all XXXX credit bureaus and actions on their part is unacceptable, and I expect a prompt and thorough investigation. 
Details of the Dispute : Nature of the Dispute : According to the FCRA laws sections 605b ( a ) and 15 USC 1681 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. I have the right to privacy please send proof of my written consent that I authorized you to report or obtain my information or remove my account. 
Supporting Documentation : I have enclosed my FTC Report with Ref number XXXX ; ID ; and bank statement as proof of my identity. 
I expect this matter to be resolved within 5 business days from the date of this letter. If I do not receive a satisfactory response, I will escalate this issue further, which may include filing complaints with consumer protection agencies and considering legal action.

Your prompt attention to this matter is not just expected ; it is required. I look forward to your immediate response.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment.

Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 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: IA

Complaint narrative:
On XX/XX/year> Mohela deducted {$570.00} from my account. This was the incorrect amount. It was supposed to be {$100.00} on XX/XX/year> and {$470.00} on XX/XX/year>. I called repeatedly and uploaded my bank statement to show they money was deducted. They still have it listed as delinquent. On XX/XX/year> they did the same thing. They deducted {$570.00} from my account. It currently says I am {$1100.00} delinquent on my account. I have autopay. This shouldn't have happened. I have turned the autopay off for my XXXX payments. There is no answer from them on how to find my money. This is hurting my credit score because they say I'm delinqent when they are the ones who took the money and can not find it.

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