vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Refused to credit the late fee reason : no option available to reverse the XXXX late fee. 
My XXXX XXXX ACCOUNT due date is the XXXX of each month, I paid my monthly payment on the XXXX of XXXX BUT the app option did not allowed me to schedule the payment on the same day which was the XXXX instead it only allowed me to make the payment until the following day of the XXXX. Today, I contacted XXXX XXXX XXXXXXXX CREDIT CARD request my call to be escalated, spoke with XXXX, Senior Account Representative and he indicated no option to reverse the XXXX late fee because the cut off time is eastern time XXXX XXXX I explained to him I am in CALIFORNIA pacific time and I made my payment on the XXXX, he explained that he understands but is unable to reverse the late fee, I asked for a copy of the agreement and he said he will send to me in a month, he also said this will not affect my credit reporting but it is considered late. I told him that pursuant to CALIFORNIA LAW a late fee should not be assed until after XXXX on the due date. He said to go ahead and file a complaint with the state attorney general and with you if I wish to get this late fee reversed. As of the date of this complaint I have not received a copy of the legal contract. This is unfair business practices act violation within my state and I do not want to become a victim of late fees when I am making my payment on the due date according to my time zone. The payment method used to make the payment placed a hold on my bank account on the XXXX and not in the XXXX, CAPITAL ONE secured the payment on the XXXX but processed until XXXX, unfair I want the XXXX to be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
XXXX XXXX Account # XXXX. 

XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Account # 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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was banking with chime {$5000.00} plus dollars came up missing out of my checking account ask repeatedly for help an statements! Next they closed my account .I up loaded XXXX XXXX XXXX so they can see it was not me an still no help or investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification dispute. XXXX Account # XXXX is old and is reporting 10 years on my credit report. XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old XXXX Account 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 2024-02-19 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: IL

Complaint narrative:
15 us 1681i INCOMPLETE INFORMATION ON MY CONSUMER REPORT Transunion is reporting old, incomplete and inaccurate information on my consumer report. 
this is the second week that Transunion has reported old, incomplete AND inaccurate information promptly delete XXXX  promptly delete XXXX XXXX reported on XX/XX/2024 promptly delete JXXXX reported on XX/XX/2024 evidence is attached below

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 2024-02-19 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: TX

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 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 2024-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
There is a debt collection agency by the name of COLUMBIA DEBT RECOVERY LLC DBA GENESIS MANAGEMENT. This company sent correspondence in the past stating that they were licensed to collect in the state of TENNESSEE. This debt collection company is not licensed to collect in TENNESSEE. TENNESSEE require debt collection companies to have a legal license to collect debt. The company was registered in TENNESSEE but has no legal license to collect debt. The statement saying they were, is a lie and a violation per 15 USC 1692e ( 10 ), 15 USC 1692d ( 2 ), and since they are damaging my financial reputation, they are violating 15 USC 1692d ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
These inquiries are not authorized by me and are unrelated to my financial activities. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: NE

Complaint narrative:
I was looking at my credit profile and noticed there was inquiries that are not mine

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 2024-02-19 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: Continental Finance Company, LLC
State: TN

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802.

THE PRIVACY ACT OF 1974. 

( 15 USC 1611 ) Criminal liability for willfully and knowing violations.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting.

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.

( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

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 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
In XX/XX/2023, I rented a vehicle with XXXX ( XXXX, CA ) and XXXX told me they cancelled the original reservation I reserved as they were going to make a new one for me in office and cancel the old one. I paid for the new reservation at the XXXX, CA branch. In XX/XX/2023 they sent me a bill of {$500.00} saying it was for the rental, but they had told me they cancelled the old reservation already. I had called and they told me it was a mistake on their part and they will remove the charge. Since then I have received a bill every month and every time I got the same bill of {$500.00} I had called with my Father as we were both told that I do not owe that amount. We spoke to several supervisors and employees from corporate and they all said I do not owe it. I called the XXXX, CA branch as well and they told me I do not owe and there is no balance owed. I would like to get this resolved so it is not reflected on my credit. The original employee I spoke to, told me verbally multiple times that the original reservation was cancelled. This total that I do not owe has just been sent to debt collections after being told multiple times that I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
This is my Second Notice to Equifax For there Further Identity theft of Non public information thats inaccurate and been deleted XXXX and equifax In reference to XXXX  Account number XXXX XXXX I do not understand the discrimination and and defamation on top of the identity theft methods Equifax is applying to me as a consumer I have explained in the last complaint and numerous complaints before why this account should not be reporting on my consumer file But equifax continues to dishonor me and never sent me the notice of investigation properly notifying me my concerns are being investigated Which is a violation to 15 U.S. Code 1681d - Disclosure of investigative consumer reports b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than days after the date on which the request for such disclosure was received from the consumer or such report was requested, whichever is the later 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notiWcation of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


I never received any notice of investigation in the mail And to cap off This Further discrimination of equifax towards me Equifax has supposedly Responded To my XX/XX/XXXX cfpb Dispute referring to XXXX XXXX accounts that has nothing to do with that cfpb complaint that addressed Equifax aggravated identity theft on reporting of XXXX account XXXX XXXX So as my Second notice to equifax I am still Charging XXXX dollars each day this Non public and inaccurate information is still on my report I am giving equifax ten days to remove information off Report Or the next step I will be filing a identity theft report and submit a complaint to the Federal Trade commission and XXXX XXXX XXXX And United States congress I have attached documents below showing the Cfpb complaint That was supposed to be investigated Along with the XXXX  account I am referring to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Equifax, LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Equifax, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Equifax had possession of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I started shopping for mortgage rates on XX/XX/year>. 

On XX/XX/year>, I applied for pre-approval, resulting in a hard inquiry. This inquiry is listed as : XXXX XXXX XXXX via XXXX XXXX XX/XX/year> Then, on XX/XX/year>, I applied for a second pre-approval, shopping for better rates. This resulted in a second hard inquiry, listed as : PENTAGON FEDERAL CRE via XXXX XX/XX/year> According to the FCRA, multiple hard inquiries for the purposes of mortgage lending/pre-approvals within a 14-day window are only counted as a single hard inquiry on my credit report. However, this is not the case currently. 

XXXX/PENFED have the inquiry coded incorrectly, as several others have discovered themselves. Now that I am going through the lending process again, these multiple hard inquiries have had a negative effect on my credit score. 

This should be resolved immediately.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. I never gave them written consent to report them. This is aggrevated identity theft and against the law per 18 U.S. Code 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. I never gave them written consent to report them. This is aggrevated identity theft and against the law per 18 U.S. Code 1028A.

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