vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: SD

Complaint narrative:
On XX/XX/23 Southwest Credit Systems emailed a XXXX bill to an email that was not mine. Luckily, I do know the person that it was incorrectly sent to and they forwarded this on. I feel that this a huge privacy breach. When I spoke to a supervisor at Southwest, she told me there was no way to see how they received the incorrect email address ( whether it originally came from the forwarding company or not ). She updated the information in her system but, as far as I know, that is the only action that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: OH

Complaint narrative:
I have XXXX unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I wanted to inform all parties that in the last XXXX ( XXXX ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.

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 2023-11-21 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: OH

Complaint narrative:
I have five unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: MO

Complaint narrative:
I contacted the credit bureau after I made the complaint through cfvp and they refuse to give me my credit report that refusing me my credit score they told me I needed to send in all sorts of forms of identification approve I was me before they would even give me my score or my report but other people are able to access it constantly and utilize it apparently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one XXXX XXXXXXXX has failed to show proof of this account to be mines. Under 15 US 1681b I give Capital One the right disclose any public information to credit Bureaus. This account is also a violation of 15 Usc 1692e false and misrepresentation of reporting to XXXX and XXXX. For this account has been damaging my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX weeks ago recived my credit repor and noticed 5 accounts open thats not my 1like this accounts to b removed and investigated listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX weeks ago recived my credit repor and noticed 5 accounts open thats not my 1like this accounts to b removed and investigated listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reached out XX/XX/XXXX because my accountant I was concerned about overdraft - {$250.00}. This is the first time I have been in a hardship and overdrafted. I received overdraft fees today XX/XX/XXXX which raised the balance of - {$350.00} three of the fees were reversed which brought it back to XXXX. It still puts my account in the negative. I still have no way of putting money in my account to turn it positive. I have been a loyal customer with chase for over 10 years and I have never had any issues. I reached out again explaining that a merchant had sent out a payment expected to be processed on XX/XX/XXXX they were unable to stop the payment. An agent through chase said she can do a stop payment but it would be a {$30.00} which still puts me in a negative. No one has been able to help me keep my account in good standing. Im about to start looking elsewhere to do my banking needs and banking business if this doesnt get solved. This is the only checking account I have on file and this is where my payments come out for my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved XXXX forbearance. Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance. Enclosed you will find evidence showing that : XXXX. We applied for and were approved for a XXXX XXXX for a VA Loan from XX/XX/XXXX, to XX/XX/XXXX. 
2. Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the XXXX Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a XXXX Forbearance plan. You are not required to make any payments during the XXXX forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the XXXX forbearance period. This has caused us considerable damage, emotional distress, and delayed family projects. 
3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the XXXX forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 
4. Additionally, we were deceived about our repayment options ; Carrington attempted to put us on a loan modification that increased our monthly payment by more than 60 %. 
5. Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. Enclosed are the following articles of evidence : 1. The written statement from Carrington Mortgage regarding our approved XXXX  Forbearance. 
2. The mortgage statements with the XXXX Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 
3. A recent copy of our credit report shows the falsely reported late for XXXX, XXXX, and XX/XX/XXXX. 
4. Carringtons attempt to overcharge us for a loan modification. Records of our attempts to resolve the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I would like a full-review of the process of the home loan with Rocket Mortgage, has let my husband commit a crime. The company has aloud XXXX XXXX XXXX XXXX to get money out of the home loan, State of Texas, if you are married the wife needs to sign off on the loan. At no time did I give my husband or Rocket Mortaage to change the term and condition on the home loan. 
The Mortgage company dis a wire fraud to carry out the scam to impersonate me as the person who was signing off on the loan. 
XXXX XXXX is steal married to XXXX XXXX. Therefore, when the court grant the power that XXXX and XXXX is no longer married then nothing should be done on the account. Rocket Mortgage needs to provide documentation that XXXX XXXX is no longer the rider on the deed. They need to proof that she is no longer married to XXXX XXXX XXXX. 
If they can not provide this documentation that we have a right to take legal actions against the company Mortgage wire fraud is carried out by scammers who impersonate escrow officers, real estate agents or the lender. In this scheme, they attempt to get the prospective homeowner to wire funds into an illegitimate account for financial gain during the closing process. These sophisticated mortgage scams often include crime organizations and untraceable but this time the company was helping to scam XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has an option in checking for " Spending and Budgeting ''. 

The categories are " Spending '', " Income '', " Transactions '' and " Cash Flow ''. 

However not all transactions are included. For example when I pay my Bank of America credit card, it comes through as " Bank of America : Finance : Credit Card payment '', but it does not show in " Cash Flow '' unless I change it to " Finance : Credit Card payment ''. 

That is just one example. They have preset categories and ignore anything else. This is not a " Budgeting '' report if it does not include all transactions. At the very least any transactions that do not fall into one of their categories it should go into " Other ''

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 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1100.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of XXXX privacy rules. 
Requested Action : Delete this item from my credit report.

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 2023-11-21 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: PA

Complaint narrative:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like LVNV Funding LLC to remove all these accounts from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Lease
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I paid my lease payoff amount to XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$12000.00} on XX/XX/XXXX via wire transfer. Wire was payable to XXXX XXXX XXXX XXXX ( XXXX ). They received the money and told me I would receive the title and Bill of Sale within 15 days. I have yet to receive the title or Bill of Sale and am getting the runaround from them ever since. I have spoken with XXXX no less than 10 times since XXXX and have been lied to on several occasions as to the status of my title being sent to me. I was told by a manager named XXXX on XX/XX/XXXX that the title was with their title department at that time and it would be shipped to me within 3 days. That did not happen. I believe they are acting unethically and possibly scamming me. The delay has cost me well over {$1000.00} in the resale value of my car. I reached out to the XXXX  XX/XX/XXXX and have yet to receive any reply from XXXX or an update from XXXX  after they sent my complaint to XXXX. Complaint number with XXXX  is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Send large check for payment. After 6 days, I became concerned because the payment had not posted. I stopped payment on the check out of concern and called Cap One to let them know my concern. Cap one acknowledged receipt of my original check but said it not been processed. I three way conferenced with my bank XXXX XXXX and Cap One. I ask them to go ahead and process my payment to avoid any late fees. They basically said and asked me to resend a 2nd check which would make me past due. This caused unwarranted late fees and I fear a hit on my credit rating. In a nutshell they were so hateful and totaling unwilling to just work with me. I am XXXX XXXX XXXX and battling XXXX XXXX. This has caused so much unnecessary stress. I mentioned that I would potentially file a complaint with the CFPB and they essentially just laughed in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern, this is a formal complaint that Experian has violated my rights.You are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ), ( b ) ( 1 ), ( b ) ( 1 ) ( A ), ( b ) ( 1 ) ( b ), ( b ) ( 1 ) ( c ). I was never giving a opt out notice informing me of my right to opt out of credit reporting services, how not to have my personal information sold or reported to which I have a right to opt out.

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 2023-11-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX INQUIRE ON MY CREDIT. THIS appear on my credit i did not authorized XXXX  to run my credit and my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b error on credit

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I recently received a bill for XXXX XXXX dollars from capital one. 
The cost of renewing membership with XXXX XXXX. 
I never applied for a capital one credit card nor did I activate a card. 
When I joined XXXX XXXX I agreed to the automatic renewal.I received a XXXX XXXX credit card which I activated. 
XXXX change to capital one. 
I never heard from capital one.i assume that was the end. No further action required on my part.I was not going to renew anyway. 
I dont believe capital one should have accepted a charge on a card that I never received or activated. 
Talking with capital one staff lets say they just wouldnt listen. They seem to think that XXXX has the authority to open a credit card account on my behalf. That wrong! 
Capital one also had access to the business that I had conducted with XXXX XXXX. I dont think that should happen either. 
This account should vanish with any effect to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: OH

Complaint narrative:
I have five unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.

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