vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX XXXX am filing this claim against Capital One Auto Finance. Over the last couple of months, Capital One Auto Finance has been wrongfully and fraudulently attempting to collect a debt that I do not owe to them. After researching their claim, I have come to realize that their claims are tied to securities fraud. I have sent out correspondence through certified mail as an attempt to have Capital Auto One Finance resolve the issue and produce undeniable evidence of their claim and they have failed to do so. I DO NOT have any contracts that bind me to any obligations or duty to perform with Capital One Auto Finance, yet they have gone as far as to falsely report false and damaging information to the credit reporting agencies, of which I also DO NOT have any binding contracts giving consent, that I've sent a cease and desist. They have also sent a cease and desist that stated they will no longer contact me regarding this matter, and yet they still do make contact. And during my research, I realized that Capital One Auto Finance does not have a license to collect debt in Florida. I have also communicated my disapproval with said credit reporting agencies ( XXXX, XXXX, XXXX ) that I have not given consent to disclose any of my private information. 
This is my third attempt to try and resolve the issue with Capital One Auto Finance. 
I would like some help in addressing the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to investigate these accounts on XXXX separate dates : On XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX However, they stated everything was complete and accurate after my first request dated on XX/XX/XXXX. But how is that possible if the open dates, dates of last activity and much more is incorrect. I haven't received any notice or letter of a update at all for my request dated on XX/XX/XXXX Enclosed with this compliant will be PDF 's of all letters sent for above accounts and dates. 


According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case, I am also sending a copy of the letters i sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to investigate these accounts on XXXX separate dates : On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX  XXXX - INQUIRY DATE - XX/XX/XXXX However, they stated everything was complete and accurate after my first request dated on XX/XX/XXXX. But how is that possible if the open dates, dates of last activity and much more is incorrect. I haven't received any notice or letter of a update at all for my request dated on XX/XX/XXXX Enclosed with this compliant will be PDF 's of all letters sent for above accounts and dates. 


According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case, I am also sending a copy of the letters i sent to them.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am reaching out for support on an issue I encountered when I attempted to open a new Chase credit card account using the online form ( United Explorer Card ) on XX/XX/23. 
After pressing the submit button I received an error message : " It looks like this isn't working right now. Please try again later. Thanks for your patience. '' ( Image attached ) A few minutes later I filled out and submitted the application again as prompted by the error message the first time. The second time I received a confirmation of a successful application. 
After that, I received two emails in quick succession with approvals for two newly created credit card accounts. 

It appears the first application which gave me an error did, in fact, go through and was accepted despite telling me the opposite. 

I have spoken at length with the phone representatives for account services, lending, and credit - including supervisors. I have had an open case with the Chase XXXX XXXX resolution team for over a month with no progress. Everyone seems to understand the issue but no one has been able to help me with this issue. I have been told that I should not have been approved for two separate accounts for the exact same card but no one can fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my consumer report today, I have seen that there is fraudulent information and account specifically the XXXX XXXX XXXX Just so you know, I make sure to always pay on time in order not to incur any late payments or past dues. But this specific account is showing an instance of late payment which I am sure, a clear inaccuracy. This has caused me so much that I can't even move forward with my life because of this negative item. I attach screenshot. This needs to be cleared ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
I leased a Kia XXXX for 3 years, and returned it at the end of the lease on XX/XX/XXXX. 

I received on XX/XX/XXXX an invoice from Kia XXXX for {$2100.00} for the Excess Wear etc. I am not disputing that. 

I sent XXXX XXXX a check on XX/XX/XXXX. 

On XX/XX/XXXX I sent a follow-up letter asking if the check had been received. I did not receive a reply. 

I called on XX/XX/XXXX, and was told the check had not arrived. I immediately paid {$1000.00} by credit card. 

On XX/XX/XXXX I called Kia Finance again and paid by credit card the balance of {$1100.00} Subsequently I went to a Kia dealer to lease a new car, but was told that my credit report showed a delinquent payment to Kia, which reduced my credit rating by 100 points which meant that I was now not eligible to lease or purchase a car.

I write twice to Kia Finance apologizing for my late payment, but I said I honestly do not feel it was entirely my fault. I explained that my payment was late, but I had not realized my payment had not been received in time. I asked them if they could review my case, with a view to restoring my credit rating so I could go ahead and lease/purchase another Kia. They said they were not prepared to change their decision, and the delinquent payment would remain on my credit report. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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. 
XXXX XXXX XXXXXXXX XXXX  XX/XX/2022 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. these accounts listed are fraud i did not make these inquiries i spoke to the reporting agency and they have violated my rights by not removing these inquires ASAP

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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. 
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 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. these accounts listed are fraud i did not make these inquiries i spoke to the reporting agency and they have violated my rights by not removing these inquires ASAP

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
the credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i he the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions due to these violations of my rights i have been denied use of my va home loan for years and have dealt with constant XXXX even at this point. it has caused me a lot of grief and pain and cost my marriage. the amount of damage that has been caused due to violation of my rights cant be accounted for

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
So today ( XX/XX/2023 ) I tried to log in to my penfed account to pay my credit card only to be kicked with the message I have been blocked on loging to the account. When I called pendfed I was told they need some documents for me to prove I am who I say I am. This resulted in a 2 hr on the phone with me sending in a copy of my passport, driver license, vehicle registration, vehicle title, social security card, Government work ID badge, nexus card before this could get resolved. 

The thing is per the law Banks and credit unions are required to verify your identity when you apply to open an account. This account was opened over a year ago and I have two credit cards with this company that are down to XXXX owed on them from XXXX. They had all that information on file so instead of harassing customers by trying to make it so they can not make their credit card payments they should look at their own incompetence. 

Identity Authentication - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Inaccuracy reported by credit reporting agency which asked to correct Paid as agreed no lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a vehicle in XXXX of 2022 that was financed through Wells Fargo and I started to notice after some months that the fees I was being charged was abnormally high. They are currently charging me a interest rate of 6.39 % and a finance charges of {$5700.00}. My loan amount for the vehicle was only XXXX for XXXXmonths. my finance charges versus my interest rate is extremely high and I believe they took advantage of me. I excellent credit and I have never had this happen to me.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I received an automated text ( no call ) about medical debt requesting me to give them information about my debt. The debt amount was NOT listed nor did they tell me I could dispute this. I also sent formal letters to multiple debt collectors beforehand informing them about being on the FTC do not call list and asking them to cease all contact with me and this MIGHT be one of them, but they still contacted me anyways despite my formal do not contact request. 

They contacted me from : XXXX They gave me a reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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