vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a hard inquiry on my credit report on XX/XX/ 2024, for Kohl's/CapOne. I have never applied for a credit card from them. I contacted KKohl 's and Capital One. Both parties said they don't have any application or account open under my social security. Today, XX/XX/ 2024, I received Kohl 's credit card. I talked to customer service, and she said she would report it, but no further action was needed. I can not believe how they got my information since I never applied for a credit card. There is a security breach or illegal data sharing without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: NY

Complaint narrative:
I kindly request that you undertake a comprehensive review aimed at removing any instances of disseminating inaccurate information. Furthermore, I urge you to meticulously conduct a validation process encompassing all relevant data to ensure the integrity and accuracy of the information being disseminated.

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been contacting Capital One for remedy as I transfer my account to trust. I requested a copy of the promissory note and the agents of the company had no idea what I was referring to. After reading the SEC documents on fraud of a promissory note. I am sure that Capital One is practicing the same fraudulent behavior outlined in that document : https : //www.sec.govXXXX After reading the trust indenture that Capital One has with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am the note holder aka investor of the company. I should be receiving principal and interest payments. This is another example of SECURITIES FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MD

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi! My personal information ( including my name, date of birth, email address, and social security number ) were leaked in the XXXX XXXX data breach last XX/XX/XXXX. Since then, people have tried to open numerous fraudulent accounts using my information ( including fraudulent applications for credit cards with XXXX and XXXX ). 

Most recently, someone opened a fraudulent checking account with Chime using my name, email address, physical address, and social security number. The account was opened in XX/XX/XXXX. I believe it may actually be Chime itself that opened the account ( perhaps a la XXXX XXXX ). The account weirdly included my newest address ( which has NOT been leaked in any data breach, at least as far as I am aware and I have all my information monitored for sale on the dark web ). Chime also required no identity verification to open the account because all of my credit files are frozen/locked and my email never received a verification email. The whole thing is really fishy and I had a pretty difficult time getting Chime to delete the account. I am also not the only person to have this experience ; there are several long threads on XXXX ( linked below ) with many other people who have had similar experiences. 

https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I filed a dispute with Experian about report # XXXX for {$58000.00} By the Child Support Enforcement. At the time of mentioned dispute I informed the two agencies that according to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Furthermore i informed the agencies that Child Support was declared unconstitutional in a Minnesota Supreme Court ruling for violating the seperation of power riquired by the Minnesota Constitution in Article 3 Section 1, and Child Support Agencies actions are also unconstitutional due to lack of Probable Cause. I then instructed Experian to please removed the items from my credit report because I dont consent to the information that is being reported. As a result of this dispute Experian closed the dispute claiming the Child Support Enforcement Agency certified the information without addressing the issues in the complaint nor showing Probable Cause for the actions taken by the Child Support Enforcement Agency.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I recently checked my credit reports and am disputing a late payment entry that has been reported by LEXUS by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/24 a certified mail to lexus and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXXXXXX XXXX, evidence of first check mailed ] to substantiate my claim and my good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX,2024 Dispute of Inaccurate Information on Credit Report - Violation of 15 USC 1681i ( 7 ) To Whom It May Concern I am writing to dispute the accuracy of certain information listed on my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i ( 7 ), I am formally requesting an investigation and correction of the disputed items. Below is the inaccurate information I am disputing : Account Name : XXXX Account Number : Not Available Account Details : Not Available This information is inaccurate and does not belong to me. I have carefully reviewed my records and can confirm that I have never had any association with the aforementioned account. Its inclusion on my credit report is a violation of my rights under the FCRA. Furthermore, as per 15 USC 1681i ( 7 ), you are obligated to promptly investigate any disputed information and remove it from my credit report if it can not be verified. Therefore, I request that you conduct a thorough investigation into the validity of the disputed item and provide me with the results in writing. Please note that under the FCRA, you have 30 days from the receipt of this letter to complete your investigation and inform me of the results. If you are unable to verify the accuracy of the disputed item within this timeframe, you must remove it from my credit report as required by law. I expect your prompt attention to this matter and request that you update my credit report accordingly. Failure to comply with the FCRA requirements may result in legal action. Thank you for your immediate attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.

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 2024-04-03 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX,2024 Dispute of Inaccurate Information on Credit Report - Violation of 15 USC 1681i ( 7 ) To Whom It May Concern I am writing to dispute the accuracy of certain information listed on my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i ( 7 ), I am formally requesting an investigation and correction of the disputed items. Below is the inaccurate information I am disputing : Account Name : XXXX Account Number : Not Available Account Details : Not Available This information is inaccurate and does not belong to me. I have carefully reviewed my records and can confirm that I have never had any association with the aforementioned account. Its inclusion on my credit report is a violation of my rights under the FCRA. Furthermore, as per 15 USC 1681i ( 7 ), you are obligated to promptly investigate any disputed information and remove it from my credit report if it can not be verified. Therefore, I request that you conduct a thorough investigation into the validity of the disputed item and provide me with the results in writing. Please note that under the FCRA, you have 30 days from the receipt of this letter to complete your investigation and inform me of the results. If you are unable to verify the accuracy of the disputed item within this timeframe, you must remove it from my credit report as required by law. I expect your prompt attention to this matter and request that you update my credit report accordingly. Failure to comply with the FCRA requirements may result in legal action. Thank you for your immediate attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i am disputing an inaccurate and incomplete item on my credit report with XXXX, EQUIFAX, AND XXXX, they are all reporting different information on each report which is a violation of the FCRA, 15 USC 1681e ( b ).

It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. since its not 100 % accurate and complete it needs to be deleted from my credit report. 

i have attached exhibits from each website with my letter for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NC

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I received a response XXXX XXXX from XXXX XXXX, Senior Specialist at Synchrony Bank concerning the complaint I previously filed with the CFPB. At the time of my business with Synchrony Bank, I did not unknowingly realize I was paying a debt with a debt note ; neither did anyone at Synchrony inform me which is expected. Synchrony Bank never credited my account via the Electronic Funds Transfer Act from the dividend payment made from my treasury coupon. Yet, had the audacity to charge off my paid account ( which was consistently gaining profit using my application to trade on the secondary market ) and insist that they took a loss. This is a clear violation of securities fraud. Furthermore, creditors are not allowed to collect discharged debts. I have proof from multiple voicemails your company has left on my cellular device day in and day out. 

15USC1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obigor, the creditor shall- A. Credit the amount of the credit balance to the consumer 's account ; B. Refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C. Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than 6 months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. 

Second violation : Mail Fraud [ 18USC1341 ] Securities are to be sent in registered form ONLY which is on your 8k/10k form that you publicly filed and agreed to abide by with the Securities and Exchange Commission 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 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Ava Finance, Inc
State: FL

Complaint narrative:
It is not a hard inquiry but I did not know where to classify it. I have a closed Ava Finance Inc account reported in my XXXX credit report closed on XX/XX/year>. I did not authorize any opening or closing of the account, so I do not recognize the account I recently saw in my bank account an ava finance transaction made with a debit card that had its data compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX I am writing to dispute and bring to your attention an issue regarding the unauthorized disclosure of my Nonpublic Personal Information, as protected under 15 U.S.C. 6802.

I recently became aware that my personal information, which is supposed to be held in strict confidence by your institution, has been disclosed without my consent. The nature of the disclosure raises concerns about the privacy and security of my financial information. 


The details of the unauthorized disclosure are as follows : ( LOBEL FINANCIAL ) XXXX XXXX XXXX, XXXX CA XXXX Im again requesting that your institution conducts a thorough investigation into this matter and takes appropriate actions to rectify the situation because under the 15 U.S. Code 6802 section b, it states, a financial institution may not disclose non public personal information to such financial institution or any 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 prescribe 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 institution and such parties ; and ( c ) The consumer is given and explanation of how the consumer can exercise that nondisclosure option. 





I am also requesting that you provide me with a written response detailing the findings of your investigation and the steps taken to address the situation. Additionally, I would appreciate information on how your institution plans to enhance its safeguards to ensure the privacy and security of my Nonpublic Personal Information.

Again, Ive carefully reviewed my consumer report and identified the above-mentioned accounts as Nonpublic Personal Information. the information provided in relation to those accounts are erroneous. 

I appreciate your prompt attention to this matter and expect a fair resolution. I trust that consumer reporting agency will take appropriate action to delete the erroneous entry from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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