vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My son has a car loan with Capital One. Since buying his car he has lost his job. I have assisted my son in paying his car note. I have not taken over his loan nor have I signed any documentation adding me as a co-owner of his vehicle or in any way to be responsible for his payments. I am simply a mother helping out her child. 

On XX/XX/XXXX, I telephoned Capital One as I was concerned that my XXXX XXXX had decreased significantly. My call with Capital One had proven to be futile and frustrating as it has previously regarding the same issue. I do not have an auto loan account with Capital One or any bank. Based on online document on bank 's website I am listed as owner. Utterly not true. Something nefarious is taking place with the bank and its employees. 

On the call with the bank I identified myself over and over to the Capital One representative but to no avail. I do not have a signed contract with this bank. Capital One has been reporting me as late every month since XXXX at a cost of {$10.00} per month. On my call yesterday, I asked for a copy of a signed contract that would show my obligation to Capital One that I have an auto loan with them. I was transferred from a Capital representative to XXXX a senior advocacy member in their resolution dept. I was told by XXXX that she has a screen shot on her computer inferring it was signed by me. I asked her to fax a copy and she told me she couldn't as she had to fill out a document to have it faxed to me and it would be in my fax shortly. Nothing came. I have previously called Capital One on several occasions regarding this same issue and it has not been resolved. 

I am concerned that Capital One is irresponsibly committing identity theft. 

RESOLUTION Immediately return all monies paid on behalf of my son and close this fictious and lying account. 
Immediately return all late monthly fees of {$10.00} since XXXX. 
Immediately contact all three credit reporting agencies ( XXXX, XXXX, XXXX ) on my behalf letting them know in writing the egregious error they have caused and return my XXXX XXXX back to XXXX. 

I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a line of credit account opened at XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account XXXX ( XXXX ) ; an inquire from XXXX XXXX on XX/XX/XXXX XXXX an inquire from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; an inquire from XXXX XXXX XXXX  on XXXX ; an inquire from XXXX XXXX XXXX on XX/XX/XXXX and an inquire from XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my attempt at rectifying a reoccurring issue with Equifax about recording and report tradelines that I been authorized user and the tradelines that I purchased that report to all the other, but nothing been recorded or reported since the unauthorized dispute was done my account without my permission. They are removing tradelines that are reporting as positive but the refuses to remove the fraudulent account are being reported now. None of my new accounts are showing up at all on Equifax the last XXXX account have not reported since that unauthorized dispute. I'm trying to buy a house with the repeated mistake and the unauthorized dispute without my permission how can I buy a house. Equifax has not helped me or contacted me as far as resolution to this problem I take this very seriously this my life and legacy someone trying to destroy with no accountability. XXXX XXXX, XXXX, XXXX XXXX are not being reported at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Everything I tried did not work I even hire people to work on it and still did not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my XXXX XXXX and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: 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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-10-01 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: NM

Complaint narrative:
I'm disappointed to find unrecognized credit inquiries on my record, despite assurance from Equifax that they would be removed. I've not given permission for these inquiries, and their persistence is concerning. I trust in the XXXX 's commitment to consumer protection and hope for a swift resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio
State: MO

Complaint narrative:
On XX/XX/year> Vance & Huffman was issued a Cease and Desist order. They have willfully violated that order in the form of direct mail demanding resolution of an alleged debt. 
The alleged debt is not mine. They continue to harass me over invalid claims and in direct violation of a lawful order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX I contacted American family law center that was referred to me through legal aide I was needing an attorney to obtain custody of my granddaughter! I call the company and was ask by a agent what do I need help with she assured me they can help me and that it was a XXXX time payment of {$550.00} dollars that needed to be pay up from before I could be assigned to an attorney, and that I wouldnt be charge until I would meet with the attorney to see if or how he could help! So I initiate the payment to find out that the attorney would not represent you in court would on give you the documents that you have to fill out and file in court yourself! I immediately went to the website review and found out this company is a scam I file a fraud case with my credit card company and was issued a new card! I then card my card company and them what I did! The agent told me that I should have filed a dispute instead but it was not an issue they would handle it and notify the fraud department! And that I would have to wait until the charge post before I could dispute it called the whole month and it never posted until XX/XX/XXXX when I call them I was told that the fraud department investigated it and because I initiated the payment it was sent to the company and reissued to my new card as a charge to me! This was the fault of there agents not handling the case I was told during the process to send a email to example what happen and was given the wrong fax number then never got a case number for the fraud case nor the dispute case after it post! Finally was give a case number for the dispute and the right fax number. But now they are tell me theres nothing they can do! This was the fault of XXXX agents not mind, I loss the money needed to obtain a real lawyer,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a suspicious call this morning verifying a bank account that was being opened under my name online. I have not attempted to open a business checking account online with Wells Fargo. I hung up with them and called Wells Fargo and Wells Fargo had no record of me attempting to open an online business account. I believe these people were fishing for more information about me to complete whatever type of fraud they are trying to commit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Every day I have been receiving repeated calls throughout the day and nights from Portfolio Recovery in regards to a debt I dont really have an idea about. They have also started to contact my spouse about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was never told about my right to resend so the contract was null and void. I have even asked for proof that I have a contract with Capital One Auto which they have not yet sent me that. They have repossessed the truck which Im still waiting on a judgment, they gave them authority to repossess the vehicle furthermore if they were true fully and honest by doing their duty we wouldnt be in this situation 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I was hospitalized because of an XXXX XXXX I was in the hospital for XXXX weeks- was discharged on XX/XX/XXXX. During this time, a former housemate got possession of my wallet back at the house and tried to use a couple of my cards including my main debit card which is with SoFi Bank. I receive my direct deposit there and keep most of my money in that account. Within a span of XXXX calendar days, from XX/XX/XXXX - XXXX, there were a total of {$1800.00} worth of charges made to the account depleting it. 

When I found out about this- which was after I was discharged - I immediately filed disputes for each of those transactions with SoFi bank. XXXX days later, they responded to the disputes stating that they were valid and that no refund would be given. 

I tried to appeal, emailing them a copy of my discharge papers from the hospital showing that I was inpatient during the time the transactions were done and didnt hear back from them. I will also be filing a police report and hopefully they can reopen the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/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 2024-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: LA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX member stationed in the state of Louisiana and applied for a reduction in interest rate from Best Egg on XXXX XX/XX/XXXX, under the Louisiana Servicemembers Civil Relief Act ( SCRA ) which limits interest rates to XXXX % in accordance with LA Rev XXXX XXXX. My Best Egg loan is in the amount of {$40000.00}, opened on XXXX XX/XX/XXXX, at an interest rate of XXXX  %. On XXXX XX/XX/XXXX, I received a reply from Best Egg denying my request stating that I am not covered under SCRA because I am an XXXX XXXX member and I was on XXXX XXXX when I opened the loan. Additionally, Best Egg cites the definition of " obligation '' stating that the limits on interest rate and fees do not apply to my loan with them. On XXXX XX/XX/XXXX, I responded to the denial asking them to reconsider, reciting the LXXXX XXXX  XXXX demonstrating that the statute does not take into account whether or not the member is XXXX XXXX or not at the time the loan is opened. Furthermore, I contended that they slightly misquoted the statute while defining " obligation '' and failed to consider defining " services '' which I argue includes the provision of funds loaned to me. On XXXX XX/XX/XXXX, my case was escalated to the customer response team. On XXXX XX/XX/XXXX, a customer response team member reached out to me, however, offered no additional information, clarification or resolution. In both that conversation and the email communication informed them that I would be filing a complain with CFPB, and if I am unable to resolve my issue with CFPB, I will forward my complain to the Office of the Louisiana Attorney General. I have tried to inform Best Egg that the intent of the Louisiana XXXX statute is to protect all military members from interest rates above XXXX  %. Best Egg advertises they support the military community and the fact that they go above and beyond the XXXX standard of XXXX  % offering those that qualify at rate of XXXX %. I am hopeful that Best Egg will quickly resolve this issue once they receive the CFPB complaint, and the denial was a result of misunderstandings by their employees at the lower levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: VA

Complaint narrative:
I was recently reviewing my credit and noticed there was fraudulent activity on my report. Please remove all fraudulent information as it is hurting my ability to obtain credit. Thank you

Company response to consumer: Closed with explanation