vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I got a Vanilla Visa card for XXXX in the mail from my grandma. I tried to activate it via phone call and website. Every time I tried, it said there was a problem. When I called to talk to someone, they stated there was a problem and that they needed the receipt, a picture of the card for ( front and back ) to a certain email and to add my case number. My grandma didnt send me her receipt. Its embarrassing reaching out to ask for it. I havent received the receipt from her ( if she still even has it ). I did some research and found out Im not the only one this has happened too. Theyre fraud cards apparently and now me and my grandma are out {$200.00}! The lady from Vanilla gift said it would take 3-14 business days to resolve it once they had the information they needed. She told me shed send me an email with information to follow up and its been hours and no email. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kornerstone Credit,  LLC.
State: LA

Complaint narrative:
On XXXXXXXX XXXX XXXX put a {$200.00} on my credit which I did not authorize. And on XXXX a company called XXXX XXXX  put a {$300.00} on my credit which I did not authorize. Also on XXXX I received something from kornerstone credit ( XXXX XXXX XXXX  with a balance of {$2200.00} which I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have repeatedly sent the debt collectors to validate the debt proving ownership to no avail. I am looking to seek legal action to all three debt collectors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The car has been paid off for over 2 years. I have attempted to get the title from the DMV, but they say that Capitol One ( the lien holder ) has not released it. I talked with Capitol One and they tell me they have released it to the DMV. So the DMV refuses to give me MY title, and Capitol One claims to have released it to the DMV. This is unacceptable that it has gone on for over 2 years of me fulfilling my obligations of paying off the lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist bank publicly had an online marketing that a {$400.00} cash bonus is given to new checking account holders should it is open and meet the requirements of a direct deposit for {$500.00} or more and XXXX qualifying debit spending within 90 days of the account opening. On XX/XX/year> I opened a checking account at Truist bank situated at XXXXXXXX XXXX XXXX XXXX XXXX  I met all requirements to earn the cash {$400.00}. However, Truitt bank failed to honor their marketing promotion. I called and spoke with the relationship banker, XXXX XXXX and her manager, XXXX XXXX concerning the failure of Truist bank and their confirmed verification of my eligibility at the time of the account opening. They told me that they would escalate the issue to the Retail Banking department of Truist bank. However, a few weeks passed, and XXXX XXXX XXXX said I was not eligible for the cash bonus. My response was Truist bank failed the trust I had with them and had been very unfair to my entitlement. That I would file a complaint the CFPB or litigate the issue further. Thus, this complaint is filed and seek for a good evaluation from CFPB to enforce Truist bank marketing promotion promise.

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 2024-12-22 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: CA

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. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Dear CFPB, I am writing to request that my previous complaint against Ally Bank be reopened in light of a recent article detailing a lawsuit filed by the CFPB against three major banks for failing to protect consumers from XXXX payment scam fraud. I believe Ally Bank should also be held liable for similar activity and refund my lost funds. 
Details of My Complaint : Victim of an Online Scam : I have been the victim of an online scam involving the fraudulent purchase of a XXXX XXXX XXXX through the website XXXX The sequence of events leading to this complaint is as follows : XXXX. Transaction Initiation : On or about XX/XX/year>, I entered into a transaction with an individual purporting to be a XXXX named XXXX XXXX, also known as XXXX XXXX. The transaction was confirmed through text messages and emails. The breeder provided contact information including phone number ( XXXX ) XXXX and email XXXX. 
2. Payment Details : The agreed price for the kitten was {$750.00}, with an additional {$70.00} for delivery, totaling {$820.00}. The payment was made via XXXX XXXX XXXX XXXX, using the email XXXX. The recipient 's name appeared correctly, and XXXX XXXX confirmed receipt of the payment. 
XXXX. Scam Realization : Following the payment, I received a call claiming the kitten was on hold due to an obligatory purchase of an Air-Conditioned Pet Travel Crate costing {$3400.00}. Realizing this was a scam tactic, I attempted to contact XXXX XXXX, who became unreachable. 
XXXX. Report to Ally Bank : I immediately reported the fraud to Ally Bank and requested to stop the {$820.00} XXXX transaction. The bank representative opened an investigation, asked me to file an internet fraud report with the FBI, and report the fraud with XXXX. The Ally dispute number is XXXX. 
XXXX. Lack of Action by Ally Bank : Despite my efforts and uploading all requested documents to Ally Banks messaging portal, the bank did nothing to stop the payment. On XX/XX/year>, I received a letter from Ally Bank, backdated to XX/XX/year>, stating that the transaction was authorized and without error. The letter also noted that the recipient had confirmed the transaction as authorized, which led to the denial of my refund. 
I have reason to believe that the bank representative failed to properly flag this matter as fraud or notify the bank 's fraud department to take necessary action against the scammer. 
Given the recent actions taken by the CFPB against other banks for failing to protect consumers from XXXX payment fraud, I request that the CFPB reevaluate my case against Ally Bank. It is essential for consumers to receive adequate protection and support from financial institutions, particularly in cases of evident fraud.

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 2024-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TN

Complaint narrative:
I have repeatedly contacted Mohela for status on my borrower defense discharge. I am part of the XXXXXXXX XXXX XXXXXXXX automatic relief group with a schedule c school. No one can or will give me any information. XXXX keeps saying they are waiting on the Dept of Education, but that is not true. Dept of Education sent them the info a long time ago. There has been a standing order for months to discharge the terminal loans for class members. 

I am not the only one waiting on Mohela to do what is required from the court settlement. There are thousands. The other servicers are making progress. Not a single person with Mohela has seen anything happen with their loans. They have been in constant violation of the courts order since the settlement was agreed on in XXXX XXXXXXXX XXXX has repeatedly instructed them to do what is required of the settlement and they are not. 

The most recent excuse is that they are building a new system. Three years into the settlement. Frankly, this is not my problem or the problem of any other class member. If they want a new system for future use, that is their problem. We should not be forced to wait longer on this manufactured delay. It is another stall tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
incorrect information on my credit report 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly. 

3.3. Incorrect Employer Information : my current employer XXXX XXXX but in my credit report shows as XXXX XXXX XXXX XXXX  and XXXX XXXX I request that my current employer be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my social security. 

I request that Experian, XXXX and XXXX investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to 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 2024-12-22 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: GA

Complaint narrative:
Dear CFPB, I have unauthorized accounts and inaccurate information being placed on my credit report. I have disputed these accounts multiple times by mail and online. I am in financial hardship with two kids. I am being denied because of my credit report. I'm unable to receive financial support/ gains due to the inaccuracies on my credit. I also look to see if my personal information was impacted by the data breach, and it was. It's too late file a claim. I AM IN NEED OF IMMEDIATE ATTENTION. I need these items removed from my credit. It's unfair and causing so much stress. 

As I study my consumer laws, I have to come to understand the rights and protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. These laws are designed to ensure the accuracy, fairness, and privacy of information in the credit reporting system. It is disheartening to see these rights violated, as unauthorized accounts and inaccuracies on my credit report remain unsolved despite my efforts to dispute them. I am determined to hold the credit bureaus accountable to ensure compliance with these laws and protect my financial stability.

1. ( 15 U.S.C. 1681i ( a ) : The credit bureaus have failed to conduct a proper reinvestigation of my disputes within the required 30-day period.

2 ( 15 U.S.C. 1681e ( b ) : The credit bureaus are required to ensure the maximum possible accuracy of the information they report, yet unauthorized and unverified accounts remain on my report. 
3. ( 15 U.S.C. 1681c-2 ) : The FCRA requires credit bureaus to block fraudulent or unauthorized information upon receipt of sufficient proof, which I have provided, but no action has been taken.

4. ( 15 U.S.C. 1692 ) Consumers can dispute a debt and request verification before further collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Consumer Adjustment Company Incorporated
State: WI

Complaint narrative:
In XX/XX/XXXX, a loan was taken out through XXXX  in the amount of {$2500.00}. I did not take out a loan. I froze my credit in XXXX and Im confused how a loan would be taken out at all. I dont know where the money went. I dont know who took the loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. 
I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX i requested a 1099c from the company and yet to recieve the letter so I can claim on my taxes since it a charge off. Also there inaccurate information reported on my credit report my account been close from XX/XX/XXXX but yet still I getting late payment on credit score. Also please let your collection agency cease and desist from contacting me they been sending letters and also call yesterday

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 2024-12-22 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: Chime Financial Inc
State: AZ

Complaint narrative:
the chime account on file does not match my chime account. my year of birth in incorrect. possible fraud. the balance shown is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been unfairly charged interest because my auto payment each month has not been allocated toward the expiring promotional balances. I cant allocate it online so have to call to make sure it goes towards the expiring balance. In the last year it has become more and more difficult to do this even when I call or use the online chat feature. They tell me its too soon to allocate it and I need to contact them closer to the expiration date. Then they will say there is nothing they can do to reverse the interest charge. I have talked to managers and spent time on hold only to be hung up on with no call back. I think they are fraudulently trying to make money, as Ive always paid the balance and these are 0 % interest credit options if paid within 6 months, which I always pay off on time. My credit history and score is good/excellent and I dont want this to impact that unfairly in addition be charged interest that I shouldnt be paying.

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 2024-12-22 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: AZ

Complaint narrative:
I have been affected by a few breaches that have occured, I have free monitoring thru these companies and my bank. 
XXXX has several vehicles inquiries on varing dates last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been notified of a few breaches that have occured, been offered free monitoring from them and my bank. All of my reports contain inquiries that I didn't request .... 
XXXX has ( XXXX ) vehicle inquires that occured XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion has ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX it appears it is due to come off as of yesterday but I never requested credit with them to begin with. 

XXXX has ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they did not have my name, bday, or social in their system and could not explain how this occurred without a record of me, the financial supervisor advised me to dispute it. 
When contacting credit bureau and companies, I was ultimately referred to Cfpb to report for deletion.

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 2024-12-22 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: AZ

Complaint narrative:
I have been affected by a few breaches that have occured, I have free monitoring thru these companies and my bank. 
XXXX has several vehicles inquiries on varing dates last year ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been notified of a few breaches that have occured, been offered free monitoring from them and my bank. All of my reports contain inquiries that I didn't request .... 
XXXX has ( XXXX ) vehicle inquires that occured 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 XXXXXX/XX/XXXX XXXX it appears it is due to come off as of yesterday but I never requested credit with them to begin with. 

Equifax has ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they did not have my name, bday, or social in their system and could not explain how this occurred without a record of me, the financial supervisor advised me to dispute it. 
When contacting credit bureau and companies, I was ultimately referred to Cfpb to report for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
Fraud and data sharing in credit reporting are governed by laws like the Fair Credit Reporting Act ( FCRA ), ensuring accuracy and consumer protection. Issues include identity theft, synthetic fraud, and data breaches like XXXX ( XXXX  ). Consumers should monitor reports, while companies must secure data and comply with privacy regulations to prevent misuse.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Fraud and data sharing in credit reporting are governed by laws like the Fair Credit Reporting Act ( FCRA ), ensuring accuracy and consumer protection. Issues include identity theft, synthetic fraud, and data breaches like Equifax ( 2017 ). Consumers should monitor reports, while companies must secure data and comply with privacy regulations to prevent misuse.

Company response to consumer: Closed with non-monetary relief