vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Unauthorized Credit Card Account Opened in My Name and Capital One 's Refusal to Close It Earlier this month, I received a Capital One credit card in my name that I did not apply for or authorize. Concerned about possible identity theft, I called Capital One ( at XXXX & XXXX ) on XX/XX/year> to inform them of the unauthorized account and request that it be deleted. 

However, during the call, Capital One requested additional personal information, such as my Social Security number ( SSN ) and date of birth ( DOB ), in order to proceed with closing the account. I refused to provide this information, as I did not want to risk further compromising my personal details with a company I had never authorized to open an account. Despite explaining this, Capital One declined to assist me in closing the account unless I provided the SSN and DOB. 

I am very concerned that my personal information has already been misused to open this account, and I am seeking your assistance in resolving this matter. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Closed Case : XXXX - I opened a dispute on the above case number for XXXX to provide documentation to validate the information they are reporting on my consumer file. The closed case indicates that Wells Fargo provided them with a certified copy indicating the debt was valid. I have not received this certified document from Wells Fargo or XXXX yet XXXX is still reporting this information negatively, despite providing them with statements from Wells Fargo indicating there was a {$0.00} balance upon the account being closed.

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 2024-09-20 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: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against NET CREDIT for violations of my consumer rights. 

NET CREDIT did not allow me to opt-out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This action violates my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey state laws on consumer privacy and data protection. 

Despite notifying NET CREDIT that I did not consent to the sharing of my information, they claimed they had the right to do so according to their Privacy Policy. This contradicts the GLBA 's intent to protect consumer financial information and uphold the principle of consumer consent.

I requested a complete accounting of my account, including signed documentation detailing who funded it and the true amount owed. NET CREDIT only provided a copy of the Promissory Note, failing to clarify the account 's funding and evidencing multiple violations of the Truth in Lending Act ( TILA ).

Additionally, I informed NET CREDIT in my last two communications that all correspondence should be sent to a specific address. They have continued to send mail to an alternative address, which I consider an invasion of privacy. 

By sharing my financial information without consent, NET CREDIT is committing identity theft, as defined by federal law ( 15 USC 1681a ( q ) ( 3 ) ). Their actions aim to undermine my rights and collect on credit extensions through coercive means. In New Jersey, any contracts designed to commit fraud or exempt parties from their responsibilities are deemed void and unenforceable, aligning with the state 's strong consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: SC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
The account for the vehicle purchased is with Consumer Portfolio Services. 

The balance allegedly owed is {$12000.00}. 

I do not recall where or who the original loan agent is. 

When I purchased the vehicle, it had several mechanical issues. So many so, that I was not able to repair them. 

I contacted the dealership to advise they sold me a car that I can not use nor fix. Needless to say I did get a very professional response. The car was voluntarily returned a few days later by way of tow truck, which they provided. 

I was not even offered another vehicle. I lost my down payment and the car they sold me and new it was damaged. 

I asked if they would be any monies owed, and because they received there vehicle back, nothing was going to billed to me. 

Did I receive paperwork, no. Did I receive paperwork that the vehicle was returned, no. 

I will not pay for a vehicle that was inoperable and that was returned back, which they probably fixed and resold. 

I am asking, please get this deb off my report as it is there unfairly. 

Had I done damage to the car or caused anything to where it became inoperable, I would own up to my responsibility. As should the dealership for selling a lemon. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NV

Complaint narrative:
I have NEVER been in a XXXX store in my life. 
I have had XXXX XXXX XXXX  for over 13 years. ( Attachment A ) XXXX sent me an email saying it was NOT my charge. ( Attachment B ) 4. I called the collection agency on XX/XX/XXXX to dispute this charge. Diversified Adjustment Service , Inc. refused to give me any information about the charge. They wouldnt even tell me what store it was from. According to Fair Credit Reporting Act, they have to give me all information they have to show it is my charge. They are in violation of this federal law and I will be reporting them. 
5. I also reported this to the XXXX XXXX Police Department and offer their report. ( Attachment C ) 6. There should be evidence that my license was shown at the time of this transaction to prove it was me. Where is it? 
7. What could possibly cost over {$5400.00} dollars at XXXX? 
8. The collection agency had my address from over 10 years ago when supposedly this transaction happened in XX/XX/XXXX. This is probably why I never received any notice of this charge from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Contributor : XXXX XXXX XXXX XXXX  Contribution Ref # : XXXX XXXX Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX Phone : XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : XXXX  Incident Date : XX/XX/XXXX XXXX Loss : Contribution Reason : Checking Accoun. XXXX XXXX XXXX XXXXXXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : 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 XXXXXX/XX/XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$250.00} Paid/UnPaid/Settled : Paid Fee Reversal : {$290.00} Debt Paid in Full Date : XX/XX/XXXX -Delete account [ Collection XXXX ] from my credit report, Delete account [ CollectionXXXX  ] from my credit report, because of multiple violations of the fair credit reporting act. | Delete account [ Collection XXXX XXXX from my credit report, Delete account [ Collection XXXX ] from my credit report, because of multiple violations of the fair credit reporting act. |

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
Please see XXXX previous complaints that were closed as a result of the company 's response. But the company is not addressing the issues. This was a fraudulent account. They have justified it as a valid account stating I requested to be added as an authorized user. But they also provided a credit application ( with a scribbled line as my signature ) as proof that I authorized the opening of this account. It doesn't make sense that I would sign a credit application and then request to be added as an authorized user. I specifically called on XX/XX/year> to report the card as fraudulent. In addition, they have not provided validation of the XXXX charge made to this account. They reference a signed contract with a merchant but has not provided a copy of that signed contract.

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 2024-09-20 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: TN

Complaint narrative:
I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized XXXX the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

I demand that the following accounts be removed immediately XXXX XXXX XXXX XXXX Charge-Off account. XXXX XXXX XXXX XXXX Charge-Off account.

I am also requesting monetary compensation for each violation.

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 2024-09-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. 

I demand that the following accounts be removed immediately : XXXXXXXX XXXX XXXXXXXX Charge-Off account. 

XXXXXXXX XXXX XXXX XXXXXXXX Charge-Off account. 

I am also requesting monetary compensation for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
This is a follow-up to MOHELA 's XXXX recent response regarding the original complaint # XXXX. **Please refer to all attachments with the original complaint. MOHELA submitted a form letter, generic statement that did not address my very specific question, complaint, that they have not processed my XXXX XXXX XXXX originally submitted via their website on XX/XX/year>, and subsequent submissions of the application in XXXX. MOHELA 's response is unacceptable and they are to answer my original, specific complaint. Please note my statement of feedback below in reference to the original complaint. 

MOHELA failed to respond to my specific complaint regarding the XXXX XXXX application I submitted directly by uploading to their website on XX/XX/year>, then again multiple times in XXXX ( see emails in my original complaint ). Their response is a generic, form letter response that does not address the fact that they have not processed my application to enroll into a new XXXX  so I may be removed from XXXX. According to a new XXXX plan ( IBR ), I would not be subject to a forbearance, thus resuming making payments. MOHELA needs to process the application ( XXXX ) I submitted to them. If they are refusing to process my XXXX XXXX application; they need to provide written correspondence that explicates why they are not processing my XXXX XXXX application and/or reason for denial to enter into the XXXX plan XXXX MOHELA 's response is unacceptable and reflects MOHELA 's continued pattern of stalling tactics to delay Consumers from making progress towards loan forgiveness. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-09-20 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: FL

Complaint narrative:
Dispute of Incorrect Address on Credit Report Dear Experian, I am writing to follow up on my previous dispute regarding the incorrect address listed on my credit report. As I explained in my communication on [ Date ], the following addresses are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
According to the15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer.

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 2024-09-20 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: NV

Complaint narrative:
Recently, I opened a new credit card account, with XXXX XXXX XXXX which was done with the expectation that my credit report would reflect accurate and truthful information. However, I discovered that XXXX had falsely placed a fraud alert on this newly opened account without my consent. This action was taken in spite of my multiple disputes submitted to XXXX regarding inaccuracies in my credit report most recently XX/XX/year>. Where I disputed inaccurate harmful accounts : XXXX XXXXXXXX - This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 
XXXXXXXX XXXX XXXXXXXX This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 
XXXX XXXX XXXXXXXX This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 

NO WHERE DID I DISPUTR MY NEWLY OPEN CREDIT CARD WITH XXXX XXXX XXXX  The consequences of XXXX 's negligence have been severe. My credit score has significantly decreased due to these erroneous entries, and as a direct result, my new credit card account has been closed. This situation has not only affected my creditworthiness but has also caused me extreme distress and confusion as I attempt to manage my financial responsibilities. 

I have made numerous attempts to resolve these issues with XXXX, Transunion and XXXX as well as XXXX XXXX including submitting disputes and providing documentation to support my claims. However, my efforts have been met with inadequate responses and no meaningful resolution.

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 2024-09-20 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX  and on XXXX XXXX, Credit Acceptance Corporation both conducted a hard inquiry on my credit report through XXXX, XXXX, and XXXX. I did not attempt to apply for auto financing or any kind of credit through these lenders so I called and/or went online to all three credit bureaus to place a freeze and fraud alert. 

I notified the local police but they advised there would be no utility in making a report since I had not actually been financially harmed. 

I called Credit Acceptance Corp and they advised that I needed to contact the credit bureaus to dispute the inquiry. 

I called XXXX XXXX and they advised me to send them a letter detailing the dispute and a copy of my credit report. They received the letter on XX/XX/year> but as of XX/XX/year>, the inquiry was still on my XXXX credit report. 

I disputed both inquiries with all three credit bureaus. XXXX and XXXX removed them both after a simple phone call. On XX/XX/year>, XXXX called and advised I would need to send in an FTC.gov fraud report in order for them to remove the inquiry.

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