vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: AR

Complaint narrative:
Subject : Notice of Egregious Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Capital One Customer Service , I trust this letter finds you well, although it is with great concern that I bring to your attention severe and deliberate violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon meticulous examination, it is abundantly clear that Capital One is in blatant violation of 15 U.S.C. 1666 ( b ) by failing to adopt reasonable procedures for verifying the receipt of billing statements by consumers. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements constitutes a direct infringement of this federal law.

This egregious violation not only questions Capital One 's commitment to compliance with 15 U.S.C. 1666 ( b ) but also undermines the very essence of the law, which mandates creditors to adopt reasonable measures to prevent the erroneous treatment of payments as late for any purpose. 

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which unequivocally prohibits the furnishing of false or inaccurate information, is both alarming and unacceptable. The lack of a reliable verification process concerning the receipt of billing statements calls into question the accuracy of the information reported by Capital One, especially regarding late payments.

I must underscore the gravity of these violations under 15 U.S. Code 1681n, which explicitly addresses willful non-compliance with federal law. Whether Capital One was previously aware or not of its inability to report late payments, this ignorance is no excuse for the severe breaches of consumer rights.

Additionally, I draw your attention to 15 U.S. Code 1681s-2, highlighting that furnishers of information to consumer reporting agencies are obligated to provide accurate and complete information. Capital One 's failure to meet these obligations further compounds the severity of these violations.

This correspondence serves as an unequivocal notice of Capital One 's egregious violations of federal law. Immediate action is imperative to rectify these infractions, and I expect a comprehensive response detailing the steps Capital One will take to correct these issues.

Thank you for your understanding of the gravity of these issues and your commitment to rectifying these violations promptly.

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NJ

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 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 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 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: MT

Complaint narrative:
I have contacted One Main Financial multiple times to resolve the debt owed. They are running me around between them and their hired attorney because I have found multiple inaccuracies with the debt and want it deleted instead of paying them after they wrote the debt off ( which is recorded in my credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to formally express my dissatisfaction with the recent handling of my Wells Fargo credit line account.. I have been a customer with Wells Fargo since XX/XX/XXXX when I purchased a sofa and applied for a credit line with a supposed interest-free period during the first 12 months. 

To my surprise, in XX/XX/XXXX, I received a statement indicating a charge of {$750.00} in interest, which I was informed is imputed interest for the first 12 months. This is in direct contradiction to the terms I was initially presented with, promising an interest-free period during the first year. 

I have diligently paid {$110.00} each month in accordance with the agreed-upon installment plan, and I am deeply concerned about the sudden imposition of such a substantial interest charge. I immediately contacted Wells Fargo customer service to seek clarification and requested a waiver of the imposed interest. Unfortunately, my request was rejected, leaving me frustrated and dissatisfied. 

I kindly request a thorough review of my case and a reconsideration of the imposed interest charges. I believe there has been a misunderstanding or miscommunication regarding the terms of the credit agreement, and I am seeking a fair and equitable resolution 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 monetary relief
Consumer complaint received 2024-01-23 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: MD

Complaint narrative:
I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary in letter.

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 2024-01-23 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: TX

Complaint narrative:
TransUnion has been asked several times to remove the 2 negative accounts reporting by XXXX XXXX  as they are inaccurate for 2 reasons They are constantly reporting monthly these accounts as a charge off status when they are also claiming they have written the debt off which means they should not be reporting it as a charge off monthly if it has been written off and I have requested the cancelled debt form they are required to give for all written off debts of {$600.00} or more I also provided transunion with court documentation showing that when I was taken to court by XXXX XXXX for the debts that the debts and case were dismissed by the courts and transunion still refuses to remove those accounts from my report they continue to allow XXXX XXXX to " tell '' them that the reporting is valid even when I am " showing them '' through legal documentation that it is not. That is not fair to me as a consumer because as they continue to allow these accounts to stay on my report it is negatively impacting and preventing me from obtains credit based products due to this false reporting. I am requesting that they REMOVE those 2 accounts from my report immediately to solve this complaint as not doing so is in violation of the Fair credit reporting act. Last conversation with an Transunion representative after being hung up on twice and then directed to call another number that was not valid for transunion was on XXXX XXXX XXXX XXXX  this is my 6th attempt in over 8 months to get these accounts removed from my credit report and they are still refusing and allowing untrue and unverified information from my report even after they have been provided court documented proof saying that the creditor didn't validate it, why would they if they want to continue to negatively impact my report I believe my reason for uploading proof is to prove that what they are reporting and continuing to validate is untrue and not valid.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted these banks and they have acknowledged the lack of documentation supporting the reported late payments. They have agreed over the phone to update my credit file, confirming that the accounts in question reflect a positive review, are closed, or have never been late.

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 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WV

Complaint narrative:
Toyota financial loan was paid off in full on XX/XX/ On XXXX they withdrew {$1200.00} This amount was to be refunded when I called on XXXX. I have called multiple times and they say a check has been processed and will receive in 7-10 days. Then they say it has not been cut Also they owe me {$840.00} for GAP and {$1100.00} for warranty refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: VA

Complaint narrative:
I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX  XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation.

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 2024-01-23 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I Told them i did not know where this inquies come from and could they take it off my credited report. they said i would have to call the company tha pulled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : XXXX I am XXXX, and these people are buying up all my old debt and threatening me. They have another case against me with a debt I do not owe I keep filing that dispute, but some kind of way you guys are ignoring me about that one. I am XXXX I do not have any funds. Why are they allowed to buy old debt? I do not owe these people anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I, the consumer and natural living person, was denied credit by Synchrony Bank when I applied for a credit product with Belk.

Denial of my rights to credit is against the law according to the Equal Opportunity Credit Act and you are subject to criminal liability for violating 15 USC 1691 as I have pr
oof I was discriminated against by Synchrony Bank due to the response I received.

I, the consumer, made an application in good faith, but credit was not issued. Hence, Synchrony Bank is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002.

Because my social security number ( credit card ) was used and I received NO Benefit from entering this contractual agreement. This is proof of securities fraud and unauthorized use of my personal credit card by Synchrony Bank. 

If Synchrony Bank denies to make any reasonable effort to remedy this situation and compensate me for the use of my securities ( credit card ) I will make Synchrony Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

Failure to remedy this situation will result in an invoice for {$1000.00} per violation. 

Thank you, XXXX, XXXX XXXX ( Agent/Beneficiary ) Without prejudice All natural inalienable rights reserved

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 2024-01-23 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: WA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. 

Previously, I have been contacting Equifax multiple times via certified mail and phone for unknown address records and delinquent or derogatory accounts ; however, the only response I would receive is that Equifax were unable to locate my credit file. 

I submitted my Equifax Data Breach Settlement ; engagement # XXXX, claim # XXXX. Claims will be attached below to provide details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I have contacted NetCredit numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, NetCredit is REFUSING to correct and/or delete this account as promised. 

It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case # XXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). NetCredit is saying the account wsa sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call NetCredit and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if NetCredit was the original creditor and the account was XXXX, I need to file the bankruptcy papers with NetCredit to have the debt updated and/or deleted from my credit reports. 

My attorney and the Bankruptcy XXXX have submitted paperwork to NetCredit and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: GA

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. 

Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 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 2024-01-23 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: GA

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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 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 2024-01-23 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: FC HoldCo LLC
State: LA

Complaint narrative:
I visited XXXX on XX/XX/2023 to look into refinancing my auto loan. 

XXXX website advertises a prequalification with no credit score impact. 

I input my information and, upon hitting submit, moments later I was notified that my XXXX credit report was accessed by XXXX and Flagship Credit AcceptanceXXXX 

None of the three companies listed ( XXXX XXXX, XXXX, or Flagship Direct ) had my permission to do a hard pull on my credit report, and doing so is contrary to the advertising put forth by XXXX XXXX. 

I am including a screenshot of their advertisement as well as a written response from Flagship Credit Acceptance.

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 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
On XX/XX/ I received a letter stating I was being placed in deferment for reentering school ( XXXX  ) part time. Because of this they are still charging me interest monthly but not taking any money out of my account which now means I owe more money than I owed before. There is no way to get out of this on the website and I tried to get a response from the company and have not. 

I also am getting charged more interest than what it says on the amortization schedule on their website. According to the schedule my first payment should have been XXXX towards interest and I was charged XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation