vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Two accounts reporting late payment histories. Both accounts are over XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: WA

Complaint narrative:
XXXX XX/XX/year> FACTUAL DATA XX/XX/year> XXXX XXXX XX/XX/year> XXXX - XXXX XX/XX/year> 2023

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 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Starting XX/XX/year> every time I Iogin to the capital one Mobile app to view my account, I was asked for a one time PIN ( Two factor authentication ). I have been using the exact same device ( my mobile phone ) and accessed the account using the same network at my house which I have been using prior to XX/XX/year>. I still continued to be asked a one time pin even after successful authentication. 

I had to login multiple times on my mobile app on XX/XX/year> since my transaction using a Virtual card tied to an account reported for fraud was getting rejected. I was also working with one of the agents to resolve the issue. After a few attempts my request for getting a One time pin on the mobile app was blocked with a message that I have exceeded the number of attempts to get a One time pin for the day. I was prompted to wait for 24 hours to get a PIN. This meant all my access to my accounts from the Capital one app was blocked. I have 2 Credit card accounts, 1 Savings account and 2 CDs with Capital One. I wouldn't have access to these accounts for more than 24 hours. I called their customer service. Some of the agents didn't show any empathy and just replied that I need to wait for 24 hours. This seemed a bit scary me not having visibility into my financials on a weekend for 24 hours.

One of the agents suggested I access the account through a browser instead of the app. Again this required me to authenticate on the mobile app. I was finally able to login to my account from a browser after verifying on my mobile app. I felt this ridiculous since my account access was blocked from my mobile app but I could use the app to authenticate and access my account on a browser. Every agent I spoke to mentioned that these are security features taken to protect my account. I found this more of an inconvenience for the customer. Also how could this be protection if the mobile app was used to authenticate me to access my account from a browser. 

It has been close to 24 hours since I accessed my account from my mobile app. This has caused a lot of inconvenience for me performing some of the financial updates during the weekend.

I as the owner of the account 1. Never requested the bank to setup a One time PIN always to access my account.

2. Was never told that there would be a " THRESHOLD '' on the number of times I can access my account from the mobile app since this was tied to the number of one time pins I can generate in a day. 

The customer service agents I spoke to was NOT very helpful and none of them were able to assist me even after authenticating my identity multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Goal Structured Solutions, LLC
State: DC

Complaint narrative:
Company : Launch Servicing LLC Account XXXX XXXXXXXX On XX/XX/XXXX, for the account referenced above, I requested a Master Promissory Note, Debt Validation Notice, Proof of my signature and Proof of Co-signers signature via XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the company responded in its via XXXX XXXX XXXX with the message below : Hello, We are reaching out for the information you are requesting. This will be sent via this portal as soon as it is received. Thank you, XXXX XXXX XXXX Monday-Friday XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information requested has not been provided to me as of XX/XX/XXXX. I do not believe that I owe this, and I dispute it. As a result, on XX/XX/XXXX, I mailed a physical letter with tracking to Launch servicing LLC at their mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In that letter, in accordance the XXXX Fair Debt Collection Practices Act, XXXX XXXX. XXXX and XXXX XXXX XXXX. Protecting Consumers from Unjust Debt Collection Practices Amendment Act of XXXX, I requested that Launch Servicing provide me, in writing, the following information : XXXX. The name of the original creditor, and the name of any other owners of your debt, including the current owner XXXX. The last account number with the original creditor ( if applicable ) XXXX. A copy of the signed contract, application, or other documents which show your obligations XXXX. The date your debt was incurred XXXX. The date of your last payment, if applicable XXXX. An itemized accounting of the alleged debt, including the amount of any principal interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. 

Also, in that letter I requested that Launch Servicing please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

The XXXX arrived at Launch Servicing 's mailing address on XX/XX/XXXX. I still have not received a response or the requested information from Launch Servicing as of XX/XX/XXXX. 

Per XXXX XXXX XXXX. Protecting Consumers from Unjust Debt Collection Practices Amendment Act of XXXX, upon receipt of the first request by a consumer for any of the information identified in paragraph ( XXXX ) of this subsection, the debt collector shall send all of the information listed in paragraph ( XXXX ) of this subsection to the consumer in writing within XXXX days of the receipt of the request and shall cease all collection of the consumer debt until such information is provided. Launch Servicing is well beyond XXXX days of receipt of initial request as well as requests made after.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
I am writing to file a complaint regarding identity theft and inaccurate information on my credit reports maintained by XXXX and Equifax. The following accounts listed on my credit report are not mine and were opened fraudulently as a result of identity theft : 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 ( Equifax ) I have never applied for these accounts, and I did not authorize the opening of these accounts. As the victim of identity theft, I am requesting that these accounts be removed from my credit reports within 4 days, as required by the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

Specific Allegations : Inaccurate information on my credit reports : The accounts listed above are not mine and were opened without my consent. 
Failure to investigate and correct the error : XXXX and Equifax have failed to properly investigate and correct the error despite my repeated requests. 
Violation of FCRA : XXXX and Equifax have violated the FCRA by not removing the disputed accounts from my credit reports within 4 days as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
I am a victim of identity theft and these addresses and inquires are a result of this crime. Equifax is reporting fraudulent addresses and inquires : Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Hi my name is XXXX XXXX XXXX and i am submitting this complaint personally. TransUnion has a recent unauthorized inquiry on my credit report that is hurting my score and profile. I have mailed in complaints and also called to speak to representatives and they continue to place me on hold for hours with no results. This inquiry has dropped my score XXXX points and his is hurting me as i am looking to get an auto loan next month. This may make chances hard for approval as i need my automobile to drive my family. Please help me. I have no luck with TransUnion they ARE NOT RESPONSIVE and they are NOT trying to help me with this unauthorized 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
There is a website called mohela.com that is very similar to the official student loan servicer website ( mohela.studentaid.gov ). I tried to register for an account, but was on the fraudulent website. During this process, I inputted my SSN, date of birth, name, phone number, and email address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
After review of my personal credit report, I found that I was being reported as Thirty ( 30 ) days late on my XXXXXXXX XXXX XXXX XXXX Account starting with # XXXX. It is my understanding that ALL Consumer Reporting Agencies must report any information on a credit file with complete accuracy. This account has never been 30 days late. I have never paid it late, at any time in my history with this company. I have attached a section of my current credit report to this complaint where is shows a late payment for XX/XX/year>. I am now requesting that you investigate and provide " VERIFIABLE PROOF WITH RECORDS '' showing that I had a late payment. If this information can not be verified, I demand this late payment be updated on my credit report to PAID ON TIME IMMEDIATELY!!! I appreciate your diligence in addressing this issue..

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 2024-07-21 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding an issue with my auto loan that has persisted despite my attempts to resolve it with my lender. My auto loan account number is # XXXX, and it was with consumer portfolio services inc. 

In XX/XX/2023, my car was declared a total loss due to an auto theft. My insurance company, XXXX XXXX, paid off the remaining balance of the loan in full. I received confirmation from both my insurance company and the lender that the payment was processed and the loan was settled. 

However, despite the loan being paid off, I have continued to receive billing statements from consumer portfolio services, indicating that I still owe money on the account. I have contacted the lender multiple times to resolve this issue, but they have failed to correct the account status and stop the billing. 

This ongoing issue has caused me considerable stress and has adversely affected my credit score, as the lender has reported these supposed missed payments to the credit bureaus. I believe this is an unfair and deceptive practice and is causing me undue financial harm. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that consumer portfolio services, corrects the status of my account to reflect that the loan was paid off by the insurance company in XX/XX/2023. Additionally, I seek the removal of any negative information related to this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft i have some inaccurate on my credit profile. I will like to put a security freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
I am writing to file a complaint regarding identity theft and inaccurate information on my credit reports maintained by Experian and XXXX. The following accounts listed on my credit report are not mine and were opened fraudulently as a result of identity theft : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( Experian ) XXXX ( XXXX ) I have never applied for these accounts, and I did not authorize the opening of these accounts. As the victim of identity theft, I am requesting that these accounts be removed from my credit reports within 4 days, as required by the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

Specific Allegations : Inaccurate information on my credit reports : The accounts listed above are not mine and were opened without my consent. 
Failure to investigate and correct the error : Experian and XXXX have failed to properly investigate and correct the error despite my repeated requests. 
Violation of FCRA : Experian and XXXX have violated the FCRA by not removing the disputed accounts from my credit reports within 4 days as required.

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 2024-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX  Account # XXXX A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. 


There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: CA

Complaint narrative:
I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX Bank & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer.

15 USC 6801 says that I have the right to make sure my private information isn't shared!!! The law states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. Code 1681s2 ( A ) ( 1 ) A states " 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. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, Experian, and XXXX are not maintaining reasonable procedures! My privacy rights and identity have been stolen! That also means that the Privacy Act of 1974 ( 5 U.S. Code 552a ) was violated! This account is an adverse item they are reporting without my permission which is against the law and hurting my ability to obtain credit! Please remove this account immediately!! See the attached documents.

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 2024-07-21 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: CA

Complaint narrative:
I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.

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