vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a promotion on my Capital One Venture X stating I could be eligible to get {$45.00} in capital one shopping rewards if I download their app and enable the extension in my Safari browser on iPhone. I did that adn never got the reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated co report after your reinvestigation.

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 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Hi Team, Hope this email finds you well! I'm an international student who opened the checking account with XXXX. However recently I experienced the disappointed experience with them due to fraud activities. I lost totally XXXX dollars on the checking acc. Please kindly help me on this issue : I found there has XXXX exact same amount transactions with XXXX dollars with different merchants on XX/XX/XXXX by using XXXX XXXX XXXX. The truth is I never use XXXX wallet and XXXX devices. I reported XXXX transactions of XXXX dollars each but there has XXXX more unauthorized transaction by using XXXX XXXX with the small amount of XXXX dollar on XXXX I missed to check and report initially. Therefore, XXXX declined my claim and decided to charged me checking acct. When I called back and reported again, they decided no longer helping me anymore. 

I'm currently an international student at the University of Utah and I only stay in XXXX XXXX XXXX so I would never make other charges in other State.If the bank can't protect my asset well and let someone perpetrates a fraud make money, how I can trust the financial institution moving forward? I need a notarized verdict. 

Please see below information : Name : XXXX XXXX XXXX of inquiry : XX/XX/XXXX Claim number : XXXX Debit Card ending in : XXXX Checking Acct number : XXXX Claim related to account ending in : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX Unauthorized charges : - {$300.00} : XXXX XXXX XXXX at Washington on XXXX XX/XX/XXXX - {$300.00} : XXXX XXXX at XXXX on XXXX XX/XX/XXXX - {$300.00} : XXXX at XXXX on XXXX XX/XX/XXXX - {$30.00} : XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX Please kindly help me to investigate and argue with the bank! Appreciate your helps in advance. Contact me anytime at XXXX. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
On XXXX XXXX a collection agency named XXXX XXXX XXXX have reported to my credit account that I owe {$540.00} to them. HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
ENGELHARDT. V GRAVENS ( MO ) XXXX XXXX, XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

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 2024-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
I used to have XXXX  as my student loan servicer for my federal student loans. My loans have been gravely mismanaged, starting with XXXX XXXX to be honest. When I finished school, I made little money and had health problems. Instead of telling me about income driven repayment plans, they automatically stirred me towards economic hardship forbearance and encouraged me to extend it over and over again. They didn't even require any information, made it very easy. Sadly, I trusted them because they were backed by the federal government. XXXX XXXX, where I got my degree, was overpriced and made me believe I would make a good income when I got out of school and paying off loans will be no issue. When I finished school, I barely made XXXX $ per hour with a XXXX XXXX XXXX. Due to low income, my own health problems, raising a XXXX child, my interest has been accumulating since XXXX  and my loan has grown from XXXX to a massive XXXX. I don't even know how to begin to get from underneath this massive debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: GA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I filed a complaint and Experian agreed to remove the inaccurate information from my credit report, its still reporting incorrect information. According to the FCRA this should be considered a 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 explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX - Collection XXXX XXXX - Collection INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: PA

Complaint narrative:
I reviewed my credit profile on XX/XX/year> and I noticed inquiries I do not recognize. I also noticed personal information that doesnt belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
1 ) I get in agreement to do a survey 2 ) {$3000.00} check was sent to my mail 3 ) the check was sent to do a survey by purchasing XXXX XXXX XXXX XXXX XXXX XXXXXXXX & report a survey I found during purchase XXXX ) I have to send the copy of the gift card & receipt thru.email XXXX ) after I deposited the check on line I went to WF office to confirm the deposit is correctly deposited & cleared for transaction 6 ) secondly before I left WF office I have raised my limit to {$500.00} thru the phone number ( XXXX ) XXXX & the limit increased 5 ) after this most of the purchases was made from WF account except one from my another account 6 ) after I completed my assignment on XX/XX/year> they reversed the deposited check of {$3000.00} & my account showed a -ve balance 7 ) I went to WF office & they told me it was a bad check 8 ) I also reported to WF report phish long awaited the result

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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I sold my leased vehicle to XXXX XXXX on XX/XX/XXXX. They contacted Toyota Financial that same day to obtain a payoff amount which was provided over the phone and address to send off the payoff amount. The check was overnighted to Lexus Financial. I contact them the following week and they confirmed that the payment was rec 'd on XX/XX/XXXX and they are behind on processing payment for 6-8 weeks. I asked them to provide some type of statement indicating that they are behind so I would not have any issues. They advised they could not. I would get a letter in the mail confirming that the loan was closed and paid in full. This letter has been received as of XX/XX/XXXX. I got a notification today XX/XX/XXXX from XXXX on my credit report stating that I was late on a payment from Toyota Financial. This is simply not true, the full lease payment was received again on XX/XX/XXXX, confirmed on several different occasions by multiple representatives. They explained that I did not need to do anything further and the delay was with Toyota Financial. I have my transaction history from Lexus Portal showing that all payments were received on time and the loan has been satisfied with no late payments. However, their credit reporting team still reported this information to my credit report. I need this corrected immediately as I am in the process of purchasing a home and if my loan is denied for this reason, I will need to sue Lexus Financial for this horrible mistake.

Monthly Lease Payments : XXXX due XXXX XXXX XXXX XXXX- with 10 day grace period Total Lease Payoff {$52000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-16 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: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

3. Date of Birth : XX/XX/year>. I request that my date of birth be updated.

4. Employers : My only employer is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

3. Date of Birth : XX/XX/year>. I request that my date of birth be updated.

4. Employers : My only employer is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I AM A VICTIM OF HUMAN XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
I was affected by the Equifax data breach. Like millions of others, my personal information, including my name, Social Security number, birthdate, and address, was exposed in the breach along with negative and closed accounts. Since then, Ive been concerned about the potential for identity theft and fraud. This breach has caused significant stress and inconvenience, as it feels like I have to remain constantly vigilant against the possibility of my information being misused. It has also impacted my confidence in the ability of companies to safeguard sensitive data, which has led me to be more cautious in my dealings with credit reporting agencies and other financial institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I dont believe the account reporting on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are several hard inquiries on my credit report that were not done by me ; they were done by a car salesman without my consent back in XXXX. The salesman opened these without my permission and they are affecting my credit score. Additionally, my XXXX XXXX XXXX XXXX  amount is being reflected as late/overdue and as having a balance and was last updated XX/XX/XXXX, however this card has a balance of XXXX and I have not used it for 2 months, which is reflecting on my credit report as late payment and high credit usage when this is NOT the case!!! LASTLY, my student loans are in forbearance but on my credit report, it is reflecting as payment due and late, which again is dropping my score and showing up as high credit usage. 

I attempted to contact Experian multiple times via phone call and no one can help me nor do they help me appropriately. I am very angry as this is affecting my life greatly. Additionally, Experian fails to update my score regularly.

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 2024-11-17 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-11-16 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 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 Here I attach , along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
On XX/XX/year>, a collection agency named NCA have posted to my credit report and demanded me to pay the amount of {$380.00} to them.

HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: KS

Complaint narrative:
Someone used my information to open accounts and some inquiries that I had no knowledge about XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
The report reflects a late payment and charge-off status on this account, which I believe is inaccurately reported. Specifically, the payment in question occurred during the XXXX pandemic period and should have been addressed under the protections of the CARES Act, which requires creditors to offer accommodations and accurately report accounts during the national emergency declared for XXXX. 

Additionally, I believe this account information is not being reported in compliance with : XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to credit reporting agencies. 

XXXX. Truth in Lending Act ( TILA ) : Creditors must ensure clear and accurate reporting of account activity, including agreements made during special accommodations or hardships.

Company response to consumer: Closed with non-monetary relief