vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: WA

Complaint narrative:
On XX/XX/2024, on my credit score report, I observed there to be an additional account that was opened in my name. I checked it and observed it to be with Capital One. The account was a Credit Card with a {$10000.00} limit. I never opened an account with Capital One, nor have I ever looked into opening an account. Recently I received an email from Capital One saying the account was opened, but it was going to be closed due to a lack of information being verified. I contacted Capital One fraud line and was transferred twice. It was confirmed that an account had been opened in my name, but it had been closed already and no money had been stolen. They advised an investigation will be opened and advised I filed a report to the FTC. Upon doing so I was redirected to this website. At this time it is unknown who may have opened an account and where my information was leaked or stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IN

Complaint narrative:
Per the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXXXXXX Account Type : Line of Credit Date Opened : XX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ) Section 605 states : no consumer reporting agency may make any consume report containing any of the following items of information ; any other adverse item of information, other than records of convictions fo crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This account from XXXX XXXX XXXX XXXX is a fraudulent account and does not belongs to me this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This account from XXXX XXXX XXXX XXXX is a fraudulent account and does not belongs to me this is identity theft.

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 2024-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
I asked for the original bill to see what the dept was for/ about & asked if it was sent to my insurance company. She said she could not give me that. I asked how is the amount she says I owe different than what the hospital said I owe. Hospital told me I did not owe the amount the creditor sent me & the hospital accepted a payment from me that day. Two days later after payment to hospital the creditor sent me a email saying to only pay them directly. I figured it was a scam because hospital took my payment on several different occasions & said I do not owe anything else. 
This was in 2022. When I called creditor today to ask what are my state taxes being held for. ( ( not knowing this was same as year before ) ) she was completely rude- told me I know what the debt is about & hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This account was settled XXXX XXXXit is still reporting loss / write off on my report. This needs to be updated to settled as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NV

Complaint narrative:
Commencing on or about XX/XX/2023, my girlfriend and I fell victim to a multilayered scam operation orchestrated by the Fraudulent Company, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
This situation resulted in me loosing XXXX USD of my hard-earned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
XXXX XXXX XXXX [ Account number XXXX ] is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Furthermore, pursuant to the Fair Credit Reporting Act, furnished information CAN NOT be inaccurate or questionable AND the furnisher of the information MUST send a letter in writing that they are going to furnish negative information to consumer reporting agencies. I NEVER received such letter further violating federal law, to be more specific 15 U.S. Code 1681s-2 ( 7 ) ( A ). If this company believes otherwise then I demand they show proof with a certified green receipt bearing my signature was sent at least 5 days prior to the negative information being reported. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic financial information. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
XXXX XXXX XXXX [ Account number XXXX ] is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Furthermore, pursuant to the Fair Credit Reporting Act, furnished information CAN NOT be inaccurate or questionable AND the furnisher of the information MUST send a letter in writing that they are going to furnish negative information to consumer reporting agencies. I NEVER received such letter further violating federal law, to be more specific 15 U.S. Code 1681s-2 ( 7 ) ( A ). If this company believes otherwise then I demand they show proof with a certified green receipt bearing my signature was sent at least 5 days prior to the negative information being reported. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic financial information. Please see attached.

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 2024-03-26 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: PA

Complaint narrative:
I have reviewed my credit report and noticed that I have several Late Payments that reported to one account. This account is being reported inaccurately on the XXXX Consumer Credit Report several times, and I have requested that this be investigated and the inaccuracy be updated from a " past due '' status to a " Pays account as agreed '' status. The Consumer Reporting Agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached screenshots of the credit report showing the specific inaccuracies. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to " Paid or Paying as agreed '' immediately. Thank you in advance for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: VA

Complaint narrative:
I have federal student loans that are serviced by MOHELA. For these loans, interest accrues daily. 

On XX/XX/XXXX, MOHELA began transferring all of the student loans it services to a new servicing system, a process that it expects to take 30 days. 

On XX/XX/XXXX, I attempted to make payments to my student loans, but during the month that the transfer to a new servicing system is taking place, MOHELA will not allow me to make any loan payments. Online payments and payments over the phone with a customer service representative are not available. While I am permitted to mail a check to MOHELA, I was informed by a MOHELA customer service representative that any checks would be held and would not be applied to my loans until the transfer of all loans to their new servicing system is complete. 

In other words, MOHELA will continue accruing daily interest on my student loans, but will not allow me to make any loan payments. 

This is a MOHELA problem -- no borrower should have to pay extra interest charges because MOHELA needs to fix/update its internal operations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
Please delete or remove these items on my behalf. This is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information present on my credit report. In my correspondence, I meticulously detailed the accounts in question and highlighted the violations they were perpetrating against my consumer report. Despite allowing more than 30 days for their response, none of the credit bureaus have addressed my concerns or provided any resolution. Attached below are copies of all letters sent for your reference.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent disputes to XXXX, XXXX, and Experian regarding inaccurate information present on my credit report. In my correspondence, I meticulously detailed the accounts in question and highlighted the violations they were perpetrating against my consumer report. Despite allowing more than 30 days for their response, none of the credit bureaus have addressed my concerns or provided any resolution. Attached below are copies of all letters sent for your reference.

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 2024-03-26 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: MS

Complaint narrative:
I contacted XXXX XXXX approximately a XXXX XXXX XXXX XXXX  ago, and spoke to an agent ( XXXX ) about the process by which i could let my soon-to-be ex-wife assume the Mortgage on our home upon completion of our divorce process. The agent assured me that since my wife was on the loan application with me, but not the loan itself, that XXXX XXXX would be happy to transfer the loan and all financial liability for the loan to my wife upon receipt of a divorce decree. 

I called back approximately a XXXX  later to confirm the details of my conversation with XXXX XXXX, and they informed me that my wife would not be able to assume the property without refinancing at a much higher rate. I asked why this would be, since the St. Germaine clause of 1982 would allow for such a transfer. XXXX XXXX informed me that this was due to restrictions placed upon the mortgage by the investor I authorized my wife to speak to XXXX XXXX regarding the loan, and they told her that it could not be transferred to her due to the fact that it was a USDA loan. 

I spoke to the originating agent who worked for XXXX XXXX  at the time, and now works for a large bank as the head of Overwriting. He said that he could not find anything in the paperwork that indicated that we would not be able to transfer the property in the event of a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XXXX system a collection for XXXX on my bureau of credit that I don't recognize and I don't know from where came from.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I believe the account is invalid. JEFFERSON CAPITAL SYSTEM LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
XXXXXXXX XXXX XXXX  4XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
While pulling my credit report from XXXX XXXX my credit score from Equifax is showing as XXXX, and on a standard report from XXXX and XXXX XXXX it shows as XXXX. The Representative from XXXX XXXX let me know that they use a different scoring matrix. I also noticed that XXXX XXXX had inaccurate information different from XXXX and XXXX XXXX. 

Equifax is also responsible in providing inaccurate information on my credit profile and causing harm to me personally and to my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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:
I reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX/XXXX  ) & ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.

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