vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CO

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit.

SPRING OAKS CAPITAL LLC Account Number : XXXX Charge Amount : {$950.00} Date Opened : XXXX XXXX XXXX ( 2 yrs, 7 mos ) Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: EQUIFAX, INC.
State: SC

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: TX

Complaint narrative:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: TX

Complaint narrative:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>XXXX  XXXX XXXX  formally know as XXXX haulted the foreclosure based on my QWR, Notice of Errors, send me the documents showing what investigation was done the conclusion of the investigation and the corrections done to the loan prior to proceeding with the foreclosure UNABLE TO PROCEED WITH PFFCRS AS LOAN HAS AN ACTIVE/UNRESOLVED BORROWER XX/XX/year> XXXX COMPLAINT/ESCALATION.PROPOSED RESOLUTION DATE : XXXX XXXX Activity Log attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: MO

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 XXXX 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 informationisinaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: FL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent activity on my report. Please remove these from my report as it is effecting 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 2024-09-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT SEE THE ATTACHED, THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU ( " XXXX '' ) Ladies and Gentlemen : We apologize for using this new-complaint communication form, but insoluble technology problems prevented our using the previous-complaint communication form. 

This letter concerns our Complaint No. XXXX against Synchrony Bank XXXX XXXX XXXXhe Bank '' ), submitted by us on Wednesday, XX/XX/year>, and to which the Bank 's purported response was sent to us by the FCPB on XXXX, XX/XX/XXXX ( " Complaint '' ). 

Our present plan is to file suit against the Bank. We find its purported responses to our Complaint to be utterly non-responsive and less than superficial. It ignores all the allegations in the Complaint, and simply regurgitates the alleged history of this matter. 

A lawsuit now seems to us the only way to compel the Bank to respond substantively. However, we want to be sure that we have first exhausted all possible remedies at the CFPB level. Before filing suit, we ask your advice as to whether anything further can be done by or before the CFPB. 

Respectfully submitted, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - approx. XXXX XXXX ET

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX and Capital One regarding a purchase I made through the XXXX platform. The product I received was faulty, and despite the advertised assurance money-back guarantee, I have only received an offer of {$300.00} from XXXX to resolve this issue, which I never received and is not satisfactory. 

The prices for products from this company fluctuate greatly ( see attached for details of the products that were sent ). I opened XXXX and tried to use it ; it is of terrible quality, with a pin that came out of the casing, making the attachment unusable. It is smaller than any steam mop I have seen, hard to use, and comes disassembled with no instructions. I wanted to return it, but they would not accept the return. Additionally, I was charged {$600.00} for shipping on these products. I hold XXXX responsible for the actions of their suppliers and would not have purchased if they had not posted the guarantee, which they have failed to honor. 

Order Details : Date of Purchase : XX/XX/year> Date Received : XX/XX/year> Return/Refund Requested : XX/XX/year> Capital One Dispute Initiated : XX/XX/year> Capital One Order REF : XXXX Purchase Amount : {$920.00} Refund Offered : {$300.00} Issue Description : I ordered what was advertised as a high-quality product. However, the goods received were a shoddy version of what was promised. This constitutes a breach of trust, as the supplier switched the product or misrepresented it. 

Protections Offered by XXXX : Delivery assurances : Expected delivery dates were not met. 
Secure payments : I made my payment under the premise that it would be protected. 
Easy return/refund policy : I followed the protocols, but my claim was inadequately addressed. 
I have disputed the charge on my Capital One credit card and submitted all required documentation, but I was never provided with a receipt. Capital One continues to send me the same request over and over, and they have refused to assist me with the charge, citing the manufacturers refusal to accept the return of the defective products. 

I have been in communication with both XXXX and Capital One for months since receiving the products in XXXX regarding this matter, and I believe their lack of support and false advertising is harmful to consumers. I am requesting that the CFPB take action to address these issues and flag both companies for their failure to honor consumer protections. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. XXXX WE CAN HELPI + Please attach copies of the following documents : Agreement that you have authority to collect on this XXXX alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that XXXX the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/year>, I received letters from Capital One, dated XX/XX/year>, notifying me that my credit card accounts, with limits of {$300.00}, {$300.00}, and {$2500.00}, had been closed due to alleged violations of the terms of the agreement. These letters did not specify which terms were violated, leaving me without clarity on why this action was taken. I have been a loyal customer with Capital One for at least a decade, always in good standing, and have consistently paid all my bills on time throughout my relationship with your company. 

The sudden closure of these accounts has caused significant harm to my creditworthiness. For the first time ever, I now have derogatory remarks on my credit report, including missed payments, which were never my fault. These derogatory remarks have caused a substantial drop in my credit score and impacted my overall financial stability. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to ensure that my credit report is accurate and complete. The inclusion of inaccurate derogatory remarks undermines my credit reputation and standing. 

Furthermore, the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) mandates clear and transparent communication of terms between lenders and borrowers. The failure to provide an explanation for these alleged violations represents a failure to comply with the disclosure requirements under TILA. The Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) prohibits discriminatory actions in credit-related decisions, and I believe that the lack of transparency and failure to notify me properly constitutes an unfair practice that has damaged my creditworthiness without just cause. 

This situation has also caused severe emotional distress. The damage to my credit history, caused by Capital Ones actions, is unjustifiable, and the resulting stress is negatively impacting my emotional well-being. I believe this is an infringement upon my constitutional right to pursue life, liberty, and happiness, as protected by the U.S. Constitution ( see the Due Process Clause of the Fifth and Fourteenth Amendments ). The emotional toll of this situation, compounded by the financial harm, has disrupted my ability to enjoy life and plan for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NC

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/XXXX i git a call from Wells Fargo stating that my account had been compromised they read me several charges that were mine and some that were not. I received the normal texts requiring me to read back a code. they then said that it looks like whoever it is is in your account attempting to do a wire transfer from both your checking and savings accounts they guided us through a process to reverse the transfer. I got suspicious and had my wife call wells customer support who said hang up its no us and they put a hold on all our accounts. The transfers took place any way, but we filed a fraud claim at that time less than one hour from the act. We were told it was quick and that was good it could take 5 to 10 business days to get XXXX to retrieve and reversed the funds. we went on XX/XX/XXXX and closed and replaced all the accounts and filed a report with the XXXX XXXX XXXX XXXX. On XX/XX/XXXX we received a letter from Wells Fargo stating that the money would not be returned. I called and they said that they knew the names and account numbers of the individual who committed the fraud through XXXX but XXXX refused to return the funds and said it was a legal transaction. I called XXXX and they said sorry cant help you go to Wells Fargo. I then called XXXX XXXX ( I have an account with them also part of XXXX ) their rep told me to call Wells Fargo and have them reopen the case and try again. with all the information and only 1 hours passing they should have had a good chance to retrieve the funds. I cant call now until Monday XX/XX/XXXX their Fraud dept is close on the weekend. I guess scammers don't work on the weekend. All the information they had was birthdays, account numbers ad full soc sec numbers it looked like they were in our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: TX

Complaint narrative:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on XXXX separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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