vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My credit union, XXXX XXXX XXXX, notified me of a late payment on my credit report. I knew I was not late on anything, so I looked into it. It turns out, someone took out a fraudulent Capital One card with a {$9500.00} limit, with a late payment reported in XX/XX/year>. They then maxed out the card that is in my name, leaving my with a balance of {$10000.00}. I have nothing to do with this card or its fraudulent activity and would like this resolved as soon as possible. Attachments include the credit union report of the situation showing the fraudulent balance, an XXXX, California " previous address '' of which I have no association. There is also a screenshot of my capital one account, showing no record or association of me with this card through the card 's issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I never authorized this company to collect a debt I also was harassed numerous times by phone text and mail They also reposted this debt to my credit report with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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 requesting that it will be removed from my credit report as soon as possible.

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 2024-08-19 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My Regions checking account was hacked. There were multiple fraudulent checks drawn on my account within a couple day window. The checks were made out from State of Maryland for child support. I have no children. There were four checks drawn from the account, each near {$1000.00}. I notified the bank by way of calling as soon as I discovered this and alerted the bank to the fraud. I also visited the branch to seek assistance. I was told to also file a police report, which I did. My account was then frozen while they began a fraud investigation ... or so I was told. ( This was XX/XX/XXXX when I notified the bank and filed the police report. ) I was told I could open a new checking account at Regions while the investigation occurred. I obtained a loan from a family member to assist in this process, and deposited over {$10000.00} into my new checking account. 

Within five days of depositing into my new account, Regions debited my new checking account for the balance of my old checking account ( {$4000.00} ) that was reportedly being investigated for fraud. I never received anything from the fraud department about the investigation nor the outcome of the investigation. 

I have visited 2 different branches since the money was taken out of my account and I have called countless times. No one seems to know what to do to get the money returned to my new checking account, and no one seems to know what happened to the fraud investigation. It honestly looks like no fraud investigation ever even occurred and it makes me wonder if the bank took the right steps in fraud protocol. I am now being penalized and had to pay for fraud that was never my fault, per the police report. 

The worst part about all of this is the fact that no one seems to know how to help me and no one really has the authority to do anything.

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 2024-08-19 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-19 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: MD

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. 

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, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I have no dealing with this company and do not owe a debt to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I've been banking with Current for a few years now. I hadn't really had much of an issue UNTIL this year. I used my Current Credit Card for renting vehicle. The rental company overcharged me. This resulted in my account being overdrafted. I contacted the rental company and the refunded me a total of {$740.00} in 2 different transactions ( {$550.00} and {$190.00} ). The refund was never reflected on my account even thought it was refunded in XXXX. As of XX/XX/XXXX, my account was still overdrafted {$400.00}. If the refunds had been processed on my account there no way I would still have a negative balance. The final transaction from the rental company, I filed a dispute thru Current, which was in regards to being charged {$1500.00}. When the final bill after the rental company fixed there mistake amounted in {$370.00}. So, I recently receive correspondence that I won my dispute and should be issued ( which shows as a deposit ) of {$1100.00}. However. Despite not using my card since XXXX ( waiting for the refund to be credited to my account ) my balance is only {$760.00} with no other transactions since. Where did my money go?! Now my account is locked/restricted and I've been getting the run around about having to wait for some fraud department that only responds via email to contact me. Meanwhile I have no access to my money and everyone is very nonchalant about it. No matter how many times you call or email they give you the same responses. To wait for an email from mysterious department that may or may not eventually respond to you. I've sent numerous follow-up request and been promised responses within 24-48 and have yet to get any info as to why it was locked or what supposed fraud they attempted to block. 

UPDATE : It's been 2 weeks and the agents I co tinie to deal with either have no idea how to address the issue or they pass it off to someone else. Everyone keeps repeating the mantra that the " Fraud Resolution Team '' works back office and that my concern has been escalated and I should receive a response in 2-3 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 XXXXXX/XX/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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX communication about assuming the loan ; county and state records shows that I am the owner access to mortgage account online XXXX XXXX blocked from mortgage system ; uploaded documents to home preservation system ; eventually blocked ; email provided to attach documents ; submitted documents as instructed ; lender claimed that documents were never received; resubmitted the same documents over and over. 

XXXX XXXX XXXX XXXX confusing calculations p1 of mortgage statement shows payment sent but was applied to XX/XX/XXXX ; p2 shows owing XX/XX/XXXX after previous payments were sent to a debt collection agency and some payments were returned

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 2024-08-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXXXXXX 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 XXXXXX/XX/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 explanation
Consumer complaint received 2024-08-19 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXX XXXX  Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # 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 explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
I contacted a car dealership about purchasing a vehicle that I was notified was sold. The salesman then told me about a similar vehicle and offered it to me. While we discussed the vehicle, he said to fill out this financing form so that we can discuss more accurate numbers. While filling out the form I noticed a check box that said I authorized the dealer to run my credit. I immediately stopped and wrote the salesman, asking if the form would not be submitted until we discuss specific numbers, to which he replied correct. I sent them the form and the sent me a breakdown of numbers to which I denied. The manager then offered to send the form off to a few banks to see what the exact numbers would be, to which I replied no not at this moment. In the days later I received notifications from the credit agency XXXX that there were credit inquiries made by that dealership. I've spent three days contacting the salesman and managers but received no response. This unethical dealership tactfully deceived me through unprofessional actions. I need the unauthorized inquiry off of my credit report.

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 2024-08-19 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: FL

Complaint narrative:
I contacted a car dealership about purchasing a vehicle that I was notified was sold. The salesman then told me about a similar vehicle and offered it to me. While we discussed the vehicle, he said to fill out this financing form so that we can discuss more accurate numbers. While filling out the form I noticed a check box that said I authorized the dealer to run my credit. I immediately stopped and wrote the salesman, asking if the form would not be submitted until we discuss specific numbers, to which he replied correct. I sent them the form and the sent me a breakdown of numbers to which I denied. The manager then offered to send the form off to a few banks to see what the exact numbers would be, to which I replied no not at this moment. In the days later I received notifications from the credit agency XXXX that there were credit inquiries made by that dealership. I've spent three days contacting the salesman and managers but received no response. This unethical dealership tactfully deceived me through unprofessional actions. I need the unauthorized inquiry off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XX/XX/XXXX, US DEPT ED XXXX Balance {$5400.00}, US DEPT ED XXXX Balance {$4900.00}, US DEPT ED XXXX Balance {$6000.00}, US DEPT ED XXXX Balance {$4800.00}, US DEPT ED XXXX {$3700.00}, 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

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 2024-08-19 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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XX/XX/XXXX, US DEPT ED XXXX Balance {$5400.00}, US DEPT ED XXXX Balance {$4900.00}, US DEPT ED XXXX Balance {$6000.00}, US DEPT ED XXXX Balance {$4800.00}, US DEPT ED XXXX {$3700.00}, 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

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 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Santander consumer is misapplying payments, they now reflect my account as past due when I have made a payment EVERY month since opening the account. They have stated to me that they have sent the account for internal review but I do not trust them to do anything correctly. I have attached all payments since the account was open to this complaint.

Company response to consumer: Closed with explanation