vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act Capital One, XXXX XXXX, XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : XXXX XXXX XXXX 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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX, XXXX XXXX, XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX, Exeter Finance, XXXX have violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The car was total lost in a car accident in XX/XX/2016. The insurance should have covered all loses. The company is still reporting that the account is open and payments are late/missing for the past XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern, I received in the mail a new debit card to CapitalOne Bank for a XXXXchecking account. 
I did not open a new checking account with CapitalOne Bank. 
I contacted the activate card division first using the phone # provided on the letter, alerting them that I did not open a checking account. They informed me that I was a victim of identity theft and I should contact all 3 of the credit bureaus and alert them and take action to protect my identity. 
I then contacted CapitalOne Bank online dept. and tried to find out any info on this checking account, the only thing I found out was on XX/XX/2022 it was opened and as of today XX/XX/2022 it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : LVNV FUNDING LLC Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This all started on XX/XX/XXXX, when I got a text message for a job offer at XXXX XXXX. I dont even remembered applying, but they were very convincing telling me I will get paid XXXX dollars an hour, and training will be XXXX dolllars an hour. I went through the whole process of introducing myself, and they gave me the job. The hiring manager then told me that they will send a check of {$1900.00} on XX/XX/XXXX, and to deposit. I deposited and then told me to send money to vendors. I sent the money and sent proof of the transaction. Then they gave me another check on XX/XX/XXXX which was {$2500.00}, deposited it, confirmed, and sent more money to vendors. A couple days later, I received a email from my bank telling me that the checks got bounced back because the account didnt have any money in it. And money was taken out of my personal account because the checks were empty. I told them, and they will tell the supervisor. The next check they sent me was XX/XX/XXXX which had {$3500.00} for more supplies, but they told me its a legit check and to deposit it immediately. I deposited and send out more money to vendors. They even told me the XXXX was for gas and other bills. Then they also told me that on Thursday XX/XX/XXXX at XXXX, I will be talking to my supervisor about everything and introducing myself to the company. I woke waited, waited, and waited for XXXX hours and nothing. No call and no text. I decided then to search the company name and scam, I clicked the first link, and saw similar stories from people that they got scam from the group and it was really recent too. I then decided to dispute the transaction through my bank, but the next day they declined it. I wanted to send evidence to prove that it was fraud, but they told me they couldnt do anything about it. Overall, I lost over {$13000.00} to this fraud and I really want my money back.

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 monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : CAPITAL ONE Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : ACIMA XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CT

Complaint narrative:
XX/XX/17 I was at XXXX purchasing some food with my Key Bank debit card to my surprise it was declining I called Key Bank and they told me that they blocked my card because they got a message from MasterCard the day before that my card been compromise the problem is they didn't give me immediate notice that my funds will be blocked because of the situation they have my phone number and email and in the morning I looked at the banking app that there was no notifications of my card being closed or block. And I missed my doctor 's appointment because I had to go to a branch to get a ATM card just so I can get access to my money. They had a duty to legally tell me immediately what was going on with my account. On top of that the XXXX  employee was going to call the cops on me because I was able to pay for the food. Because of their negligence I suffered emotional distress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
It's my belief that XXXX XXXX  has taken discriminatory actions against me. The company fails to abide by federal regulations. Company is in direct violation of 15 U.S.Code 1681a ( 2 ) ( i ) which clearly states item to be excluded from a consumer report ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; shall be excluded. The definition of excluded means remove from consideration. XXXX XXXX has taken adverse discriminatory actions against me and has failed to perform a FAIR and accurate investigative consumer report as defined under the rules of construction 15 U.S.C 1681a ( 3 ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. XXXX XXXX has no prior written permission nore any lawful authority having means of my nonpublic private personal information. Fraudulent acts having the use of my non public private personal information and furnishing collections on my consumer report as a way to coercing a payment a direct violation of 18 U.S.C 1028a Identity Theft! Company is also in violation of a Ceist and Desist order, terminating communication through all mediums directly or indirectly. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXXXXXX Balance : : {$190.00} 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 2022-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/2022 One Main Financial approved a personal loan for {$3000.00}. 

They asked me to furnish my new lease and they could release the funds ( XXXX XXXX ). 

My landlord furnished the rental agreement than became mad at me and called and discussed my finances with One Main Financial in the XXXX XXXX without my authorization. 

I wrote XXXX an email telling him he was not supposed to discuss my finances or account with XXXX XXXX or her property management company. 

Shortly after XXXX XXXX phoned And solicited illegal information my loan which had been approved XX/XX/2022 was suspiciously denied XX/XX/2022. 

XXXX XXXX and One Main Financial were not authorized to speak to XXXX XXXX or any third party about my personal information and loan and they in fact disclosed personal information Cavour me to a woman with a criminal past and who was in jail and a suspected XXXX. 

XXXX XXXX and the property owner XXXX XXXX tried to extort money from me and when I thwarted their efforts called One Main Financial illegally and had my loan cancelled. 

What troubles me is the lack of identity protection and wanton disclosure of my financial affairs with a known criminals and felons. 

One Main Financial should be closed as an institution to protect me and the unsuspecting general public. 

Never in a million years did I think a private party ( ies ) could get angry with me call my loan originator and have my loan cancelled for a personal matter/dispute.

Please penalize One Main Financial. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Here again is the incorrect information being reported : TARGET/TD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
In XXXX, I entered into a two year lease agreement with XXXX to lease a XXXX XXXX XXXX. My lease was schedule to expire on XX/XX/XXXX. I called XXXX in XXXX and asked to extend my lease term for a few months because my father was in the hospital and I was unable to locate a replacement vehicle. XXXX agreed to extend the term of my lease. During my conversation with the representative I was never told that during the renewal term XXXX would stop collecting my monthly lease payment from my auto payment account on file. For two years I paid my lease on time every month through the auto payment option on the XXXX website. I was never late and never missed a payment. On XX/XX/XXXX, I received a notification from the credit bureaus that XXXX reported my XXXX payment as late to the credit bureaus. I called XXXX right away and found out that I was reported because XXXX did not auto bill my payment. I told them that I was never informed about this policy and I did not receive any notification prior to the credit marking. XXXX declined to remove the credit marking. This is a false and deceptive practice by XXXX to potentially trick customers into paying late fees, or this is an oversight in their business practice policy. XXXX failed to provide the proper notices. This is the only negative credit marking on my credit history in the past four years and it has lowered by credit score by XXXX points, which resulted in a car loan and mortgage loan denial. XXXX also failed to report my on time payments to the credit bureaus on XX/XX/XXXX and XXXX, XXXX, XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ), XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$1600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.

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