vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
My vehicle XXXX XXXX XXXX XXXXXXXX miles started to have problems, took it to the dealership XX/XX/24. I asked the salesperson at XXXX XXXX XXXX XXXX XXXXXXXX find a solution for me and instead of trading my vehicle, the salesperson sold me a new vehicle. My old vehicle didn't get fix and I had to take the vehicle home with me that day. The vehicle was finally fixed on XX/XX/24 but now I have XXXX loans XXXX with a XXXX interest rate and the other one with a 11 % interest rate, and an extra vehicle I don't need. The salesperson XXXX XXXX never explained to us the sales process, he stated it was too long of a process and he told us to call the Financial company and tell them that I had lost my job and that I can no longer make the payments. I do now find out that he sold us the XXXX vehicle " XXXX is ''. There are added fees we didn't know about and this is the second time he tricked us in buying a car and never explained the sales process nor the paperwork we were signing. We are struggling financially and a lot of psychological and financial stress is occuring after this episode. We would like to find a resolution to this issue asap. We are XXXX  speaking customer and we need someone to contact us in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The middle initial on my Equifax credit report is displaying as XXXX, this is incorrect. Please delete the incorrect initial ; XXXX, and replace with the correct initial ; A. I am writing your office today as I am a victim of fraud. An unknow individual used my personal information in the past to obtain credit. I filed a complaint with the XXXX XXXX Police Department and I attach a copy of the card containing the case number with this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Was sent a credit card pre approval by Bread Financial, Comenity Bank. I went online, filled out the information, and a box popped up saying, " we will contact you in 10 to 14 days. '' About 12 days later I get a letter from Comenity Bank saying I was denied because my credit score was too low, it was FICO XXXX. They claimed to have gotten from XXXX. I have an XXXX account and my FiCO score with them was at the time a XXXX. I had to go thru a bunch of hoops to get a number to call XXXX with. The lady I talked to told me there is nothing they could or would do, " you need to contact XXXX, '' she told me. I said, " I have an account with XXXX, and it states a XXXX, not a XXXX XXXX score. '' She again brushed me off. Credit Card companies can offer credit to whom they feel fit. But to deny someone on a bs FICO score is wrong. They do a soft pull, that is how they determine to offer a pre approval in the first place. The soft pull shows the XXXX score. Something else us going on here. I'm XXXX XXXX XXXX, I think they used my age to discriminate against me. When I filled in my date of birth, they said, " oh, too old, deny. '' Then, to cover up their discrimination, they give a bs reason and a bs FICO score. When you go to talk to them, they brush you off. I'm contact you because if they have done this to me, they've done it to others. I believe they need to be investigated. Thank you, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: AL

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$10000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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 checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate. 

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 2024-08-25 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: NY

Complaint narrative:
I checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
I have been trying since XX/XX/2024 to have the name changed on my account from my name to my trust. I have contacted customer service by phone, regular mail and email and my account still has not been changed. I received a response to my email asking for a marriage certificate, court order or drivers license showing the name change. I wrote back that I included a copy of my Certification of Trust and that they should check with their legal department if they dont understand. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX, XXXX, GA XXXX Unauthorized Access to My Credit Report CFPB, I am writing to formally address a serious concern regarding the unauthorized access of my credit report. 



CFPB it has come to my attention that my credit report was accessed on [ XXXX ] EQUIFAX pull my credit report without my written permission. As you are aware, it is illegal for individuals and businesses to obtain a consumer 's credit report without first acquiring written consent from that individual. 

The unauthorized access of my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer report may only be furnished for permissible purposes and with the consumer 's consent. 

I request a detailed explanation of how and why my credit report was accessed without my authorization, as well as the steps your organization will take to rectify this situation. Additionally, I ask that you cease any further access or use of my credit information until proper consent has been obtained. 

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

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IA

Complaint narrative:
Funds from gift card were removed by unknown, unauthorized business. Wide spread fraud from XXXX Vanilla gift card. Many victims/victim groups all across social media. XXXX XXXX ( XXXX  ) tells customers they will receive replacement card or refund but does not come after repeated attempts. THIS PRODUCT NEEDS TO REMOVED FROM MARKET. I have saved emails from XXXX XXXX starting back in XXXX. XXXX XXXX  Dispute resolution XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent information on my report that resulted from identity theft. My personal information was compromised without my consent, leading to unauthorized accounts and inquiries listed on my Consumer Report.

In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which covers the removal of information related to identity theft within 4 days. 

The fraudulent accounts are XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX- ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX Please conduct a thorough investigation into these matters and remove the disputed items promptly. 

For your reference, I have attached the following documents : Affidavit, drivers license, social security card, proof of address, and FTC report. 

Thank you for your attention to this urgent matter.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute fraudulent information on my report that resulted from identity theft. My personal information was compromised without my consent, leading to unauthorized accounts and inquiries listed on my Consumer Report.

In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which covers the removal of information related to identity theft within 4 days. 

The fraudulent accounts are XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX- ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXXACCOUNT NUMBER XXXX Please conduct a thorough investigation into these matters and remove the disputed items promptly. 

For your reference, I have attached the following documents : Affidavit, drivers license, social security card, proof of address, and FTC report. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know XXXXm disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I had car insurance with XXXX XXXX. I never renewed my insurance with them and now they have turned over the case to a collection company named Caine and Weiner to collect {$3000.00}. I never received the services and I would appreciate any assistance you can provide me. This is an unlawful charge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
I went to try to load money on my cash app card on XX/XX/year> and I noticed on my app, the deposit cash button was gone. I then contacted cash app support on XX/XX/year> and tried to find out why. They said it was some update in the system and some people were XXXX of it and some weren't. This is one of the biggest reasons that I and alot if people use cash app. I have tried to call support and ask them. They also said they can not tell me why I was XXXX of that feature. I have had my support app chat eneded by support because they refuse to give me any explanation on why it's gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent information on my report that resulted from identity theft. My personal information was compromised without my consent, leading to unauthorized accounts and inquiries listed on my Consumer Report.

In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which covers the removal of information related to identity theft within 4 days. 

The fraudulent accounts are XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX- ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX Please conduct a thorough investigation into these matters and remove the disputed items promptly. 

For your reference, I have attached the following documents : Affidavit, drivers license, social security card, proof of address, and FTC report. 

Thank you for your attention to this urgent matter.

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 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The middle initial on my TransUnion credit report is displaying as XXXX, this is incorrect. Please delete the incorrect middle initial ; XXXX, and replace with the correct middle initial ; A. I am writing your office today as I am a victim of fraud. An unknow individual used my personal information in the past to obtain credit. I filed a complaint with the XXXX XXXX Police Department and I attach a copy of the card containing the case number with this letter.

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 2024-08-25 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: NJ

Complaint narrative:
I expect a prompt response to this matter and will be monitoring my credit report closely for any updates. Your cooperation in resolving this issue is imperative, and I trust that you will rectify this situation promptly. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I sent in a complaint to get someone else off my credit report. Transunion changed that and now they messed up my name! It was XXXX XXXX XXXX and now they changed it to XXXX XXXX XXXX, which is incorrect! Now I have to contact them again! If I have to contact them one more time after getting this fixed, Im going to report them!

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello! below is a list of inaccurate information listed on my credit reports XXXXXX/XX/XXXX, open date XX/XX/XXXX showing paid, closed XXXX written off. i have information that this is not accurate and must be deleted. also late payments posted are not accurate on all 3 bureaus XXXX reports late XXXX, XXXX, XXXX of XXXX. XXXX reports XXXX, XXXX, XXXX, XXXX of XXXX XX/XX/XXXXXXXX open date XX/XX/XXXX credit limit {$300.00} XXXX is reporting late XXXX, XXXX of XXXX. XXXX is reporting late XXXX of XXXX information is not the same on all 3 bureaus. 

XXXX XXXX  balance XXXX this company is reporting late payments.on my reports, please remove according to USC 1666b The following are accounts that are not recognizable to me an a FTC report was filed. report # XXXX XXXX open date XX/XX/XXXX Balance XXXX XXXX XXXX open date XX/XX/XXXX Balance XXXX XXXX, XXXX, XXXX open date XX/XX/XXXX Balance XXXX XXXX XXXX  open date XX/XX/XXXX According to USC 605 b i would like this information deleted immediately. this is causing me great loss as his remains inaccurate on my 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