vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IN

Complaint narrative:
I've made several attempts to reach out to XXXX XXXX, there indenture trustee Bank Of New York Mellon, and XXXX XXXX Chief Financial Officer XXXX XXXX XXXX regarding my request for a refund of all securities due to securities fraud. I've discovered evidence indicating that XXXX XXXX has engaged in activities that violated federal securities regulations resulting in substantial financial losses to me. As a result I am requesting a refund of all past present and future debts. The evidence that I've gathered suggests that these activities were carried out intentionally. I am prepared to provide detailed documentation and evidence supporting these allegations upon your request. The Securities Exchange Commission ( SEC ) enforces strict regulations to protect investors from fraudulent activities and ensure the integrity of the financial market. With Bank Of New York Mellon being the indentured trustee your company has a fiduciary duty to act in the best interest of the bond holder and to comply with all relevant securities laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Subject : Unlawful Credit Reporting and Request for Resolution Citing Ohio FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am reaching out to address a serious matter involving the unauthorized reporting of information to my credit report, a clear violation as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I am invoking the relevant Ohio FCRA identity theft fraud laws to emphasize the gravity of this situation. 

It has come to my attention that CAPITAL ONE has engaged in unauthorized credit reporting without obtaining my explicit consent, a direct contravention of federal law outlined in the FCRA, which explicitly mandates consumer consent under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Ohio state law, particularly the Ohio FCRA identity theft fraud laws, reinforces the importance of consumer consent for credit reporting. This includes the protection against identity theft and fraudulent access to personal information, ensuring compliance with Ohio 's legal framework. 

I assert firmly that I have not granted consent for CAPITAL ONE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially causing harm to my creditworthiness, and demonstrates a disregard for federal and state laws. 

I demand, unequivocally, that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is essential to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and trust that CAPITAL ONE will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Debt collections due to purchase for home products, company states my email and phone number are correct and payments have been made therefore its a credible account. I filed affidavits and reports for identity fraud, supplied bank account statements per their request, have filed numerous requests to investigate and have been told its a valid account. When asked to verify where payments were from or original paperwork- could not show any proof. Just valid due to phone number, email address and a call from me in the past. Now I have a court summons that I responded to with all paperwork requested. I stated this was fraud and now the response was there was no denial in the debt- all lines in my response state that the debt is due to fraud.

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 2024-02-05 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: NV

Complaint narrative:
I have outstanding debt with Affirm and part of it was charged off and sent /sold to another company called XXXX XXXX collections. XXXX XXXX is unable or unlicensed to do business in Nevada they wouldn't be specific and affirm wont recall the debt to let me pay it so I am stuck with no estimated time frame for resolution of their business practice issues. How can I pay this or get it removed from my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
None of those numbers on my credit report are mine, and never were my numbers. My number is 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 2024-02-05 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:
None of those numbers on my credit report are mine, and never were my numbers. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported fraudulent personal debt amounts to all XXXX credit bureaus. 

On XX/XX/XXXX XXXX reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. 

This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

XXXX is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. 

This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ).

Moreover, while attempting to correct this fraudulent information with XXXX, their representative ( Employee ID XXXX XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( XXXX XXXX  ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. 

Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by XXXX. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that XXXX is unable to provide an accommodation in compliance with the XXXX ( XXXX ). I was informed that XXXX is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.

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 2024-02-05 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: AL

Complaint narrative:
Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are.. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. 

The following inquiries are.. 

XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX XXXXXXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card

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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc.
State: OH

Complaint narrative:
I sold someone my old phone which had my bank information in it. They then deposited a fake check which Im guessing went into the account and then someone sent out hundreds of dollars from the account and from what I got told, someone called in and said it was fraudulent. I stopped using XXXX XXXX a while before this even happened. I didnt close out my account but I switched to a different bank that is way better. I contacted the bank and they told me there wasnt anything I could do because it showed everything in my name. I contacted XXXX which is one of the places they sent out money to and they said to contact XXXX XXXX about a dispute. I did not approve the charges and I didnt have anything to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: LA

Complaint narrative:
I disputed this on XX/XX/2024 on this site and the company responded and said that this was not reporting on my report. I pulled a copy of my report to prove that this is reporting and needs to be removed. This company has lied about this not showing on my report several times. Please remove this off my report as it is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had an account with Wells Fargo for many years. Since XXXX  I believe. But my father warned me that the banks were all predatory institutions. 

I tried to stand up for the banks against this allegation. I believe it a begins with the checking account, establishing a facade of trust. Then credit cards are advertised, even when reason stipulates that spending less than what one earns is the only foolproof way to produce wealth. 

Don't get me wrong -- I believe that owing to my XXXX XXXX I probably could run a highly ethical banking operation myself. But I have been unable to find a single existing bank that won't fall prey to the contra-moral trap of becoming predatory. And it all began with Wells Fargo. 

I am still waiting for my XXXX application to be approved through the social security administration. Frankly, if more people understood the severity of repercussions that come from trusting a bank like Wells Fargo, we could probably sue for a lot more power than what we have right now. Note I said power, not money. Because I am not greedy, just highly abused and super defensive. I only want to exercise power in order to threaten those that threaten me. To protect myself.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623. 
responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate

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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
This is referring back to my case last year XXXX, I am constantly trying to get this resolved while Affirm continues to provide no updated information nor help. I have contact Affirm numerous times via email and phone and all they say is someone will contact me, this has been for the past 2/3 months no one from Affirm has ever contacted me regarding this. 
Affirm claims I owe {$2400.00} towards a debt for an item I told them I never received, since affirm refuses to respond to anything I had to raise a claim with who they says is my current debt collector " XXXX ''. That claim has since been resolved since XX/XX/23, I received an email from XXXX stating that as of of XX/XX/23 XXXX will no longer attempt to collect on this account on behalf of Affirm. Anymore questions contact affirm, which I have done and I have never got a response from them since last year. I am aggressively trying to fix my credit as I don't have a car right now so I really would like to push this issue to be solved and off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Lack of transparency regarding AUTO-RENEWAL and NO GRACE PERIOD for Certificates of Deposit by Pentagon Federal Credit Union ( PENFED ). 
I was not told verbally or in writing when I opened a very large CD ( opened XX/XX/XXXX, matures XX/XX/XXXX ) that PENFED has no grace period and that an online auto-renew switch must be turned off by the customer to stop a CD from renewing immediately at maturity. An online auto-renew switch is not a legally binding document and is susceptible to technical glitches and errors. I mailed PENFED a certified letter instructing them not to renew my CD at maturity and to provide me with a written document reflecting my request. A review from a dissatisfied PENFED customer and a XXXX article alerted me to what appears to be PENFEDs attempt to cause unsuspecting CD holders to unintentionally renew a CD and then be on the hook for early withdrawal fees.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed two hard inquiries on my Equifax credit report : ( 1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) Inquiry Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX  XXXX I have contacted Equifax a total of 3 times for the purpose of disputing these inquiries, as I have never had any contact with these two businesses or given them permission to make hard inquiries on my credit files. I first contacted Equifax on XX/XX/XXXXXXXX  by filing an electronic dispute. Equifax completed this " investigation '' within 7 days with their determination being that the inquiries was valid and would remain on my credit report. I then wrote to Equifax on XX/XX/XXXX requesting that they provide documentation to support this, but never received any response or confirmation that my information was received. Finally, I filed a second electronic dispute of these two hard inquiries on XX/XX/XXXX. This time Equifax claimed to have finished their " investigation '' in less than 24 hours with the result being the same as the first dispute. As I have stated, I have never had any contact with these businesses and these hard inquiries should be deleted from my credit report immediately. I previously requested that Equifax provide me with proof that these companies were given the proper authorization to conduct these hard inquiries, by providing a signed contract or other supporting documentation. Equifax has failed to do so. Furthermore I believe that Equifax has failed to conduct reasonable investigations into this matter in violation of the FCRA and US Code 1681i. 

Equifaxs response from XXXX is absurd. Equifax has provided zero documentation proving these were valid inquiries to my credit report. I will be escalating this further until I receive said documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
The loan was an XXXX XXXXXXXX XXXX the foreclosure was from XXXX XXXX XXXX XXXX  which is not a company and so they made up a company to foreclose because XXXX XXXX is gone. The loan is a asset back security and the original loan doesn't Exist. Despite all that the judges in Hawaii don't care they worry about their pensions only and they claim they sold the house but the didn't foreclose on the owner they foreclosed on me the tenant that lives here! 
It's a wrongful foreclose and they offered me a chance to pay {$400000.00} and I had a witness on the phone and then when we asked for payoff it was XXXX plus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, my Priceline credit card was charged {$700.00} from a balance check sent to me through the mail. However, I did not do this transaction. I called Priceline multiple times and filed a fraud claim. After a few weeks, the result arrived, and one representative of Priceline told me that this transaction was valid because according to their investigation, I transferred this {$700.00} to my other account on my XXXX XXXX XXXX XXXX. They also told me to call XXXXXXXX XXXX to check the transactions so, I tried contacting XXXX XXXX to look for this transaction however, the bank did not find any transaction for this amount in my personal checking and savings account.

Priceline provided me with the check number and the payee 's name but XXXX XXXX still couldn't find this Transaction. Priceline approved this transaction even though I did not sign any cash check. I will upload my bank statement from XXXX XXXX during XXXX and XXXX to prove that I did not cash any Priceline check from my account. And I will also include the Priceline fraud investigation 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 monetary relief