vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Over XXXX years ago I used my Capital One credit card to receive a cash advance of {$1000.00} ( as I remember it ) in order to pay my home owners insurance for XXXX year ( this was necessary in order to refinance the mortgage on our home ) The credit card company treats cash advances differently than purchases and the cash advance rate is higher than the rate for purchases. Though I've been faithfully making credit card payments, my credit card company is still charging the monthly interest on the loan of {$1000.00}! I was told by the bank that the only way to stop the interest charges would be to pay what's left on the principle of the loan which was still over {$900.00} ( the last time I checked ) This is outrageous and completely unfair! I always pay more than the minimum on my card but so little of that extra money gets applied to the principle of cash advanced that I am essentially doomed to pay on that loan for the next 20 years or so and end up paying thousands of dollars more than the original {$1000.00} cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

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 2023-08-17 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I am XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
The company contacted my mother in regards to the debt while i was in the hospital giving birth around the date of XXXX XXXX XX/XX/XXXX giving her information to a debt owed and asking if i was available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express bank ( Amex ) is violating consumer rights. Below are the facts of my complaint. 

1. I opened an Amex CD certificate of deposit on XX/XX/XXXX for a term of 12 months only. Account number ending in XXXX. 

2. As of XX/XX/XXXX I have {$71.00} worth of accrued interest. 

3. Upon inquiring for early withdrawal and closure of CD as of XX/XX/XXXX I was told by customer service and their manager that I would have to pay a penalty of {$300.00} on XX/XX/XXXX this is illegal since I have only accrued {$71.00} in interest! Only the interest accrued should qualify for the penalty and NOT the principal amount. 

4. AmEx makes it impossible to close out this account online or to even change the maturity instructions to close out the CD upon maturity. It seems the CD automatically renews even though I have asked their customer service multiple times over phone that I do not wish for the CD to automatically renew but noone helped me to change the CD maturity instructions. 

5. Amexs CD disclosures are misleading and DO NOT mention it clearly that the consumer would have to pay future interest NOT YET earned as a penalty for closures. 

Can the CFPB assist in correcting this extremely dubious banks deceptive and illegal practices? And I hope that through my actions other consumers are not subjected to the same level of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
After logging onto MOHELAs app today XX/XX/2023, I was requested to fill out an IDR application. Yesterday, XX/XX/2023 I had filled out an IDR application with the Federal Student Loan website. 

In attempting to fill out this paperwork, MOHELA requested the adjusted gross income of myself and my spouse SEPARATELY. However, as I chose on the form, I file my taxes married jointly with my spouse. This means, as should be obvious from a very common federal form, I only receive a single adjusted gross income for my spouse and myself. There is no way to provide this information, there is no explanation for how it is supposed to be filled out on MOHELAs website. 

When I called MOHELA customer service, it took XXXX minutes of menus to get to a live human being. When I spoke to this customer service representative they suggested that I fraudulently represent that my adjusted gross income and my spouses was the SAME, i.e. that our joint adjusted gross income was jointly double what it actually was. Upon pointing out that this would be inaccurate, I was put on hold for another 20 minutes only to have my call dropped without a call back or explanation of what I am supposed to do. 

After this I tried to send a electronic message to the company. Instead of accepting and sending the message, MOHELAs website erased the message and signed me out. I do not have the time in the day to deal with their incompetence on this level. MOHELA needs to make a site that works and customer service that meets the bare minimum level of competence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I received a notification stating that there is a new financial account inquiry with PNC Bank. I called the bank, gave my info. The man on the phone said he will put in a fraud report. He would not tell me if there's an account open. He said unless they need more info, I will not be contacted again. I asked if they would close the communication loop and let me know that they closed any accounts, he said no. He said he had no way to know I'm not the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing one CAPITAL ONE credit card account on my Social number. but I never applied for CapitalOne credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is capital one account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This situation involves a violation of 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. They failed to furnish me with a written notice about the account before it was reported. Consequently, I am requesting the removal of this account from my credit report due to my disagreement with the asserted debt. 

Furthermore, their actions infringe upon my rights as stated in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes of consumer reports. They reported the account without obtaining my consent and improperly utilized my social security information. In light of these circumstances, as a victim of identity theft, I am invoking 15 US Code 1681c-2, which mandates the blocking of such data without my explicit written permission. 

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my right to privacy. Unfortunately, this right has been violated, as the public reporting of this information by your organization occurred without my authorization. 

I insist on the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX : I purchase a new XXXX XXXX from a local dealership ( XXXX XXXX  ). I finance the balance of my loan though Toyota Financial Services ( approx XXXX of $ XXXX total ) XX/XX/XXXX : my XXXX  account is set up online, and I set up autopay of {$760.00} per month AS LONG AS there is a balance owed to XXXX  ( per the contract ) XX/XX/XXXX : I come into a extra money and decide to pay off the loan amount. Their website is LESS THAN FRIENDLY when it comes to making ONE TIME PAYMENTS. I post the payoff amount ( approx $ XXXX ) and XXXX  refuses to take it. I contact XXXX customer service. They FAIL to explain things the first time I called. I call back and it seems ( after I figured it out ) that only {$4900.00} can be taken as a ONE TIME PAYMENT. Since I owed over $ XXXX, from XXXX XXXX I made four ONE TIME PAYMENTS of {$4900.00}. That left my payoff amount on XXXX XX/XX/XXXX of {$1800.00}. I make one final ONE TIME PAYMENT of {$1800.00} ( enough to ensure its paid off ) on XXXX XX/XX/XXXX. THEN, they STOLE ANOTHER AUTOPAY of {$760.00} AFTER the PAYOFF AMOUNT had been posted XXXX XX/XX/XXXX : I received in from the USPS a check from XXXX  for {$13.00}. WHERE IS MY TITLE? WHERE IS THE {$760.00}? THESE CRIMINALS HAVE STOLEN MY MONEY AND REFUSE TO SEND IT AND MY TITLE TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX  a credit inquiry report was run with XXXX  and XXXX  XXXX XX/XX/XXXX  I called both companies and they reported it was fraud and terminate the application process. 
XX/XX/XXXX  I notified experian about the 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 2023-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
Good afternoon, I received a letter from NCB Management about 3 months ago informing me my information was compromised in a data breach. The letter stated my information was compromised, however did not explain how, why or what measures will be taken to prevent a future breach. I called XX/XX/2023 and spoke with supervisor XXXX and asked for a new letter due to receiving a couple pay cards I did not apply for. I lost the original. She refused to send me a new letter stating they were sent out by vendors and I could not have a new one.

Company response to consumer: Closed with explanation