vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As of XXXX, I requested to close my cc due to fraudulent activities. I received a case # for both XXXX XXXX  and was told if I wanted to receive another I would have to mail or fax my DL for ID verification. Understood but since my emails were hacked as well, can they mail out 13 months of printed statements. I already had XXXX dispute on my XXXX XXXX I asked what the last transaction was. 
It has been 4 months, and I don't know why they won't send it to me. I've been verified in the branch and on their phone. 
However, in the midst of calling once again for my statements, I find out that a cc was requested on XXXX  using only the mobile app and sent out on an already fraudulent account. My credit cards should never be sent on a fraudulent acct. I had it closed on XX/XX/ when I found out about it. 
To file a police report, they wanted the full XXXX XXXX that I just closed. XXXX XXXX ( supervisor ) they can not provide me the full XXXX digits of the card for security reasons. A card I never had in my possession, a card that should not have been generated b/c both my checking and XXXX are fraudulent, but I am still waiting on my statements. For whatever reason the branch won't print them. I refuse to pay for anything on my XXXX without seeing my statements. After 18 years, I am done. I pulled my savings and waiting to close my checking once everything has been disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 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: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( WESTLAKE FINANCIAL ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( WEST LAKE FINANCIAL SVCS ) shall not furnish any information relating to a consumer ( Me ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows of has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SVCS can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as XXXX or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. 
This reporting is unsatisfactory, WESTLAKE FINANCIAL IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In WESTLAKE FINANCIAL SVCS 'S TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WESTLAKE FINANCIAL nor are they " bureaus ''. 

I have a right to Privacy and Per the Privacy Act of XXXX as a federally protected consumer, I am now revoking any and all authoritization I the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a. WESTLAKE FINANCIAL must also refund the remaining balance of the consumer account upon its termination. this your 7 day notice to return ALL money due from this consumer. account THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: NC

Complaint narrative:
I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " XXXX XXXX XXXX '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the XXXX XXXX XXXX account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.

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 2024-02-04 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: NC

Complaint narrative:
I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " XXXX XXXX XXXX '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the XXXX XXXX XXXX account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: NC

Complaint narrative:
I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " XXXX XXXX XXXX '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the XXXX XXXX XXXX account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.

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 2024-02-04 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: WI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX somehow somebody got the information on my card and when in my account and spent {$710.00} at XXXX retail stores I guess buying gift cards the only thing I can think and wiped out my account in XXXX minutes I have sent every bit of proof to chime trying to get this situated they sent me photos of a digital wallet with XXXX other women 's names on cards never once show me where my card was once associated with this account at all they have denied my case and now they won't talk to me anymore I've sent other emails to them and they've ignored them or they just send me the same email saying that I'm denied I sent them videos of me in my home at the exact time that these people were scanning money out of my account I sent them text messages I sent them email showing them my time punches at work and I'm still denied. They had labeled me as the thief when there are XXXX other names on these cards that they covered up the last name of course so I can't see I am also writing them trying to get these women 's names so that I can press charges but of course still no help from them any help from you would be greatly appreciated I'm an honest woman that goes to work and babysits my grandchildren I would never in my lifetime know how to hack into somebody else 's account I'm not that educated enough on that but please any help from y'all would be greatly appreciated thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
XX/XX/2022, I was peacefully on my way home from dropping my XXXX  to XXXX 

I saw a cyclist pulled over on the side of the road by the XXXX XXXX XXXXXXXX XXXX ( who then later pulls me over citing me the later expressed tickets ), her face was red and she was crying. I inquired if she was alright and she shook her head yes. So then I proceeded about my day. 

I then ended up at a red light, literally a block from where the cyclist had been pulled over. The same officer that pulled the above cyclist over was now on my left side facing oncoming traffic, in the oncoming traffic lane. 

I proceeded through the greenlight, he then followed me and turned on his lights and pulled me over in front of XXXX XXXX XXXXXXXX, I then took my seatbelt off to emotionally prepare myself for the encounter. 

He walked up to the vehicle I was operating and asked for my drivers license, I then inquired his reasoning for pulling me over, he disregarded my inquiry and proceeded to ask for my drivers license again, and I offered my drivers license number because I was afraid to move any further because he was very hostile and aggressive. 

I shared with him that I was borrowing the vehicle I was operating from a relative to earn some funds and that it was a rental and I did not have the additional information he was requesting from me on me at the moment. 

He threatened to arrest me and take me to jail for not providing him with the addition information I could not share at that moment. 

He then proceeded to stick his hand inside of the window and forcefully open the door, so I gently pulled the door back closed and locked the doors, fearing he'd XXXX XXXX XXXX  perform further harmful acts. 

I was successfully able to obtain my drivers license and hand it over to him, he snatches it away and walks off to his vehicle and comes back with a list of things he had assigned to my name. 

DATE FOR VIOLATIONS : XX/XX/2022 VIOLATIONS : XXXX ) SEATBELT REGULATION XXXX TIME : XXXX XXXX 
AMOUNT : {$120.00} XXXX ) FAILURE TO DISPLAY INSURANCE XXXX TIME : XXXX XXXX 
AMOUNT : {$72.00} XXXX ) FAILURE TO EXIBIT XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$120.00} XXXX ) OPER. XXXX. VEHICLE XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$1200.00} XXXX ) FAILURE TO OBEY XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$120.00} LOCATION OF VIOLATIONS : XXXX XXXX XXXX XXXX XXXX XXXX I had not been able to pay the collections ( XXXX XXXX XXXX/HARRIS AND HARRIS ) and am still unable to pay the alleged debt purchased by collections agency because of the lack of income I do not have, I can not pay a debt with debt ( federal reserve notes ), the collection agency purchased the debt already leaving me free of moral obligation to pay it. I never signed a contract with the aforementioned third party debt collectors either to handle any of my affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-04 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: FL

Complaint narrative:
XXXX XXXX is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
NCB Management Services for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX This debt is currently being reported as open. I have disputed this debt numerous times. I requested signed or E-signed paperwork to verify that it is my debt. 
I have NEVER received any verification from NCB Management. I have requested information about the results of their investigation, but I have NEVER received any written notification. 
NCB Management has reported this account as open since it has shown up on my credit report. If an account is shown as Open, that means that they are still extending credit, and I do not believe NCB Management is a credit-extending operation.

This is a violation of FDCPA U.S.C 1692e ( 2 ) ( A ) by falsely characterizing the account status as " Open '' to all credit reporting Agencies ( XXXX, XXXX, XXXX ) a consumer reporting agency as defined by 15 U.S.C 1681a ( F ) This Open status affects my credit score because it tricks the scoring model into thinking it is a NEW default, instead of a continuation of an old debt that has been charged off. Which is unlawfully reducing my credit score and causing harm to me and my family because I am unable to receive any extension of credit. Please investigate. I am XXXX on a limited source of income. The credit was opened months after I had the XXXX in XX/XX/XXXX. I was receiving XXXX payments from my employer at that time and did not need additional funding. 
Also, I spoke with a Lawyer who stated, that most credit-extending companies do not charge off a debt until at least 2 years of attempting to collect the debt. So that would mean this debt would have been opened sometime in XXXX, not XXXX as being stated on my credit report. So it would be beyond the XXXX limit and that may be why I never received any verification because of the original age of the debt. Even a collection agency must abide by the original start of the debt. 
He said if it was taken out in XXXX, they must have sold the debt within the year of opening it. 
Thank you for your consideration in this matter, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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 2024-02-04 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: WI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 non-monetary relief
Consumer complaint received 2024-02-04 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: WI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I was scammed by a fraudulent USPS link for {$2500.00} on XX/XX/2023, I immediately notified the Robinhood brokerage team and they have had my account restricted for almost 2 months with no explanation to why they havent fixed anything so now Im reporting to the CFPB for help.

Company response to consumer: Closed with explanation