vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one fraudulently closed my account. I was waiting for capital 1 to take the money out my account they never took the funds I spoke with XXXX the supervisor prior before speaking to XXXX I myself another rep named XXXX XXXX verified with my bank that capital one never attempted to take a payment XXXX was the last person I spoke to and like the others he did verifies the same thing. I was told by XXXX that he was putting in a complaint to fix the problem. The next day I called my account was closed for none payment. Also they took XXXX plus points off my credit and flagged the account. On XXXX  for capital one it say never a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
XX/XX/2023 Subject : Request to Remove Paid Closed Account Payment History Dear Exeter Finance Customer Service, I hope this letter finds you well. I am writing to request the removal of payment history associated with my closed account. Although I have paid off all outstanding balances and closed the account, the payment history continues to be reflected in my credit report and financial records. 

I understand that maintaining accurate records is essential for financial institutions like Exeter Finance. However, as the account has been fully paid and closed, I believe it is appropriate to update the records and remove the payment history associated with it. Removing the paid account 's payment history will enable me to manage my financial profile more effectively and accurately reflect my current creditworthiness. 

I kindly request your assistance in initiating the necessary steps to remove the payment history associated with my closed account from all relevant credit bureaus and internal records. I understand that this process may involve contacting the credit bureaus directly to request the removal of the payment history entry. 

If any additional information or documentation is required to complete this request, please let me know, and I will promptly provide it. I would appreciate a written confirmation once the payment history has been successfully removed from my closed account and any necessary actions have been taken with the credit bureaus. 

Thank you for your attention to this matter. I value my relationship with Exeter Finance and trust that my request will be handled with professionalism and efficiency. If you have any questions or require further clarification, please carryout this matter within 3 business days. 

I look forward to a favorable resolution to my request. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Business Financing Corporation
State: NC

Complaint narrative:
CFG is a ruthless company and I would suggest not dealing with this company. I did borrow from them for my business, however my company was no longer making any money as I no longer had my short term rental. I was making the daily payments but realized could no longer continue as I was barely making {$2000.00} per month to pay {$99.00} per day. So in order to ensure that they get paid I researched and decided to go with a resolution company to show good faith. They claim that the resolution company has not contacted them, now I have a XXXX year grandchild who stays with a XXXX where where the dates are expired and asking the company to illegally hold my revenue. They used a software to created a false document -See attached form. It is time for the FTC and CPFB to get involve and stop these companies. Something needs to happen to prevent these people from XXXX  individuals when individuals have signed up with a company to try to fulfill the obligation even though they do not have the revenue that was coming when they first started. They are practicing illegal methods. Loan amount is {$5500.00} yet they are demanding over {$15000.00} with no detail of the charges to dispute or validate. In order not to lose my Statement of work which they are causing, I had to agree to a payment amount which has been paid and they stated my funds would be released. I am still waiting. Now this is what happened to me -DECLINE IN RECEIVABLES / ABUSE BY FUNDERS If business receivables have declined, the funder must reconcile the repayments to correspond to actual receivables rather than estimated receivables. Why have not been released as per agreement. 
Company did not to receive any legal paperwork thus the company I contract with was illegally sent a false document. Not a court ordered document with expired dates, but a document created in a software program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
The are giving false advertising cash app they say do direct deposit and get check XXXX days early and when you don't see it XXXX days early they send messages saying it could take up to XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In obtaining a copy of my consumer report from Experian and thoroughly going over it, ive noticed several inaccuracies. As i am well aware of my rights under the FCRA, i am demanding a thorough investigation into these inaccuracies and an immediate deletion of these accounts that can not be properly verified. XXXX XXXX XXXX, XXXX XXXX, 2009, defines XXXX as, XXXX ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. What this means is that Experian must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). If Experian does not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
* In XX/XX/XXXX, when I logged on to the dmv website to check my driving license, I noticed that someone had changed my address and applied for a new driver 's license. On XX/XX/XXXX, I received an email message to see that my Chase balance had changed, and I realized that someone had used my ID and my Social Security number to withdraw money from my bank account, totaling {$900.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX. I immediately called Chase Bank and frozen and closed the bank account. The bank then told me they would refund the check to me, but the address was sent to the address the scammer had changed ( the scammer changed his address by signing up for online banking ), and after receiving the check, the scammer withdrew cash on XX/XX/XXXX at Chase Bank on XXXX XXXXXXXX XXXX XXXX  XXXX in XXXX. 

* When I continued to talk to Chase, the response from Chase was even more discouraging. Chase says my case is closed and has returned the {$1800.00} stolen from me. And the bank confirmed that I made it myself, if there are other doubts can only be the police, let the police investigation. 

* Address used by scammers : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I paid off an old account which was XXXX XXXX  card in XXXX. I submitted a paid in full letter 4 times to Experian and have talked to them regarding this 5 times. Each time Thier investigation says valid no change. So I call them up again and tell them it has been paid and the credit report needs to reflect paid And it still doesn't. It says collection and reports as collection I'm XXXX of this yr. How many times do I have to keep doing this. Since XXXX XXXX doesn't own the account anymore they can't do anything about it. It was also supposed to be removed from 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 explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dyck-O'Neal, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the re-aging of a collection account on my credit report ( XXXXXXXX XXXX XXXX XXXX. The account in question is with Dyck O'Neal, and the account number is XXXX It has come to my attention that this account has been re-aged multiple times, which is illegal under the Fair Credit Reporting Act ( FCRA ), also the debt is more than 7 years old. The account was opened on XX/XX/XXXX and the date of last activity is XX/XX/XXXX. 
Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately.

In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.

Please find attached a copy of my credit report with the re-aged account highlighted for your reference. I also request that you provide me with written confirmation once this account has been removed from my credit report. Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. 
In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
This. Milestone credit card is not mine. Never open this account and thay want me to pay it. And the destiny credit card is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-06 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:
There is a XXXX account showing up on my personal consumer report that does not belong to me.

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 2023-07-06 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: MI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023 I purchased a Mazda XXXX from the local dealer. I chose a 3 year financing plan. On XX/XX/XXXX I received the one and only communication from Mazda Financial Services, a letter sent by USPS mail giving me information about how to set up an online account etc. I set up my account on www.mazdafinancialservices.com the same day and I set up all my bank account details. I set up a recurring plan with first payment to be processed on XX/XX/XXXX and then on the XXXX of each month thereafter ( eight days before due date, to allow for ample time to be processed by my financial institution ). Although I did not opt for paperless statements, I have not received any bill, invoice or notification from Mazda  ever since. I have not received any email with information about bills or outstanding balance either. The only thing I received was an email two days before the bank transferred was due to inform me that an electronic payment will be processed on the certain date. The payments have been processed regularly at the specified date. An example of such email is detailed below : Thank you for our payment. Your recurring payment of {$880.00}, on XX/XX/2023, XXXX, is being processed. 
That was all. 
Yesterday, I logged in for the first time since XXXX on the Mazda website, to increase my monthly payment, so that I can pay the loan faster. Then I realized that I had been charged late payments since XXXX. Apparently, my first payment was due XX/XX/XXXX ( that is six days after the first communication from Mazda was received ; mind you that letter on the XXXX was not a bill, but rather information on how to set up an online account ). The payment that was due on XX/XX/XXXX never showed up on the online account at the time I created it on XX/XX/XXXX. At that time my account showed that no payment was due until XX/XX/XXXX. 
Mazda has been charging me {$88.00} in late fees since XXXX, but never once have they sent me an email notification or a letter informing me that there is unpaid balance or that my account is late. And why would they? It was good business to keep charging me an extra {$88.00} dollars every month. 
This is fraud! I was never sent a single bill by this company! Ever! I was never informed by email or mail that a payment was past due date. They just kept charging me late fees, hoping that I will not notice. This has to be illegal. Again, I have never opted out of paper statements and despite this I have never received any sort of statement, bill or notification.

Please change the laws to punish this kind of abuse. Companies need to send notifications of past due payments by mail ( there was no email either ). The consumers need to be somehow notified that their account is past due and that they are being charged very high late fees. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: MD

Complaint narrative:
Received multiple communications from RSI Enterprises IncXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX They keep sending threatening letters to my XXXX XXXX  son who is clearly a XXXX. We do not recognize the debt they are trying to collect ( {$160.00} ) and we have disputed it and told them that they are trying to collect from a minor. They continue to send harassing letters nonetheless - the last one of which is dated XX/XX/2023. 

Please get them to stop harassing my son.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-06 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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