vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Dispute and Cease and Desist Regarding Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with Capital One Auto Finance. The auto loan associated with this account has been fully paid off ; however, your company has incorrectly reported late payments to the credit bureaus. This inaccurate reporting has negatively impacted my credit profile, and I am requesting that this matter be rectified immediately. 

Please be advised that I have reviewed my payment history, and the late payments currently reflected on my credit report are incorrect. As such, I request that you provide a detailed breakdown of the payments and any associated dates that you believe were late. Additionally, if you are unable to validate this information, I ask that you promptly remove these inaccurate late payments from my credit report and notify all relevant credit bureaus of the correction.

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies. Failure to correct these inaccuracies promptly may result in legal action to protect my rights.

In light of this, and until this matter is resolved, I am also requesting that you cease all further collection efforts or communication related to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my right to demand that you cease any further contact unless it is to inform me that further collection efforts are being terminated or to provide information regarding specific legal remedies your company intends to pursue. 

Please take this matter seriously, as continued reporting of incorrect information constitutes a violation of federal law. I will not hesitate to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year> my XXXX account was suspended for no reason. I had only sent a few transactions to a single entity as I had no other form of payment. They supplied no debit card or any other access to funds. My transactions were suspended after a branch closed and therefore no money for me or my family for the weekend.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Proper credit card shows credit limit of {$500.00} with new balance of negative {$110.00}, XXXX available credit, and new got the entitle refunds with no cards and access to account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CrediautoUSA Financial Company LLC
State: NJ

Complaint narrative:
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX Credit card with

Company response to consumer: Untimely response
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Both Experian and XXXX continue to show that I have Accounts with Adverse Information and Serious Delinquency. Only XXXX shows the alleged account with Delinquency, which shows XXXX XXXX. I have talked to both agencies numerous times on the phone and have mailed information from XXXX that the account was never Delinquent, was paid on time and in full. The crazy part is, both credit reports from Experian and XXXX show XXXX XXXX as Exceptional Payment History, account closed and Paid On Time. I get both of them on the phone and they admit they show no delinquencies at all on my account and will look in to it and fix it. This has gone on for several years and nothing has been fixed. The result Is that some of my credit card companies show a reduced FICO score and most of them show the correct higher ( over XXXX ) scores. I am totally frustrated with both these companies and their total lack of concern and professionalism in this matter, especially since their own Credit Report proves what I am saying. I can't even dispute my case on Experian, because the account shows Exceptional, not even allowing me to click on to dispute. Neither of them can produce any evidence to confirm the negative statements they have in the reports. 


PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my XXXX and TransUnion is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX XXXX  credit accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received an email of credit karma on XX/XX/XXXX. The email received was saying that someone added you to their credit card. 

( ( XXXX XXXX, According to your XXXX credit report, someone recently added you as an authorized user on their account with XXXX. * ) ) I haven't authorized any one to add me to their credit card account. 

I called XXXX on XX/XX/XXXX, and they could not open my credit report. I had to send my documents, license and my social security. I have being calling them to obtain more information. Due that I send the documents in a certified letter, it arrived on XX/XX/XXXX. When I call experian the still can open my credit report and they say it can take up to XXXX to XXXX  days for them to open my case with my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Someone on a fan page on XXXX offered me " Meet and Greet '' passes for a show on XX/XX/year>. It was for a show that evening and would have been a real thrill for me. I was XXXX into a XXXX XXXX. I was foolish in providing {$65.00} of my funds through the XXXX and XXXX option through PayPal. This was very shrewd because PayPal will not refund any dispute per sending money that way. : -/ I provided my email address to this person but all communication was through XXXX XXXX XXXX I do not know why I didn't see a " red flag '' but I was suckered in because it really was too good to be true! 
Anyway since I was unable to get any assistance from PayPal I went to my bank and they have denied my claim because they stated that the transaction was authorized. This is not the case. I have no way of proving this was fraud, that is how good they were at ripping people off! As soon as they had the funds, they disappeared! When I tried to send a message to " XXXX XXXX '' who was the recipient on PayPal, I received a message saying I couldn't send a message to this person. The name on the transaction is " XXXX XXXX ''! This was fraud and I need my money back. What else can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXXXXXX XXXX XXXXXXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
I transferred a balance with Discover card services in XXXX XXXX with no interest for 18 months. I have been making all monthly payments on time. I have now received a statement with an interest charge although I paid the total balance due prior to the statement due date. When contacted Discover credit card services is informing me that the interest is applied on the expiration date of the promotional APR and it not necessarily aligned with the statement due date.

Please review the practice of having two different dates for expiration of promotional APR and statement closing date with Discover card services and bring those dates in alignment to avoid confusion to the customer and subsequently fees/interest charges. 

Further to this, Discover also needs to have an efficient hand off process for the customer. I called on XX/XX/year> and spoke with a XXXX, at Discover and asked to be transferred to a supervisor, I was transferred to another representative XXXX, who did not have any clue about what was going on with the account. XXXX then transferred me to a supervisor XXXX who also did not know what my request was. XXXX also mentioned that he will have to request corporate office to review the call recording and this could take up to a day. No proper notes were made on my account by the representative XXXX. Please note that I had to spend close to XXXX minutes on this call due to poor hand off and customer service. 

Please contact Discover to provide their response, please submit this complaint to any other relevant regulatory agencies. 

Please do not hesitate to contact me if I can be of any further assistance in this regard. 

Thank you. 

XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute and Cease and Desist Regarding Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with XXXX XXXX XXXX XXXX. The auto loan associated with this account has been fully paid off ; however, your company has incorrectly reported late payments to the credit bureaus. This inaccurate reporting has negatively impacted my credit profile, and I am requesting that this matter be rectified immediately. 

Please be advised that I have reviewed my payment history, and the late payments currently reflected on my credit report are incorrect. As such, I request that you provide a detailed breakdown of the payments and any associated dates that you believe were late. Additionally, if you are unable to validate this information, I ask that you promptly remove these inaccurate late payments from my credit report and notify all relevant credit bureaus of the correction. 

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies. Failure to correct these inaccuracies promptly may result in legal action to protect my rights. 

In light of this, and until this matter is resolved, I am also requesting that you cease all further collection efforts or communication related to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX ( c ), I am exercising my right to demand that you cease any further contact unless it is to inform me that further collection efforts are being terminated or to provide information regarding specific legal remedies your company intends to pursue. 

Please take this matter seriously, as continued reporting of incorrect information constitutes a violation of federal law. I will not hesitate to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i reviewed a copy of my credit report and i notice a few accounts that i didnt apply for can you please look into this matter please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I qualified for a Best Buy card XXXX weeks ago. I have made a few purchases WITHOUT the physical card which is allowed. During a transaction without the Best Buy Credit Card at Best Buy, there was an initial decline. The cashier ran my transaction again and there wasn't a problem. The transaction went through. 

About XXXX minutes later, a person from a phone number entitled " CITI, '' XXXX, called me and said that they represented Best Buy Credit Protection and were inquiring about a recent purchase. I returned the call and could hardly understand WHAT they were asking. Initially, I did provide my social security number as I thought this was a legitimate phone call regarding the recently declined purchase. HOWEVER, the longer I spoke with these " credit service '' representatives, the more I began to suspect that they were actually representing Best Buy and just fishing for information. I hope that I haven't done something in appropriate by reporting this. They also provided a toll free number, XXXX. Once I began to suspect their ruse, I hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-08-17 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: 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 XXXXXXXX I am requesting the immediate removal of several fraudulent accounts from my credit report under Section 605B of the FCRA, due to identity theft. These accounts are severely impacting my ability to access essential credit. I have provided the necessary documentation to support this claim and urge you to correct my credit file as quickly as possible. Your swift attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The Best Service Company is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I requested previously valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond. Attached are previous correspondence with my notice and their response which proves this company did not address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any 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 2024-08-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief