vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: GA

Complaint narrative:
I am writing to seek your assistance regarding a concerning matter involving Capital One 's apparent disregard for consumer protection regulations and my rights as outlined under U.S Codes : 15 U.S. Code 6801 and 15 U.S. Code 6802. These codes address the Privacy of Consumer Financial Information and the Protection of Nonpublic Personal Information. 

I, XXXX XXXX, exercised my legal rights by submitting two simple requests to Capital One : one for validation and another to exercise my right to opt-out of their use of my personal information. Regrettably, I have received no response from Capital One acknowledging these requests. This lack of acknowledgment and compliance makes me question their respect for both the regulator 's authority and federal laws designed to safeguard consumers. 

Due to their lack of response and apparent non-compliance, I am left with no choice but to consider legal action to protect my rights. My credit and personal information are important to me, and I am willing to take necessary steps to ensure their security and proper handling. 

I kindly request your intervention in this matter. Specifically, I would appreciate your assistance in prompting Capital One to officially remove my personal information from their system and to provide a timely response to your esteemed bureau indicating their compliance with this request. 

Your prompt attention and involvement in this situation would be greatly appreciated. Thank you for your dedication to consumer protection, and I look forward to your support in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
My husband and I received a letter from I.Q Data international stating that there is an unpaid balance from our old apartment complex. 

I am not sure if this is a scam? This account has been paid since XX/XX/2023 and there are records of it. So to receive this letter is alarming. 

If this is a true letter I am requesting this company be penalized for not conducting a thorough review before reaching out to us and causing undo stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 15 USC 1681. XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
These inaccuracies are keeping me from obtaining new credit

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 2023-08-24 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has occurred due to a misunderstanding or an unfortunate error, as I have always strived to adhere to PayPal 's policies and guidelines since the inception of my account. 

I want to emphasize that I have not engaged in any activities that would violate PayPal 's terms of use or policies. The services provided by PayPal have been an integral part of my financial transactions, and I have always maintained utmost transparency in my dealings. This unexpected limitation has left me puzzled and distressed, as it goes against my track record of responsible and ethical account usage. 

I kindly request PayPal to initiate a comprehensive review of my case. I am confident that a closer examination will confirm my consistent compliance with PayPal 's regulations. It is my sincere hope that this appeal will lead to the restoration of my account 's full functionality. 

I understand the necessity of maintaining a secure and trustworthy platform for all users. I am committed to working closely with PayPal to address any concerns or issues that may have led to this regrettable situation. I genuinely value the convenience and security that PayPal offers, and I am eager to continue benefiting from its services. 

In conclusion, I respectfully ask for the opportunity to re-establish the trust that my account has previously maintained. I believe in PayPal 's commitment to fairness and justice, and I am confident that a re-evaluation of my case will demonstrate my dedication to upholding PayPal 's values. 

Thank you for your time and consideration. I eagerly await your response and the possibility of having my PayPal account reinstated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
Prestige Financial Services is reporting a repossession in my credit report that was redeemed the same day and happened over 7 years ago. The company is stating they are unable to remove this negative information my credit report. The company is also reporting there was a 60 day late payment in XX/XX/2017 and the company has since verified the payment was 52 days late and refuse to update the credit report. 

The company refuse to correct and update my credit report despite numerous attempts to get this issue resolved. I have included a copy of the email from Prestige Financial Services stating the payment was 52 days late in XX/XX/2017. This is unfortunately happened due to a layoff and the company socks it to me again with reporting inaccurate information and allowed to get away with it. Prestige Financial Services should do the right thing but yet here we are again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TX

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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. Receivables XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet XXXX is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.

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 2023-08-24 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: SC

Complaint narrative:
After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. Receivables XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet XXXX is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.

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 2023-08-24 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: IL

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 2023-08-24 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I lost my job as a nurse due to downsizing. I contacted my bank USAA which I had a personal loan through. I was guaranteed that if I make my late payment on XX/XX/XXXX or before I will not be reported for missed payment. I made my payment over {$1000.00} on XX/XX/XXXX and they still reported me. Nothing but greedy liars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TX

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I received a letter from chase bank on XX/XX/XXXX, which forcibly closed my checking account and savings account, as well as all my credit cards. I called the customer service to ask the reason, but they did not give me any explanation. Just say that it is written in the contract that the bank can close your account at any time. For me, I have not done any illegal operations. I have accumulated credit cards for many years. They closed them as soon as they said they closed them. I also paid on time. I know what caused it Closed my account. I also have a company in chase bank. I write a check from the company to me personally. This is the company 's salary. I don't know why it closed me, and I didn't say anything in advance, so I want to complain to chase bank. The credit accumulated over the years will be destroyed, please help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
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 15 USC 1681. 

XXXX XXXX XXXX 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 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 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 explanation
Consumer complaint received 2023-08-24 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear XXXX I'm sending you this letter to let you know about some errors in my credit report. I'm afraid these mistakes are doing a lot of damage to my credit report. To help you understand, we've provided the details of the incorrect entries below : Inquiries : XXXX OF XXXX XXXX : An unauthorized inquiry on the credit report. Fix or delete inaccurate inquiry. 

XXXX XXXX  inquiry : Inaccurate inquiry on the credit report. Looking for a deletion correction. 

XXXX XXXX inquiry : Inaccurate Inquire on the credit report. Resolve it or delete this inquiry. 

XXXX OF XXXX XXXX : The report has a credit inquiry that do not authorize. Delete the inaccurate inquiry. 

XXXX XXXX XXXX inquiry : Inaccurate credit inquiry is problematic on the credit report. Delete the issue presented. XXXX XXXX inquiry : Inaccurate unauthorized inquiry on the credit report. I need this deleted ASAP. 

XXXX OF XXXX XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX  XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX OF XXXX XXXX inquiry : Writing to dispute the inquiry as I did not provide permission. Look at this closely and purge it from my report. 

Mission XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX XXXX  XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. Inaccurate credit inquiry on credit report. 
XXXX states I can get an investigation. Im asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 


XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

I have the right to object to and request that false information in my credit report be corrected in accordance with Sections 609 and 611 of the Fair Credit Reporting Act. I humbly ask that you inform me of any delays and provide a reasonable timeline for when I might anticipate a response if a resolution to this situation can not be achieved within the timeframe specified.

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 2023-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing regarding Westlake Portfolio attempted to collect a debt that was discharged in a bankruptcy. Westlake bought the auto loan for the XXXX XXXX XXXX from US Auto after the bankruptcy was filed and discharged. I reached out to my attorney who confirmed that although I stated I would keep the car, the debt was never affirmed by myself or US Auto. So basically while they have the right to get the car, they can not add accounts to my credit or attempt to collect on this debt. I disputed this with XXXX on XX/XX/XXXX and received a reply from XXXX on XX/XX/XXXX stating the debt is correct. I called Westlake on XX/XX/XXXX and ask that they remove this from my credit as this vehicle was discharged in a XXXX XXXX The rep told me that they just responded to transunion on XX/XX/XXXX, which they advised the debt is correct. I was not able to get any answers as to why, they refused my supervisor request.

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