vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX and XXXX has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting XXXX XXXX accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints onXXXX for Equifax ID # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX the agencys has reach out to XXXX XXXXl, XXXX XXXX  XXXX XXXX and XXXX XXXX which is XXXX out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to Equifax, XXXX and XXXX. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681. 

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent letters out to the credit agencies on XXXX  stating that I disagreed with the investigation that was done in regards to my credit report. I requested that they provide the method of verification, including the individual with whom they verified the account with ( names and business addresses ) so that I may follow up with them. They have not responded to me within the 30 day window and are now in violation of the The Fair Credit Reporting Act. ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent letters out to the credit agencies on XXXX  stating that I disagreed with the investigation that was done in regards to my credit report. I requested that they provide the method of verification, including the individual with whom they verified the account with ( names and business addresses ) so that I may follow up with them. They have not responded to me within the 30 day window and are now in violation of the The Fair Credit Reporting Act. ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
TRS is attempting to collected a Debt that is not mine, I have attached my Identity Theft 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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from Capital One was completely different. We were taking advantage of as consumers. Capital one are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. Capital one had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXXXXXX had charged the account off without considering the violations that has taken place by the 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 non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the 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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Dollars amount placed on hold to long, amount not adding up, bankers harass merchants, bankers copy merchants, banks baby sit account, banks question money funds to account, bankers stinks, bankers are to young,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Hello- I applied for and was approved for a Capital One Venture XXXX Card in XX/XX/2022. I specifically chose this card because of one of the advertised benefits- it provided a XXXX XXXX membership that included access to restaurants. 

In XX/XX/2022, I received an email indicating that this benefit was changing and the XXXX XXXX  membership provided as a benefit of my card would no longer grant any restaurant benefits. 

As a result of this, I can no longer receive any benefits from the provided XXXX XXXX  membership when I fly out of my home airport, XXXX 

So, essentially, the benefits that were advertised are marketed as part of this card are no longer available - this after I paid a significant annual fee. Had I known this, I would never have signed up for the card. This has cost me a reduction in my credit score as a result of the hard inquiry and the {$390.00} annual fee. 

I feel like this is a bait and switch - advertised and marketed benefits will no longer be available. There was a reduction in benefits but no corresponding reduction in costs. I called and spoke with a Capital One representative and her supervisor asking for a statement credit to compensate me for the reduction in benefits or a reduction in the annual fee and was denied this request. Both representatives were very professional and understanding of the situation, but unfortunately they were not authorized to address the issue. 

I would like a statement credit to offset this reduction in benefits. An equivalent XXXX XXXX membership that provides the benefits that were advertised and that i paid for through my annual fee and the revenue generated by my card use costs {$460.00} - XXXX XXXX XXXX 

I would like some compensation from Capital One. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
i, XXXX XXXX am a victim of identity theft. Carter young is attempting to collect a debt that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
hello I was due to begin paying a loan for the total amount of {$2000.00}, with the first statement being billed on XX/XX/22 for {$170.00}, a private loan through XXXX XXXX and ECSI. The email in which I was receiving notifications on was hacked at the time and I did not have access to the notifications being received as well as the mails being sent to the wrong address. Given the unprecedented pandemic situation related to student loans, and unclear communications constantly changing, I was under the impression after not receiving clear communication that all of my loans were under the federal deferment related to XXXX. These loans were subsequently late by 2 months due to the miscommunication rather than my inability to pay the loan in full, one on XXXXXX/XX/22 and one on XX/XX/22, however had three alerts on my credit report negatively affecting my credit score, two being after the date the loan was paid in full and two late payments on my credit report. The loan was paid in full on XX/XX/22, however negatively affected my credit score in the medium term and also causing me to get denied for a credit card in which I was applying for through my place of employment ( XXXX XXXX XXXX  denied for on XX/XX/22 ). 

I believe at the very least I should have one late payment on my credit score, not two, given the loan was paid in full on XX/XX/22 and I got docked for XX/XX/22 and XX/XX/22 so that is just an error. However, I believe given the unprecedented nature of the communication, my clear ability to pay the balance promptly when properly notified, and the error of late payments justifies the fact to discredit the negative affects of the 2 late payments on my credit score as well as a denial of application of credit. 

I hope these comments are taken into consideration and the righteous improvements due to the error of the debt collection agency and or/XXXX XXXXXXXX in inaccurately reporting a credit past due is worthy of a correction and subsequent improvement to current credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
Company named Square, inc/Block , inc running a payment processing website for small business named XXXX few days ago, they deactivated my account and suspended XXXX of my transactions ( XXXX held and XXXX went through earlier ) those XXXX which had been held by them with the amount XXXX $ as they refuse to release them for the coming XXXX days under so called potential chargebacks or disputes. 

they offered a full refund option to my customers, but my customers refused to get refunded because their banks will charge them additional fees for the refunding transactions as the currency exchange rate by their banks changed to higher rates causing them to lose around XXXX XXXX of their money value if not more. 

I contacted XXXX XXXX support dozens of times through their live chat, calls and through other platforms for complaints like BBB as they replied with same answer " We keep them as a reserve for potential disputes or chargebacks ''. 

As for those XXXX transactions which went through, they indicated that they will charge any disputes or chargebacks to my bank account as I asked that the XXXX suspended transactions to be released to my bank account as if there was any disputes or chargebacks for the XXXX of them to be charged to my account but they totally ignored my request saying that the decision is final. 

Now, my customers are going to file complaints against me in person and my business and possible court lawsuits for not getting what they paid for " Package forwarding Service '' as I can't pay them out of my pocket which I also informed XXXX about with no action done by them to solve this issue.

Company response to consumer: Closed with explanation