vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX of XXXX  I bought a vehicle from US Auto sales I also purchased an extended warranty at the time. 2 months later the transmission started to leak I took it to a transmission shop the company reached out to dowc the supposed warranty company XXXX informed me that US Auto sales never paid the last 18 months of extended warranty payments to them so I had no extended warranty I called us Auto sales immediately they said that they would fix this issue a week later I found out that they closed their doors. They sold the company so I called the new servicing company and they said that they could only collect payments they had no information on my contract I stated I could send a copy showing that I paid {$2000.00} for an extended warranty and they said that they unfortunately could not honor that. I have contacted multiple times stating to them that I wanted that money either refunded or applied towards the loan or I was no longer making payments since they breached contract and I would have to pay out of pocket for the transmission to be fixed so they repossess the car and after all of that reported to my credit the original amount of the loan without any of the payments that I had made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICES I HAD SOME INQUIRIES THAT I DONT RECOGNIZE ON MY REPORT. PLEASE REMOVE THEM FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN 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 explanation
Consumer complaint received 2024-06-26 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I had multiple transactions made fraudulently. I was traveling from Florida to New York and my apple pay was hacked while I was in the airport on XX/XX/XXXX. While I was in NY my apple pay was used in another state on XX/XX/XXXX in the amounts of XXXX, XXXX, XXXX and again on XX/XX/XXXX for XXXX. There was one other transaction that was also made and that one was approved as fraud, while none of these in the same bunch were. I spoke with multiple agents on multiple dates, the cases have been reopened several times only to be redenied for " lack of evidence ''. I sent them my flight reservation showing that I was in NY at the time of the fraudulent purchases and also from my actual transactions that were not fraud you can see that I was in NY at the time. I searched the businesses with the address information they gave me and a simple XXXX search shows that the businesses are not actual businesses, the address listed is a XXXX. I did not make these purchases and reported the fraud as soon as it was seen, one while it was still pending. The most recent case numbers are XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). I did not make these purchases as I was not even in the same state and I had my digital wallet with me in NY, it was hacked, XXXX had to reset the digital wallet number, all which has been explained many times to the creditor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company Name : Capital One Financial Corporation Product : Capital One Venture X Credit Card Issue : Account Restriction, Excessive Verification Requirements, Deceptive Approval Practices, and Lack of Transparency Complaint Narrative : I applied for and was approved for the Capital One Venture X credit card in XX/XX/year>. Within weeks of using the card, my account was restricted due to alleged fraud concerns. Capital One requested that I submit identification verification, which I promptly did. 

Despite providing the requested identification verification, Capital One has continued to place restrictions on my account for the past 90 days and has repeatedly asked for additional documentation, including multiple forms of income verification and proof of address. I have submitted all requested documentation multiple times, but each time, Capital One introduces new requirements, making it impossible for me to regain full access to my account. 

I have spoken with more than five Capital One representatives, and none of them can provide a reason as to why my account was flagged for fraud or restricted. They all claim to not have any visibility into the reasons behind the restrictions. Additionally, each representative has provided conflicting information about what documentation is required or would be accepted, further exacerbating the issue. 

Capital One has been deceptive in its approval requirements by not stating upfront the many forms and types of identity verification that would be required. They have used 'bait and switch ' tactics to approve me as a Cardholder, accept my {$750.00} annual service fee, but continue to restrict the access to my account. 

I provided multiple months ' worth of income statements, demonstrating income exceeding {$50000.00} in 60 days, yet Capital One insisted that I needed to provide more months ' income statements as well as a statement from each and every bank account that I have. 

Capital One also refused to accept my wireless XXXX XXXX XXXX account bill as address verification, despite my providing multiple bank statements, a utility bill, and driver 's license that all verified my address. 

Capital One had my social security number and copy of my driver 's license, but insisted they needed a physical copy of my social security card. This is an unreasonable and unnecessary requirement. Financial institutions have the technology to verify my social security number without the physical card. Even the Social Security Administration website advises against providing the physical card unnecessarily. 

This ongoing cycle of requests for additional documentation, deceptive practices, and lack of transparency is causing me significant inconvenience and financial hardship. I am unable to use my credit card as intended, and I am concerned that this may negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am wrote to XXXX to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to XXXX asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that XXXX consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my credit score and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am wrote to XXXX to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to XXXX asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that XXXX consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my credit score and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am wrote to XXXX to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to XXXX asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that XXXX consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my XXXX XXXX and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.

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 2024-06-26 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
We found the company was reporting personal sensitive information regarding bank accounts that should fall under the bank secrecy act. We contacted them trying to get more information and or details in attempts to resolve the issue. We were told that we had to fill out a form to request the consumer report. We did so on XXXX XXXX at XXXX ( see attachment ) and provided all necessary identification documents. We received no response as of today which qualifies as a violation of the fair credit reporting act and we are due compensation for this violation as well as remedy in form of this company removing my information from their database as I never gave consent nor can they provide validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-26 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: MS

Complaint narrative:
The Listed Account XXXX Account Number XXXX Appearing On My XXXX CREDIT REPORT Was Not Opened Or Initiated Ir Made By Me This Account Is The Result Of Identity Theft See The Attached Copy From The FTC IDENTITY CRIMINAL COMPLAINT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently I disputed an account with Experian in which the dispute ended on XX/XX/2024, and so I went back and reviewed the account to ensure that the disputed account was now completely accurate, and the problem disputed was resolved. As ofXX/XX/2024, I noticed the account came back verified as accurate but was not resolved. This is grounds for legal action considering that there was no reasonable investigation completed per FCRA 15 USC 1681s-2b ( 1 ) and the CRA failed to ensure maximum possible accuracy per 15 USC 1681e ( b ). I noticed that the account is charged off for a certain amount, but the amount written off does not match, I noticed the account reports 'No Data '' indicating its incompleteness, and I noticed the account does not report an account number. All this was taken into account after the account was initially disputed and done.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank 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
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXXXXXX XXXX XXXX XXXX  ever since XXXXXXXX XXXX XXXX XXXXXXXX reporting the {$87000.00} mortgage loan to Experian in XXXX XXXX XXXX and everything was ok and it continued to report until XX/XX/year>. As of XX/XX/year> my XXXXXXXX XXXX XXXX XXXX XXXX  is no longer reporting to experain credit reports. This has caused me major issues with my current escrow I am in and I need XXXX to report that mortgage loan back to my Experian credit report especially since it is an open and current account. I have also attached both XX/XX/XXXX credit report from Experian showing the mortgage loan and the Experian XX/XX/XXXX report that no longer is reporting

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 2024-06-26 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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