vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX and XXXX failed to investigate errors on my credit report. Capital One Bank has reported a failed late payments on my credit report. Capital has refused to update my payment history correctly as paid in full I have sent in many documents showing how Capital One Bank has been reporting incomplete information on XXXX in the payment history they failed to report on time payments. XXXX and XXXX has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach Capital and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX passed a law to protect me from being late XXXX XXXX XXXX ( a ) a creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose And also they recieve a XXXX down payment from me and according to TRUTH AND LENDING THAT IS ILLEGAL XXXX XXXX XXXX XXXX FINANCE CHARGE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Capital One Financial Corporation for what I believe to be unfair and deceptive business practices. I have been a loyal Capital One customer since XXXX and recently experienced a series of events that I feel constitute malicious practices and fraud. 

Timeline of Events 1. XX/XX/XXXX and XX/XX/XXXX I applied for a Capital One business credit card. 
2. XX/XX/XXXX My application was approved after I provided extensive personal and business information. 
3.XX/XX/XXXXXXXX Within days of approval, my account was unexpectedly restricted. 
4. XX/XX/XXXX through XX/XX/XXXX : I went through a lengthy process to provide additional information to have my account unrestricted. 
5. XX/XX/XXXX : Despite my efforts, Capital One decided to close my account, including my long-standing personal accounts dating back to XXXX. 

I believe Capital One has engaged in deceptive practices for the following reasons : XXXX. They approved my business credit card application after thorough vetting, only to restrict it almost immediately without clear cause.

2. They requested additional personal information, which I provided in good faith, yet still closed my accounts.

3. They have not provided a satisfactory explanation for their actions, leaving me to believe I have been unfairly targeted.

4. The closure of my long-standing personal accounts along with the new business account seems punitive and unjustified.

As a result of these actions, I have suffered inconvenience, stress, and potential damage to my credit standing. I feel that I have become a victim of malicious practices by a financial institution I trusted. 

I request that your office investigate this matter and take appropriate action to ensure that Capital One adheres to fair business practices and treats its customers with respect and transparency. 

Thank you for your attention to this matter. I look forward to your response and am willing to provide any additional information you may require. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX and Equifax failed to investigate errors on my credit report. XXXX XXXX Bank has reported a failed late payments on my credit report. XXXX has refused to update my payment history correctly as paid in full I have sent in many documents showing how XXXX XXXX XXXX has been reporting incomplete information on Equifax in the payment history they failed to report on time payments. XXXX and Equifax has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach XXXX and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: DE

Complaint narrative:
Experian and XXXX failed to investigate errors on my credit report. XXXX XXXX XXXX  has reported a failed late payments on my credit report. XXXX has refused to update my payment history correctly as paid in full I have sent in many documents showing how XXXX XXXX XXXX  has been reporting incomplete information on XXXX in the payment history they failed to report on time payments. Experian and XXXX has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach XXXX and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.

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 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I went on a XXXX XXXX website to purchase Item from their clearance listing. I did the purchases through Paypal for protection and when I look for confirmation of the purchase from my email, the purchases look legit and to double check XXXX hours later on the transaction list on my Paypal account, I saw there were transactions done with a different entity. I immediately file a request for verification of vendor and Paypal doesn't allow you to add comments of letting them know of the reasons I needed to have them do. They made me wait two before they sent a response that everything checked out and if I did not receive the merchandise I would have to make another claim. I haven't received any merchandise and they block my account. so I have no way of making any request of claims to this issue. They exist to help people from these types of fraud and it seems like they haven't protect me and help the criminals conduct the fraud. I want my money back because they authorized the transaction because the vendors have to be verified before the transaction can be conducted. I was making a transaction with XXXX XXXX XXXX XXXX  and if the name of the company does not match it is Paypal responsibility to make sure the names match. The vendor had a XXXX name and if I can notice that looking at Paypal transactional records, I'm not understand how PayPal didn't spot the obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My personal information on my credit report was incorrect

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 2024-08-04 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-08-04 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: TX

Complaint narrative:
This account has been reporting on my account since XXXX of XXXX after multiple attempts to fix with equifax now they have doubled it and now show it twice on my account per laws this account is no longer to show on my credit report as of XXXX of XXXX XXXX and XXXX have followed the rules and deleted the account. 


Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and redundant reporting of a XXXX XXXX account ( account number XXXX ) on my credit report. This account is being reported twice : once as a closed credit card account and again as a collection account from XXXX, with a completely different amount. 
The presence of these two entries is redundant and misleading, and it is adversely affecting my credit score. I request that both entries be investigated and removed from my credit report immediately. In addition, I do not owe any funds to a XXXX XXXX XXXX and have received no correspondence with proof of a debt from them. This Collection should be removed immediately as should the XXXX account. It is illegal for the same debt to report twice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and redundant reporting of a XXXX XXXX account ( account number XXXX ) on my credit report. This account is being reported twice : once as a closed credit card account and again as a collection account from XXXX, with a completely different amount. 
The presence of these two entries is redundant and misleading, and it is adversely affecting my credit score. I request that both entries be investigated and removed from my credit report immediately. In addition, I do not owe any funds to a XXXX XXXX XXXX and have received no correspondence with proof of a debt from them. This Collection should be removed immediately as should the XXXX account. It is illegal for the same debt to report twice on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-04 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: FL

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-04 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: OK

Complaint narrative:
This account was charge off on the following date Nobember XXXXSince then, the account has repeatedly been updated as charge- off every month.This is an update on the payment history.This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 2024-08-04 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX Have 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, 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 report containing any of the following items of information, any other adverse item of information, other than records of convictions or 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 2024-08-04 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: TX

Complaint narrative:
I went here to get a vehicle. After XXXX days of sitting around the dealership ignored and looked over we made a deal for a vehicle. The vehicle had hail damage and it was never disclosed on the website. The sales rep did not disclose this to me either, despite having communication prior to my arrival. The vehicle also had other broken components so they kept the car to fix it. XXXX days later I went to pick up the vehicle. As soon as I get on the highway the check engine light and tire pressure lights come on. I returned the vehicle, within minutes. A few weeks later I get notice from the lender saying I needed to provide insurance on the vehicle. When I call the company they have no record of a return and claim that I am still on the line for the vehicle payment. I called XXXX everyday, XXXX to 4 times a day to speak with someone in finance. I was constantly put on hold or told that someone in finance would call me back. I never spoke to anyone. After calling for a week, I received an email that they notified the bank of the return. At this point the account is listed on my credit report. This company is XXXX  and negligent in their customer service. It is hard to speak to anyone or get any resolution for issues.

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