vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted.

Capital one is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave CAPITAL ONE any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
I have asked them to stop at least 3 times but undoubtedly more. I have recordings of everything. They sent me another communication on XXXX XXXX 

I have attached a photo of the latest letter and recording of my phone call. 

I am a witness to a massive fraud, and this is another deliberate attempt by them to harass and intimidate me. 

contact XXXX and cromwell with communication. do NOT contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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 do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.

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 2023-12-01 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: TX

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-11-30 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Date Opened : XX/XX/2023 Balance : {$230.00} High Credit : {$260.00} Credit Limit : {$450.00} Payment Status : 30 days past due two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

Victoria secret is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave VICTORIA SECRET any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. VICTORIA SECRET has caused stress and XXXX due to the abusive and unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/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 2023-12-01 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: MO

Complaint narrative:
My account is still being reported as closed and no payment history has of XXXX. But its been getting paid and hasnt been 30days past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have asked them to stop at least 3 times but undoubtedly more. I have recordings of everything. They sent me another communication on XXXX XXXX 

I have attached a photo of the latest letter and recording of my phone call. 

I am a witness to a massive fraud, and this is another deliberate attempt by them to harass and intimidate me. 

contact XXXX and XXXX  with communication. do NOT contact me.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I RECEIVED MY XXXX STATEMENT FROM CAPITAL ONE ON MY SAVOR CARD, IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH CAPITAL ONE REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A ZERO BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH XXXX AND XXXX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. XXXXDROPPED MY SCORE XXXX AND XXXX DROPPED MY SCORE BY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I asked them to lower the rate and lower what I owed on the card but they said it cant change and Im falling behind

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: CA

Complaint narrative:
Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than XXXX payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

XXXX XXXX is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and XXXX due to the abusive and unfair practices.

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 2023-12-01 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: CA

Complaint narrative:
Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

XXXX XXXXXXXX is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and XXXX due to the abusive and unfair practices.

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 2023-11-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my chase banking app, It sent me an automatic credit report and told me that, '' Opening a new account ay lower your credit at first, but it can help build your credit overtime ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft, and my right to receive all documentations requested, the method of verification use and the reason why you continue to remove several variation of my name that I have never use. I have provided all information requested from me such as identification, identity theft report and SSN that was provided to you by certified mail, and you have ignored my request by been the only reporting agency validating this fraudulent accounts after providing all documentation pertaining to this matter. This is my fourth letter and you failed to response to my request. I want you to provide me with all documentation from the furnisher of these accounts listed below. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX Please remove address on my report. I have never lived there XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please notify furnishers of the Information that under the Fair Credit Reporting Act ( FCRA ) that I request all documents relating to these accounts be provided if the victim asks. Please send me copies of all records relating to the account, including : XXXX. Account applications with my full name and not someone with a similar name made on paper, online, or by telephone. 
XXXX. Account statements or invoices XXXX. Records of payment or charge slips and when did account was open XXXX. Delivery addresses associated with the account XXXX. Records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts. 
Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft. 
Stop reporting information about the debt to credit reporting agencies and the reasons I have provided a copy of my drivers license, SSN to remove names such as XXXX XXXX XXXX and XXXX XXXX. I have never used these names or lived on addresses you continued to link with my name. I have no middle initial nor open accounts on that name. If you have such information please provide all documentation to me at the address above.

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 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TN

Complaint narrative:
I received a letter in XX/XX/XXXX from Zwicker and Associates regarding a debt for XXXX. The letter indicated I could set up arrangements online so I did for the amount I could afford. The online system only allowed 6 months of arrangements. Due to a death in the family on XX/XX/XXXX, I did not extend the arrangements passed XX/XX/XXXX because I had too much in my mind. When I realized this in XXXX, I called and spoke to a representative of Zwicker who advised legal action had been filed because my payments had not been enough even though I never received anything from Zwicker advising this. The agent offered arrangements and a settlement that I could not afford. I studied all my finances and determined I could not afford what they were asking but I did set up a new arrangement on line that allowed again 6 months of payments. There was not a month of lapse in the XXXX arrangements, however, they are still pursuing legal action against me. They have never advised the minimum they need to avoid suing. I am attempting to pay the debt and they are happily taking the funds from my account. How can they allow arrangements to be made online for whatever amount you enter but still sue? Also, they have blocked me from accessing my account online to change the payment or extend it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
XXXX was paid in full on XX/XX/2023. Company has been non-responsive in releasing XXXX on vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: WA

Complaint narrative:
Experian finished their investigation in to my Identity theft and XXXX students that i did NOT take out. Experian 's conclusion is " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' No process or documentation in to the investigation was provided. 

I did NOT take any student loan out with XXXX or XXXX XXXX XXXX XXXX option is legal. No recourse to appeal. I am guilty until proven innocent. 

I will not pay these loans back.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Examine the attached documents ; I urge the bureau to initiate an inquiry into these accounts. Despite my timely payments, they erroneously report me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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 2023-12-01 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

Company response to consumer: Closed with non-monetary relief