vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via Capital One Auto Finance amd 3 credit reporting agencies ' Credit Dispute Centers. 
To remove an old account. The account has been closed for 10 YEARS. XXXX, XXXX, and XXXX refuse to remove a CAPITAL ONE AUTO FINANCE account. According to their websites, correspondence, ( XXXX XXXX XXXX consumerfinance.gov ) and Capital One Auto Finance 's letters, closed accounts stay on credit reports for 7 years. The account for Capital One Auto Finance has been closed for 10 years. 
I have also contacted CAPITAL ONE AUTO FINANCE directly. At XXXX regarding a letter I received. According to their letter : closed accounts stay on credit reports for 7 years. CAPITAL ONE AUTO FINANCE refuses to contact the credit bureaus to remove an old account. This is in violation of FCRA and their own policy. According o Capital One Auto Finance representative, they do not have a Credit Bureau Team although the letter I received is from their Credit Bureau Team. 

I have disputed the old account with all 4 entities. Capital One Auto Finance tells me to dispute it with the credit bureaus. The credit bureaus tell be to dispute it with Capital One Auto Finance. No one Is removing the old account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: Westlake Services, LLC
State: CA

Complaint narrative:
I am writing to complaint to NOWCOM/WESTLAKE FINANC about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil 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 explanation
Consumer complaint received 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B, I think, necessitates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: RI

Complaint narrative:
On or around XXXX XXXX  I received a notice from The CBE Group , Inc. claiming that I owed {$350.00} to their original creditor, XXXX. I responded that I did not recognize this alleged debt, and that it did not belong to me. I then requested a debt validation. CBE Group recently responded by " verifying '' the debt with XXXX, and included a report showing thousands of dollars in sales under an account that was created fraudulently in my name, using one of my prior mailing addresses. The XXXX user ID given in the report is " XXXX '' which does not belong to me. Apparently this account has been open since at least XXXX, selling things in my name fraudulently. I have reported the identity theft to XXXX 's fraud department, as well as filed an identity theft report with the FTC. FTC Report Number : XXXX. THIS IS NOT MY DEBT. I DO NOT OWN THIS ACCOUNT. PLEASE HELP ME CLEAR THIS FROM MY PERSONAL CREDIT REPORTS, AS IT IS SEVERELY NEGATIVELY IMPACTING MY OVERALL CREDIT WORTHINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
This complaint is in response to to a pervious response this is not a duplicate complaint this is in reference to ( CFPB XXXX ) I am willing to negotiation the store warranty, factory warranty, hardship, terms and conditions of your contract, And any other legal agreements from American credit acceptance only through the CFPB. If there may be a solution bring it to CFPB attention and we will as a party address the issue fairly. It is to my discretion that this matter be handled through or by CFPB for the financial protection of a customer. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am reporting US Bank and all its affiliates because of the fact that these people are literally telling me they denied my claim of identity theft because one or more of the documents I used to show my identity were supposedly some of the documents used to open the accounts.HELLO!!!! THATS WHAT IDENTITY THEFT IS!!!!!! ITS WHEN SOMEONE STEALS YOUR PERSONAL INFORMATION TO AQUIRE GOODS OR SERVICES!!!! Of course they used my SSN card.IT WAS STOLEN ALONG WITH MY DRIVERS LICENSE, CREDIT CARDS, DEBIT CARDS, PASSPORT, etc.WHICH ALL WERE IN MY WALLET WHICH WAS STOLEN FROM ME!!!!! I already detailed that to this company and they STILL act like it wasnt fraud!!! I HAVE MEVER HAD US BANK A DAY IN MY LIFE!!!! And after this whole ordeal, I never will! I just want these fraudulent accounts removed immediately before formal litigation commences against them. This isnt a joke anymore, You all havent provided the slightest bit of proof that these accounts are mineand you never will, because I never opened any of these.!! There is a reason I am getting all these fraudulent accounts removed.!!! Because after investigations its pretty clear and obvious its not me opening them.!! And this is no different!!!

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 2024-04-30 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account : XXXX XXXX XXXX Account # 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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and XXXX  XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-30 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: PR

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and XXXX  XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-30 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Dear CFPB, I am writing to formally address the significant impact that XXXX 's ( credit acceptance corporation ) actions have had on my credit and personal life due to the reporting of inaccurate and unfair information to the three major Credit Reporting Agencies ( CRAs ), as well as a breach of contract. Despite my repeated attempts to resolve this matter privately, including sending a pre-arbitration demand letter, XXXX has failed to address the issues outlined in the demand letter within the required 30-day timeframe. 

As a result of XXXX  's actions, I have experienced detrimental effects on my credit and personal well-being. In light of these circumstances, I am filing this complaint to bring attention to XXXX 's unfair practices. I am hopeful that by involving the CFPB, we can find a resolution without the need for further legal action. 

I have also attached a draft complaint, summons, and cover sheet for a potential federal court case or arbitration proceedings that I intend to pursue if the issues raised in this CFPB complaint are not adequately addressed by XXXX. 

I appreciate your prompt attention to this matter and look forward to a timely and amicable resolution.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit file and saw some items that are incorrect. I tried reaching out to the bureaus, for these items be corrected but it is now taking some time. I need some results, as my life is now being affected negatively due to these items. These items are incorrectly reported, thus damaging my credit profile. Because of these, I am unable to find a job, unable to find a house. 

I need your help, for my rights to be considered. Please help get these items corrected and updated on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
I've consistently made timely payments on this account, avoiding any overdue charges. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Timely payments on this account have always been my priority, ensuring they are never overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've made it a point to pay this account on time, ensuring it never becomes overdue. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-30 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Referring to Federal and Texas XXXX XXXX, GM FINANCIAL, I'm writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, particularly Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that GM FINANCIAL has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, Texas state law, notably Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code lays out clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for GM FINANCIAL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and showing an unequivocal disregard for federal and state laws. 

I demand, unequivocally, that GM FINANCIAL immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I stress that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that GM FINANCIAL will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NJ

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items i am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-30 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: NJ

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items i am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: CO

Complaint narrative:
Made payment arrangement on XX/XX/24 with employee XXXX to pay the regular payment on XX/XX/24, payment would be 9 days late due to financial hardship. Employee tried to solicit me to refinance the loan or post date a payment so that it would show in their records that the payment was still made in XXXX. I declined. Arrangement was agreed upon and noted in the account. 2 days later on a Saturday XXXX called, I declined call, she immediately called back, I spoke with her and again she was trying to solicit me to post date a payment otherwise I would risk not ever being able to obtain another loan with them. I declined for fear that payment would process early causing overdraft fees to me. XX/XX/24 XXXX called again trying to get me to post date payment again for XXXX so that it would show in records that I paid in XXXX. I declined once again. 
XX/XX/24 another call from manager XXXX this time, he tells me that post dating the payment doesn't benefit the customer it benefits the office so that their collection numbers look good that the payment would show as being paid in XXXX instead of on XX/XX/XXXX. I declined once again and voiced my displeasure in being continously harassed after a payment arrangement had already been made and I was within the 10 day grace period of due date. 
XX/XX/24 twenty minutes after XXXX called. XXXX called stating she was XXXX 's boss and we discussed everything that has happened, again o voiced my displeasure with being harassed and feelings of being bullied into making a post dated payment to make their office look good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The department of education do not have consent to report on my credit file I would like them to remove or delete immediately. All the accounts have this as identification number on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been past 7 years it has been close to 15 years since I have this on my report I would like it removed. Show me a promissory note maturity date principal interest and the insurer 's signature if not deleted off my credit report. still remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The department of education do not have consent to report on my credit file I would like them to remove or delete immediately. All the accounts have this as identification number on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been past 7 years it has been close to 15 years since I have this on my report I would like it removed. Show me a promissory note maturity date principal interest and the insurer 's signature if not deleted off my credit report. still remove.

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