vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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 this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: PA

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. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX, XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following account : XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )

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 2023-11-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XXXX of XXXX. This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXXXXXX 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 XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
I am writing for the record that FIRSTSOURCE ADVANTAGE LLC is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including FIRSTSOURCE ADVANTAGE LLC, and has decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NC

Complaint narrative:
XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In the XXXX of the year, I opened up 2 new savings account and a checking with Capital one. By the beginning of XXXX I had yet to receive my banking card and was only able to deposit money with a linked account from another bank. XXXX XXXX, XXXX, I deposited {$48.00} into the checking, {$40.00} into one of the saving, and {$57.00} in to the last savings account. By XXXX XXXX, and XXXX I was notified of fraudulent activities. On the XXXX, my original deposited {$48.00} was withdrawn. On the XXXX and XXXX there were deposits via ATM for {$980.00} and {$430.00}. I reported these transactions to the fraudulent department. XXXX XXXX  I went and checked my account to see that the money from my locked accounts were being sent out via check and the number I received to call would not call back even after numerous voicemails left. Last few days of XXXX I was finally able to speak with a representative since I had yet to receive the money taken from my account. The representative told me that my accounts were closed and I wouldnt receive the money I had deposited into the accounts due to the bank not being able to determine which money was fraudulent. When I asked for more details they told me they couldnt give me any information on the accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a XXXX XXXX  XXXX ending in XXXX ) in XX/XX/XXXX with a 0 % for 24 month promotional offer. I made a purchase at that time. In XX/XX/XXXX, I called the XXXX number provided on my credit card to ask if the 0 % for 24 months was still in effect for a purchase I wanted to make. I was told by the customer service representative at XXXX credit card XXXX XXXX ) that it was still in effect and that I could still take advantage of that offer. After being told that I could still take advantage of the 0 % promotional rate, I asked if they could increase my credit limit, which they did, from $ XXXX {$7500.00}, on that same day. I told the customer service representative that I would be making two separate purchases, so Citibank would be aware that there was no fraudulent activity happening. I made the purchases, XXXX for {$2400.00} and another for {$1600.00}. 
I called Citibank on XX/XX/XXXX to make sure that the 0 % promotional interest rate for 24 months was applied to those purchases because I did not see it on my credit card statement. They told me that the customer service rep who gave me that information was incorrect, and that I dont have access to that promotional interest-rate. According to the supervisor, I spoke to ( XXXX on XXXX XXXX ) there is absolutely nothing they can do, and I, the consumer am left to figure out how to pay for {$4000.00} that will be coming due in the next XXXX to XXXX  days. I would not have made the same purchase decisions had I known I was not able to take advantage of 0 % for 24 months. And I certainly would not have used my XXXX card for any additional purchases had I been informed correctly. 
It is not OK for a Citibank employee to give out mis-information to a consumer, that the consumer will then act upon, and that Citibank has no way to try to rectify the situation, and has no interest in trying to help the consumer. This is not only misleading, it is wrong.

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 monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/23, I notified Capital One that a bill payment submitted on XX/XX/23 for {$420.00} was not received by XXXX. Capital One provided a copy of the check ( XXXX ) dated XXXX payable to XXXX. XXXX reported that the check was sent to the wrong address ( XXXX XXXX XXXX, XXXX ) and was deposited in the wrong account ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) . I filed another dispute with Capital One who declined the claim because their records indicated the payment was processed according to payment instructions I set-up in their XXXX XXXX XXXX . I have submitted three requests for Capital One to provide copies of their evidence indicating I changed the address for XXXX. Capital One continues to deny the claim without providing any proof nor resolution. The bill payment to XXXX was original created by me ( XXXX XXXX XXXX ) over 10 years ago without any changes. Capital One has processed over 120 payments to the same XXXX address without any incident until they upgraded and outsourced their bill pay system this past XXXX It is evident that the conversion resulted in the system defaulting to another address that XXXX uses for other cities, outside the XXXX area. The address change appears to be a system error related to Capital One 's conversion or internal fraud among their representatives. Capital One has security in place that sends an email notice when address changes are completed by customers, in bill pay. If I changed the address Capital One should be able to provide a copy of their system generated email notice. Since I did not change the address, I know Capital One does not have any proof, of such. In spite of 3 requests for Capital one to prove I changed the address ; they just continue declining my claims. All of my communication for the past month, have been with Capital One 's Call Center ( XXXX ) and an unmonitored email box ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: PA

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. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX, XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following account : XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Creative Finance, Inc.
State: WI

Complaint narrative:
A loan was taken for payment of approx XXXX a month. Since the loan was taken on the car the company has continuously claimed we owe more and more each time. Even when a payment is made for a month they still tell us we owe more money within weeks and sometimes even days. The company adds a daily interest rate to payments not agreed on the contract and has used threats of repossesijg the car without following the state laws in which to do so. We have never been late however in XXXX we were told our car had repossession orders already on it even though no papers had been served or sent and that to get out of that repossession I would have to pay another month 's payment and that then another payment eould be due within 24 hours to stop the repossession from happening. I paid almost XXXX $ in 2 days and then was told another payment would be due within 2 weeks or it would go back into repossession. Even after over XXXX in payments in 3 weeks the repo company still contacted me and stated they were coming for my car. I just paid a full month 's on time payment Wednesday and was told again I would owe another month 's payment in 13 days. When I asked how they believe they r following the states statute for repossession they claimed they own the title therefore own the car and can do what they want. The amount owed on the loan now is so high that I can't even sell, trade or use my car to get our from under the car and at this rate I will be forced to bankrupcy or homelessness if this form of collections doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: AR

Complaint narrative:
I received an email stating that I opened an US band checking and savings account, which I did not do. I contacted US bank customer service, and it had different addresses for the accounts. I did not attempt to open any accounts nor provided my address and information.

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello American Express Agents, As uploaded is the court documents. This will be going to Court on the XX/XX/XXXX. I implore you to wait on the dispute until the Judge has made a decision on this matter. Ive provided ample if not a exceedingly large list of why these are fraudulent charges. I find it quite amazing that you are still holding out. To highlight the facts : We had a verbal agreement that I would be charged {$5000.00} for the operation, they took my personal belonging including my credit card. 
They would not give me a fit to fly letter unless I had the XXXX ( which after speaking to council was illegal ) They charged my credit card 3 times ( which is weird, with 3 very different signatures ) at the hospital without me knowing I had to have a second XXXX here in the US to fix the work they did in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with the supporting equipment where the crutches broke in the airport The largest point of Fraud is that they charged my Insurance Company for the XXXX and actually had it at a different cost then they charged my Amex. This is such a damning piece of information that I am not sure why they are not seeing the discrepancies and the fact they got additional money for free. 

The fact they can charge me 3 times without my consent, we had a verbal agreement, I had to have the XXXX re-done and the doctor even said they used things they shouldnt have and you are saying this isnt fraud. I dont know what is. 
I am not sure if you can provide counter evidence to each fact that I outlined or you are just saying. We dont think its fraud, therefore too bad. Regardless this will all be presented infront of a judge on XX/XX/XXXX at XXXX for judgement. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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:
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 XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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