vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I was notified that I had a late payment with XXXXXXXX XXXX  when I contacted XXXXXXXX XXXX they admitted that they made a mistake when they purchased XXXXXXXX XXXX and that is all automatic payments did not migrate to their system. I was under the impression that my payments to XXXX XXXX are being deducted from my bank account as it was in the past with XXXX that turned out to be not the case on three different occasions I talked with XXXX XXXX representative and they all admitted that the bank had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all three of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXXXXXX XXXX  XXXX XXXX XXXX who also admitted that the bank had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by XXXX points because of the credit agencies actions as well as XXXX XXXX actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Opened in XX/XX/2014. I was told to pay off account cost a specific amount by worker at XXXX XXXX. I paid that amount and was told I am out of my contract. Checking my credit report is shows that I owe an amount that I have never confirmed. I was tricked by this company and it has caused credit 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Medical Debt was Reported to Credit Bureau in XX/XX/XXXX. 
I am unaware of any medical procedures done, but based off the timeline, the original creditor was most likely for a Covid Test back in XXXX when state wide emergency was in effect and all COVID exams were free. This was never verified or made aware of to me. 

I did not receive any notice of debt from provider OR collection agency and first saw it on my credit report. 

I disputed it on all 3 Bureau, It does not show on XXXX and XXXX, but as of XX/XX/XXXX, the collection shows on XXXX. The latest status date was as of XX/XX/XXXX. 

The amount of the debt is {$470.00}. 

I am also aware that medical debt under 500 should not be reported /shown on Credit report and should not affect credit score.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX 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 : 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX  have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX 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 : 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is the second company attempting to collect from an account paid in full from XXXX XXXX. Debt was paid in XXXX. This could have easily been verified by looking at my credit file. Companies buying old debt and NOT verifying if its paid should be illegal. As they are illegally attempting to collect something that has already been paid, thus committing financial fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Tried to contact credit bureaus to resolve and dispute item that was not mine, but I have had no luck. I also tried to get the addresses removed that do not belong to me and they have refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting and Acct # 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 HAS violated my rights. 

15 USC 1681 Section 602A. I have the right to privacy.

15 USC 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In Accordance with the Fair Credit Reporting and Acct # 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  HAS violated my rights. 

15 USC 1681 Section 602A. I have the right to privacy.

15 USC 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

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 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Every since Select Portfolio Servicing became my mortgage Server in XXXX, It has been nothing but harassment. In the past, I have had issues with Select Portfolio Servicing, Not sending me, my end of the year statement. Select Portfolio Servicing deliberately mail out mortgage statements late. So they can charge fees. Today is XX/XX/XXXX and I have not received my mortgage statement. This is their method of operation. I have never paid my payment late. But Select Portfolio Servicing will withhold my payments to claim they were late. In the past I called and received racial slurs from customers service. This is a violation of my civil rights, it is harassment. Select Portfolio Servicing is committing criminal acts. I have a Paper trail of Deceit from Select Portfolio Servicing. They sent fraudulent documents in the mail, in which my name and initials had been copied and pasted to illegal, fraudulent documents, Even my name had been forged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citibank business checking account in XX/XX/2022 with {$38000.00}. Within one week, they'd frozen the account and submitted it for fraud investigation. I was informed that they had 30-90 days to complete their investigation and close my account, but it's been seven months and I still have no answers ( or my money ) despite multiple visits to my branch/the manager and calls to the fraud department. The funds have cleared the account of the issuer and are sitting with Citibank. I want them to close my account and return my money.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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. 


XXXX XXXX XXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX  is reporting inaccurate payments on a closed account. This account negatively showing when its closed

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
To Whom It May Concern, This is in reference is in response to the letter that your company sent me XX/XX/2023. In that letter, it was mentioned how you have violated the Fair Collection Practices Act ( FDCPA ). In response to that letter, your company replied that it is not governed by FDCPA because the same applies to the third-party debt collector and not the creditors.

I request you to stop sending me the statements and provide valid proof that you are a creditor. That proof should not include the Consumer Contract because as per the judgement in Pacific Concrete F.C.U. Vs. Kauanoe, the Consumer Contract is not sufficient evidence of a debt. Also, provide the audit trail of the transaction originated by you.

I am attaching herewith valid proof of you being a debt collector under the provisions of FDPCA.

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The following debt does not belong to me. I have never opened an account with this company in XXXX of 2022. It has been ruining my advances in life with this negative credit report and Im requesting immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have a checking account through Citizens Bank and pay my debts through online bill pay. On the XXXX of XXXX I submitted payment amounts to four institutions : XXXX credit card, my water department, an XXXX XXXX bill and my car loan payment to XXXX XXXX. The first three creditors were sent out ( as usual ) on the following day. My XXXX payment is a minimum of {$270.00}. I always send {$100.00} to {$200.00} more so that I can reduce the interest accruing on the account. After I received my federal tax return, I chose to send an additional {$5000.00} ( the total amount I submitted was {$5400.00} ). I did so with the intent of lowering my principle and therefore the interest I would owe on the account. The amount of the payment was in my checking account. But Citizens would not send the payment until the XXXX. On top of this, they sent the payment by a check. To date, XXXX has still not received the check and it is now 5 days since the check was sent. My payment was due on the XXXX, and although XXXX has assured me I have a 10 day grace period, I am angry because I have never been late on any payments to anyone! My credit score has always been in the 800s and that is now at risk. I have lost, and continue to lose money that should have come off of my car loan principle. And I am now at risk of incurring a late fee if payment does not soon reach XXXX. When I called the online payment center of Citizens, they said they have a third party that makes the payments and that they are not responsible. They said this third party was an institution called XXXX. I called this morning and spoke to an operator who said her name was XXXX and when I asked her to spell XXXX ( to make sure I had the spelling correct for this complaint, she said it was spelled XXXX. I asked her to confirm the spelling. I think that Citizens or XXXX held onto my money without my authorization and cost me financially. Is this an unlawful practice and can I recoup the money that should have already been taken off of my principle? As well as any late charges that may yet be incurred? Is this a legal practice and do I have any recourse to settle this matter?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
This appears to be a case of fraud. My brother XXXX purchased the gift card to reimburse me for some tickets that I purchased for him. Per the receipt, he purchased the card at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) in XXXX, UT. XXXX 's is part of the XXXX family of stores. 

Card purchased on XX/XX/2023. I received the card from my brother on XX/XX/2023 and attempted to activate the card on XX/XX/2023 at www.prepaidgiftbalance.com. The original amount on the gift card was {$120.00}. Apparently, the card had already been activated, because I could not register my information online. Called the number on the back of card : XXXX, entered the 16-digit card number ( XXXX gift card ) and then security number. The automated response offered an option to hear the current balance. Balance was {$28.00}. Could not get a live person on the line. 

Called the number again this morning, got a rep, gave them the card Information and my name, only to be told that the name on record did not match my name. Clearly a fraudster. Pretty sure that I will not be able to recover anything, but wanted to report this. 

Store location is : XXXX 's, XXXX XXXX XXXX, XXXX, UT. XXXX. I work in the banking regulatory arena, so I know that it helps to report these instances to protect the next unwitting consumer/customer. 

XXXX XXXX, XXXX XXXX, FDIC

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