vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 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: 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 Following accounts with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 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 a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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
Consumer complaint received 2023-07-30 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: CA

Complaint narrative:
I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates 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 2023-07-30 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: NC

Complaint narrative:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

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 2023-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, XXXX of their third-party XXXX did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed with XXXX  and equifax to remove a account that is falsely being reported on my credit file, the account has wrong inaccurate information reporting and they refuse to remove it. It has been over 30 days and i have yet to hear back from these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going over my credit report when i noticed a Item that was not authorized and i would like it to be removed. 

Experian XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A unauthorized/Scam deposit happened it wasnt meh but they closed my account with no reason given it was nothing but a minus XXXX dollars on there an it was near when I get my check an I was trying to login an find out that my account was locked currently an I called them an they said it was locked or whatever trying to call them about three times they gave meh different reasons one said wait on Monday an the other said that the account was frozen but didnt know the reason an the other said that the account was frozen due to the deposit an the other was like the account is closed an I cant d on nothing about it which is really bad for meh because I have bills to pay..

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 2023-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, one of their third-party collectors did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX I was trying to buy a XXXX XXXX to scale my business and realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my report. It is a defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed with experian and XXXX to remove a account that is falsely being reported on my credit file, the account has wrong inaccurate information reporting and they refuse to remove it. It has been over 30 days and i have yet to hear back from these companies

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 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 I deposited a check for {$6800.00} into my Capital One checking account. The money came from my mother 's account at XXXX XXXX in Texas. My mother died in XX/XX/2023, and I was the beneficiary on her account at XXXX, which is why I got the check. On XX/XX/2023 at XXXX I received a message from Capital One that my check had been received, which said not to destroy my check. It said the money would usually be available the next business day. On XX/XX/2023 at XXXX I received an email from Capital One that the availability of my funds have been delayed until XX/XX/2023 because " there's an increased risk that the deposit XXXX return based on confidential information that indicates the check may not be paid ''. On XX/XX/2023 at XXXX I received another email that said my check deposit was successful and that I could go ahead and destroy my check ( which I did, believing the funds would be available on XX/XX/XXXX as they told me ). On XX/XX/2023 at XXXX I received an email from Capital One saying they had delayed the availability of my {$6800.00} until XX/XX/2023 because " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid ''. By then I had already endorsed the check to Capital One and destroyed the check ( as they told me I could ) so I couldn't try to deposit the funds elsewhere. My family has deposited many checks from my late mother 's bank accounts into various banks, and none of them have had a two month hold. Not only can I not access my money for two months, but it is not earning interest and Capital One ( now in possession of the money ) can do with it as they please. I called their customer protection line twice and they wouldn't do anything to help me, and my father called them multiple times to complain as well. When I called them, they told me they needed to " verify the check with the issuing bank '' ( Prosperity ). The first time, they couldn't get through to them, and the second time they were apparently told by Prosperity that they " don't verify checks ''. Capital One claimed that the check was suspicious because the account holder is dead ( again, we have had no problems depositing my late mother 's checks into other banks- XXXX and XXXX ) then essentially told me there was nothing they could do and then ended my call. I have never heard of a two month hold on a check. The longest hold anyone I know has experienced with large checks ( around two times larger than this ) is around 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was away on XXXX XXXX and a car loan was fraudulently obtained with my information without my knowledge or consent. Ive sent numerous letters with identification proof that I was away in the military in the XXXX XXXX. Ive also provided police report of the identity theft. M & T bank is still reporting this fraudulent account to the credit bureaus, and it is negatively affecting my credit. The dealership that gave this loan out was closed due to fraud. This car loan was obtained with a fraudulent paystub. The dealership did not require any secondary form of identification to obtain this car loan.

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 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have two promotional transactions with the company. They required a fixed payment with each promotion. The promotion with the lower APR is XXXX XXXX. The promotion with the higher APR is XXXX XXXX 

Within the same billing cycle, I made two payments to equal the minimum payment of {$290.00}. 

I made a payment of {$140.00} on XX/XX/2023, however it was not put on the lower APR promotion. It was instead put on the higher one. I called and requested it to get moved to right one. I never happened. 

I then made my next payment of {$140.00} on XX/XX/2023. The company split this payment where only around {$70.00} got put on the lower APR, and the remainder got put on the higher APR. Thus, giving the higher APR promotion over {$200.00} ( way over the minimum required amount ) and giving the lower APR promotion only around {$70.00} ( way under the minimum required amount ). 


I've called multiple times requesting that they reallocate the funds so that both accounts get the right amount that is required under contract with CareCredit. Each time, I'm told it'll get fix in 72 hours. It never does. And I've received two letters saying they can't fix it. Which doesn't make sense, because I'm only asking them to apply the funds like it should have been applied in the first place. 

When I talk to the managers on the phone, including on XX/XX/2023 -- they are very rude and nonchalant about the fact that I am about to have undue hardship on me, my credit score, and my finances because of their error. 

Because of this error, I now have to make an additional payment on my lower APR promotion -- going beyond the 24 month contract that we agreed to. There's also provisions that I will be charged extra interest if I do not pay off that account in 24 months. When, CareCredit is the one that breached our contract. 

All I want is for them to fix the allocation, so I can finish paying off my account ( without added interest ) on time. The month of XXXX is supposed to be the last month that I am supposed to pay. Because of their error, I will now have to pay an additional payment of the lower APR in XXXX -- triggering extra fees and interest because of their accounting error.

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 2023-07-30 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/XXXX I struggled to make payments on this TD account due to financial hardship the pandemic has caused. After speaking with rep. XXXX, I told him I will make arrangements on this account in XX/XX/XXXX. 

On XX/XX/XXXX I enrolled in the Re-Age program on this account in which I was required to make 3 monthly payments of {$180.00}. First payment of {$180.00} was made on XX/XX/XXXX. Second payment was due in XXXX as the XXXX payment was applied to the month of XX/XX/XXXX. I made the second payment of {$180.00} on XX/XX/XXXX. When I made the third and final payment of {$180.00} on XX/XX/XXXX, the payment was accepted then subsequently rejected for missed due date. 

During the time this account was enrolled in the Re-Age program I was never given a specific due date, I was told the agreement began on XX/XX/XXXX and I was to make 2 subsequent monthly payments of {$180.00} in which I did. 

I dispute this negative reporting on my credit report as I acted in good faith and made the 3 monthly payments. I agreed with this creditor to make the payments to bring this account current to avoid charge-off reporting and to bring this account current. I am requesting an investigation into this predatory practice and behavior that TD Bank Cash Signature Visa has displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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:
I sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer 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 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted XXXX XXXX who is reported on all three of my credit reports, several times through phone via the XXXX they provided on their website, in regard to a account/contract they alleged I owed in the amount of {$460.00}. I have asked in good faith, and according to the FCRA 15 U.S. Code 1692g for the original creditor and paperwork/contract of what I illegelly owe. Furthermore, the account is well out of the statute of limitations, so they can't even legally collect on it anyway. They are destroying my credit with this fraudulent listing, of all three credit agencies XXXX, XXXX, Transunion and are refusing to remove it, even though it is illegitimate and illegal of them to continue to report on this, and continue to harrass me about an alleged debit. Which is also another violation per the FCRA as well as per the Protection from harassment Act 1997. 
Finally, they are also not a licensed debt collector in my state, and couldn't even legally collect if they wanted to, which they can't. This company also has several lawsuits against them as they are known for there illegal pratices with consumers. Your urgent attention to this matter is greatly appreciated`.

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 2023-07-30 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: AL

Complaint narrative:
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 has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information si 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