vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: MI

Complaint narrative:
( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same.

Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 
" XXXX XXXX XXXX '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY.

15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have checked your company credit report by gaining revised one, even though there is a question how we will gain another revised credit report after 6th time to check whether my credit report has revised and corrected. I have noticed that XXXX XXXX alert has removed ; however, I request the formal explanation why this alert has added to my credit report, since I have difficulty to understand the reason this happen. I believe your company and other credit companies in the United States have that responsibility, since I argue with my XXXX friends and others globally. 

Since your company requested me to provide the specific reasons of disputes with my credit report, which looked so simply, I have decided to go through. Same as other credit report companies in the United States, which I do not know the existence of similar character companies in XXXX, I have decided to inquire following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My XXXX Paypal autopay did not go through ( even though I received a message saying it did ), I was then charged a late fee. No one can explain why the autopay failed ( another account used the same exact information and worked fine ). 
1. I was told the late fee would be reversed -- it has not yet been reversed.

2. autopay is only on the date due, so there's no way to avoid a late fee if it " mysteriously '' doesn't go through.

3. This seems like a scam to accumulate late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2023 i could not get the card I tried to get

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
About 2 years ago I had some issue with my Provident XXXX XXXX accounts, the bank decided to close up some of my accounts, because i had not put in any money for a few years, only nobody cared to notify me. Also, the account were I did have money they were charging me fees I did not know about so I decided to take my money elsewhere, and had them close all my accounts. I have not been able to have them close my accounts properly to this date, and I still receive e-statements. It has bene impossible to even access my own account online, to close it, and they have not been of any help. I even tried to update my billing address, and had no luck. 

I'd like to have them close it all for good, and send me a confirmation they have done so. 

At this point these accounts are obsolete, and I have asked too many times to close them up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXCompany Sold Account Type Debt Buyer Date Opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. 

Status Updated Balance Balance Updated Original Balance Paid Off XX/XX/XXXX {$880.00} XX/XX/XXXX $ XXXX  Monthly Payment 0 % Past Due Amount {$880.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Last reported XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX balance XXXX  Originalcreditor XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Opened Account status Open Type Responsibility Individual Accountinformationdisputed byconsumer, meets FCRA O Today Credit Cards Loans 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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Overview : I am member of Costco and have their Citi Card. 
I am writing about what I feel is a deceptive " Flex Payment Plan '' offered by CitiBank ' s Costco Visa Card which basically guarantees that people will end up paying interest on their non-flex items due to lack of clarify in Citi 's banks billings and on individual members ' account pages on the citi.com site. I contacted Citi about it and was told that they have received many calls from Costco customers due to the lack of clarity and transparency of this program. They did take my complaint.

I tried to call Costco about this as they are the ones who have the relationship with Citi to use their name on the Citi card. I am unable to discover a way to contact Costco about this despite the fact I have been a member since XXXX. 
I am asking that you help Citi Costco Card members get clarity on the amount of payments they need to make monthly to avoid interest payments accruing on their Flex and non-Flex balances due. I am also asking you contact Costco who has a contract with Citi company. I do not believe it fits Costco 's vendor ethics policy to allow Citi to treat their customers in such a deceptive manner. 
Note : I regularly pay my account in full every month, however, I was interested in this no interest " Flex '' manner to spread my high dollar travel item over XXXX months in addition to paying my regular non-flex monthly charges. 

Situation : In @ XXXX of XXXX, Citi started to offer a Flex payment plan for high dollar purchases. 
A choice was given about how long a period a person wished to have to pay their Flex item in full. I chose the 3 month program for payment in full of my high dollar purchase with no interest for the travel item on my XXXX bill of {$6300.00}. However, my XXXX bill did not reflect the Flex Plan amount for the XXXX payment. 
I went to the Citi.com site for my account and it stated I could either pay my account in full of {$7000.00} or a payment of @ {$100.00} which recognized my Flex amount. However, my math said I should pay XXXX of my {$6300.00} ( {$2100.00} ) plus my non-Flex amount of {$680.00} for a total of {$2800.00} to avoid any interest. I called Citi.com and confirmed this with a representative who was very helpful and said he had multiple calls from people confused about what payment to make to avoid interest. I feel that the average person ( I have a XXXX ) would end up paying interest they never intended due to Citibank 's deceptive billing practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Supporting this is 5 U.S. Code 552a " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Experian violates of - 15 U.S. Code 1681b " Experian would need my written consent to add anything to my consumer report which I did not give. 
- 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) " Reporting Transaction history is illegal.

Under 15 U.S. Code 1681c " No adverse items besides the conviction of crimes should be on a consumer report.

- 15 U.S. Code 1681s2 " Experian has been put on notice of the inaccurate information and must immediately stop reporting that information. 

Under 15 U.S. Code 1681n Experian is liable for {$1000.00} per violation for noncompliance. ( There have been 204 violations counted. ) Per the FCRA as a federally protected consumer. I am now Opting Out of any authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit profile I noticed some hard inquires that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank closed my account out still don't really no why but I'm fine with that I just want my funds returned back to my account my mom XXXX XXXX lent me {$380.00} and XXXX to help with rent and food so she wrote me 2 checks and they drafted my mom account she has with XXXXXXXX XXXX after shortly after they closed my account once they took my mom money her bank have been calling she have been calling, I have perfusely been calling and they keep lying saying they sent the money but get your mom to call which she has and her bank, they saying they sent the check but I am checking the mail daily nothing at all from them and this incident occured XX/XX/XXXX and here it's a new year my mom need her money this was only a loan this her only income for her XXXX I hope you can help I truly do thank you

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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in XXXX to three weeks. 

My XXXX XXXXt report shows the following : XXXX XXXX card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
recently I applied to open a checking or saving account with CHASE but i was denied, i never had an bank account, i have never had a credit card, I had hardly work because XXXX XXXX XXXX currently i am on SSI and i was planning to have a saving account so i could start saving some money, but the financial institution make our lives impossible. They are sharks, they dont help people like me. I am planning to take this issue to members of congress, but before i do it, i would like to have a very clear explanation as to why they are not letting me have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
A notification of a debt owed for {$100.00} appeared on my credit report, explaining that I owe Sunrise Credit Service with a telephone number of ( XXXX ) XXXX. I telephoned and their recording stated their office hours. My call was within those office hours. The only available option is to be transferred to their automated payment portal. It is not possible to speak with a human and learn more about the debt. Sunrise Credit Service never wrote to inform me of the debt. They simply made a negative credit report entry.

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 2024-01-06 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and others i dont authorize

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and others i dont authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account was recently closed with Venmo and all of my life savings are in this account I can not pay rent Im currently being evicted for not paying rent due to me not having access to my funds they unlocked it and I tried to transfer money out then they locked it again I cant understand the reason for this I just wish to receive my funds without getting legal council involved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: SC

Complaint narrative:
XXXX  AND XXXX  AND XXXX  WERE REPORTED AS FRAUD AS SOON AS A ACCOUNT HIT MY FILE, MY PERSONAL INFORMATION IS BEING USED FOR RECEIVING THING LIKE CELL PHONES, TV, PERSONAL THINGS AND I HAVE A FRAUD ALERT ON MY FILE BUT CLEARLY IT DOESNT MATTER BECAUSEE THESE COMPANY OVER LOOK IT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian / XXXX XXXX is breaking the consumer law pertaining to Acct # XXXXXXXX XXXX XXXX  and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!

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 2024-01-06 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: TX

Complaint narrative:
Inquiry not mine XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
As the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Supporting this is 5 U.S. Code 552a " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Equifax violates of - 15 U.S. Code 1681b " Equifax would need my written consent to add anything to my consumer report which I did not give.

- 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) " Reporting Transaction history is illegal.

Under 15 U.S. Code 1681c " No adverse items besides the conviction of crimes should be on a consumer report.

- 15 U.S. Code 1681s2 " Equifax has been put on notice of the inaccurate information and must immediately stop reporting that information.

Under 15 U.S. Code 1681n Equifax is liable for {$1000.00} per violation for noncompliance. ( There have been 71 violations counted. ) Per the FCRA as a federally protected consumer. I am now Opting Out of any authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My business banks with Wells Fargo. On XX/XX/, a false/fraudulent check for {$24000.00} was deposited by an unknown person ( written to " XXXX XXXX XXXX XXXX on the check ). We called Wells Fargo and let them know it was a fraudulent check and they said they would look into it. Almost 3 months later, they sent us a statement saying they couldn't recover our funds, which we thought was absolutely ridiculous. The case number was XXXX. We would like some better fraud protection from a large, national bank.

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 2024-01-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of these Inquires

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