vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: MI

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 EQ XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ ; Whereas XXXX  is XXXX, XXXX is XXXX, EQ is Equifax 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 ) states a person shall not furnish any information relating to a 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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Medical bill in the amount of XXXX was added back onto my credit report on XX/XX/XXXX after being dropped 2 years ago. The original date of the ER bill is from before XXXX, over 7 years. 

Commonwealth Finance contacted me one time on XX/XX/XXXX, XXXX mail correspondence, and wanted me to verify my social security number. I refused, since they wouldn't tell me who the call was from and wasn't comfortable providing my information, then I hung up. The next day, XXXX alerted me to a collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX Experian are reporting inaccurate information on my credit report about my student loans XXXX, they are reporting that I have missed payments and have late payments while I'm currently in forbearance and also COVID-19 student loan payment pause I've been disputing this inaccurate information in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and they have done nothing to help

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 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent letters initially to XXXX, XXXX, and XXXX requesting verification for an account on my credit file being reported by Portfolio Recovery. It was verified and I was told to contact them directly to ask for a method of verification. When I did, they just sent me a copy of a credit card bill. In my letter sent on XX/XX/2023 and XX/XX/2023, after checking the nmls consumer access and seeing that XXXX  was not a state they were authorized to conduct business in, and I reside in XXXX, I asked for proof that they could operate in the state of XXXX  and verification of the account they are reporting on my credit file other than a copy of a bill. I didn't received adequate debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have contact this credit card in the past, I am thinking XXXX, asking to see if they would decrease my APR % and they declined my request. In XX/XX/XXXX, I contacted them again for the same request and again declined. Each time I requested to talk to a manager, was told a manager is not available at the time but will have them contact you in the next 24 hours. Both times they failed to call me. 
I have been an on time customer and have paid this card off a couple of times. And they are not willing to help me. But they will increase your spend amount without you approving. My other credit card from a different company lowered my APR % with no problem.

Barclays doesn't care to help their good status customers. Once this card is paid off, I am done with them.

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 2023-03-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/2023 I checked my credit and saw a debt collection account that I had no prior knowledge of. I had never done business with this collection company nor a contract and I have never received any notice about any debt owed, which by your standards a debt collection company must do the following prior to reporting a debt to the credit reporting companies : " Speak to me by telephone or in person about the debt or mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable ''. Neither of these things happened. 

So, on XX/XX/2023 I emailed the company at XXXX and XXXX to dispute this alleged debt and I also mailed a dispute letter via the USPS on XX/XX/2023, the letter and the email along with a receipt of the USPS transaction will be in attachment. 

Now, as of XX/XX/2023 I have not heard a word from this company about verifying this alleged debt and on XX/XX/2023 the account does not show as being disputed on my credit report nor have I received notice via XXXX as of today that this account is being disputed. This company has ignored my letter and email about this dispute and they also refused to update the status of the account as " being disputed '' this a clear and blatant disregard to my rights and a clear violation. This account needs to be deleted ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal sold my debt to XXXX and and now they are garnishing my wages also lied about validation of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Was unable to make an online payment on my Lane Brant - Comenity card for {$50.00} because their system was down for an upgrade so i made the payment over the phone for {$50.00}. They took out two {$50.00} payments on that day. I still didnt get a statement from the so i called again and they said i had made one {$50.00} payment and the other transaction was a reversal. I provided everything they asked for to dispute it including a written statement, copies of my bank account, transaction numbers, but their responses were vague and stated they didnt receive the payment. I went to my bank in person and met with a bank officer who verified that both transactions were payments to Comenity bank and no payment reverals had ever occurred. I have spent hours on the phone trying to resolve this and have now just paid the balance and closed the card account on the same phonecall. A month later, I received another statement for XXXX and a XXXX late fee. Additionally, the address XXXX street name and town ) on my statements was spelled incorrectly and the customer service agents could barely speak english making it almost impossible to converse. My statements online were changed after i called to complain. I do have the paper statements to prove this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2023-03-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have made several payments to them in the last two months of what I could pay as my normal payment amount and Im only a month behind, they continue to call 2-3 times a day and now they are calling me on the weekends. I feel harassed as they havent sent me any paperwork only called multiple times and disrupting my home life with 3 kids and a pregnant wife. Its continued added stress that we dont need

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 2023-03-18 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: MD

Complaint narrative:
Capital One BillPayer failed to deliver two property tax payments by the promised date that were intended to go to my local government. 

In early XX/XX/XXXX I configured two property tax payments for two properties I am responsible for. These were scheduled using the Capital One BillPayer system which specifies a " send on '' and " deliver by '' date. Both were due to be delivered well before the due date of XX/XX/XXXX. XXXX XXXX reported both as a week late and charged me a late fee for both - {$59.00} for one, {$49.00} for the other. 

I filed a claim online with Capital One and after several weeks of back and forth they said they sent the payments when promised but they are not responsible for delivering them by the date promised nor could they tell me when they were actually delivered. I also went into the local XXXX, Maryland branch and was promised an investigation that would reveal the actual delivery date but after two weeks can not contact the Branch manager who was supposedly working on this for me. 

Attaching the BillPayer records indicating two payments were promised to be delivered before XX/XX/XXXX but they do also show the payments were processed in XX/XX/XXXX. 

There is a chance XXXX XXXX got the payments on or before XX/XX/XXXX but I have no way to prove that other than the Capital One BillPayer system saying they would deliver these payments before then. So I was charged and paid two late fees for something that I should not be responsible for. And Capital One is basically ignoring me. 

Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I made a chargeback billing dispute for a {$2000.00} pre-payment for a pinball machine, specifically dispute XXXX. It was closed and I formally appealed. It was then considered by Citibank that the " investigation complete '', without giving me back my {$2000.00}. I disagree and am complaining about the decision and formally request the {$2000.00} to be returned. 

For reference, the {$2000.00} was prepaid for a product I never received, and I had concerns about the quality and workmanship of the product and did not want to continue with the purchase. I provided documented evidence of quality defects occurring in the same product of pinball machines being manufactured prior to my pre-order.

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 2023-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I responded to email message in payapal, stating I had received an overpayment of {$1500.00} by mistake into my linked credit union checking account, to call phone # in message. Calling # provided, I thought I was talking to paypal, who directed me to view my checking account, which showed a " pending deposit '' of {$1500.00}, and that I had to immediately repay the amount to them, or it would become a police matter against me. Person on phone directed me to buy XXXX {$500.00} XXXX gift cards at local drug store and transmit phone picture of same to them. I did so, under threat, went home and found " pending deposit '' of {$1500.00} to my credit union checking account had disappeared, and was never deposited. I then at last realized I had sent gift card money to a scammer and hung up. I was later able to retrieve {$500.00} from XXXX of the XXXX gift cards that was not cashed in by the scammers. I made a police report to my local police, filed an on line FBI police complaint and filed a fraud claim with my credit union, which was later denied. I emailed paypal several times, on XX/XX/XXXX and then sent them all documents on XX/XX/XXXX to customer service, showing I was scammed of {$1000.00} because of their negligence and failure to protect me from scam using paypal, but they denied they had any responsibility to make my money loss whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT OUT WITHOUT READING ITS CONTENTS Capital One Auto Finance had violated me and continues to violate me by 1. furnishing deceptive forms ( ie. a contract that does NOT have my signature on it ), 2. violating an active XXXX and XXXX ( sending threatening letters to my private address dated XX/XX/2023 XXXX, XX/XX/2023, XX/XX/2023 ), 3. NOT furnishing required and requested disclosures ( sending a contract that does not have my signature on it 3 times ), 4. reporting my personal and private information to third parties WITHOUT my consent ( reporting to consumer reporting agencies from XX/XX/2023 to current ) ... .in fact, with my SPECIFIC REQUEST NOT TO DO SO, 5. reporting to third parties erroneous information and intentionally NOT reporting that this account is in dispute, 6. threatening me with legal action ( dated XX/XX/2023, two threatening letters ) that can not be acted upon at this time because Capital One Auto Finance had failed to furnish ANY of the necessary and required documents requested, COAF has violated me in many other ways, however this complaint is NOT the same as any prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of account below have violated my federally protected consumer right 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 XXXX XXXX  / 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAYMAKE ANY CONSUMER REPORT CONTAINING AN OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORD OF CONVICTION 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 AND 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 2023-03-18 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:
I reviewed my consumer reports and noticed that I have three late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they would be as I was never late. Thanks

Company response to consumer: Closed with explanation