vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX I submitted complaint number XXXX. I stated that in accordance with federal law Transactions and Experience are to be excluded from the consumer report in accordance with Federal Law 15 USC 1681a ( 2 ). I NEVER mentioned anything being reported as " inaccurately '' only what the law says should be EXCLUDED. In addition, the terms and condition mentions that they may report to the credit reporting agencies my experience with them BUT DOES NOT clearly states that I should be given the option to have my personal nonpublic information NOT SHARED with any nonaffiliated third party. This is a VIOLATION of 15 USC 6802 and furthermore their terms and conditions DO NOT give an explanation as to how I may exercise my nondisclosure right. Barclays also mentioned that the account is being reported as " charged off settled ''. in accordance with IRS publication 4681, charge off are considered to be " canceled debt '' which are to be included as " INCOME ''. Income can not be reported on the consumer report as it is a violation of privacy AND discloses specific nonpublic account information. This violates both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. These are not my laws nor my rules but those established by congress. Ignoring them is places you CIVILLY LIABLE and is considered willful negligence and noncompliance for which congress says the consumer is to be compensated {$1000.00} for each violation in addition to ANY ACTUAL DAMAGES sustained by the consumer ( which are significant ).

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS AND THEY HAVE NEVER DONE THIS OR BEEN AS XXXX WHEN IT COMES TO CUSTOMER SERVICE. 

THEY STOPPED ALLOWING ME TO USE MY CREDIT CARD WHICH WAS THE ONLY FORM OF MONEY I HAD FOR THE WEEKEND OF WHICH JUST PAST AND THEY DID SO IN A FASHON THAT IS DISCUSTING. DISCUSTING NOW ON MONDAY THE CSR IS STILL BEING CONDESCENDING AND REQUESTING MORE DOCUMENTS LIKE I, AM DOING SOMETHING NOBODY HAS EVER DONE.

I, AM NOW THEY ARE BEING ACCUSATORY IN NATURE AND I DO NOT APPRECIATE THE EVEN THOUGHT. THIS COMPANY SHOULD BE FINED AND I WILL BE PAYING AND REMOVING ALL MY BUSINESS AS QUICKLY AS POSSIBLE WITH A XXXX  COMPLAINT AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CA

Complaint narrative:
Portfolio Recovery Ass. ( PRA ) has wrongfully assigned a debt to me. I have never signed a contract with XXXX XXXX. I asked them to produce a contract that I signed and that said they do not have one yet they refuse to delete this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022 I received a letter in the mail that I missed one or more payments. The problem is I haven't received a bill in the mail within the last six months for this particular card. I paid the balance down beneath the credit line months ago and no bill ever showed up, now it has skyrocket over the credit limit. I would like the company to consider identity theft that is currently pending at a XXXX Police station here in Wisconsin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX  XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same. 

This account was also closed by the grantor and then reopened with the same account number without my permission and is now showing as a new account that I did not authorize and is reporting new account history. This account was opened in XXXX of XXXX and is now reporting a new date of XX/XX/XXXX. I did not authorize this company to open a new account on my behalf and if this account is going to report on my credit profile it needs to report accurately. I wanted this corrected immediately or I do plan to pursue litigation based on laws provided by the FCRA. 

XXXX XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same.

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 2022-05-02 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: Kriya Capital, LLC
State: FL

Complaint narrative:
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) account opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX  XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) account opened 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 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Identity theft, the account that was open, was not opened by me and I did not give anyone permission.

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 2022-05-02 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I paid XXXX and XXXX  off and they still have a balance on them also, there are a lot of inquiries from mortgage companies that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: OH

Complaint narrative:
I was sent a credit card from CashApp that I did not apply for. I have to activated the card. I reached out to CashApp & spoke with a rep ( XXXX ) to report the fraudulent card. He sent me a questionnaire to be able to look into this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX UNKNOWN FURNISHER account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) 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 that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX UNKNOWN FURNISHER account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) 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 that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, Equifax and XXXX I have not received a response from either about inaccurate reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, XXXX and Experian I have not received a response from either about inaccurate reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For months, TransUnion has reported an account ( XXXX XXXX XXXX Account # : XXXX ) on my credit report with missed matched dates and missing information. 

For example, they are not reporting the " Account Type '', which is information they must have but for some reason, it's been missing from my report for the past three months and nothing has been done to fix it. 

As well, they are reporting this account with an incomplete account number that I don't recognize, nor they have provided the actual number or proof that it belongs to me. I sent 3 letters in the past three months and I gave them enough time to respond but to this day they haven't acknowledged my letters in any way. 

Also, TransUnion has frequently updated and reaged this alleged debt, which is a violation of the 7 U.S. Code 9, it is prohibited to use false or misleading, or inaccurate reports of information.

To this day, this account is still being reported as " Account not disputed '' and I receive absolutely no correspondence from this company.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I closed the credit card account and I was told that the annual fee will be eliminated as it has just been charged for the year. After a month or so, I received a bill showing that the fee was not taken out and my account was now past due. After contacting the bank again, I was ignored and I was told that I am responsible for paying the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Banks Amazon Store Card XXXX XXXX was unsolicited. XXXX XXXX did not knowingly apply for Synchrony Banks Amazon Store Card. Changes on card XXXX XXXX are currently over {$150.00} for issuance fee, interest fees, and late fees because XXXX XXXX does not have a Synchrony Banks Amazon Store Card, and XXXX XXXX has not made any purchase using Synchrony Banks Amazon Store Card. I do not know how Synchrony Bank ensnared XXXX XXXX in its Amazon Store Card scheme, however ; I do think that XXXX XXXX  is Synchrony Banks Amazon Store Card only victim. Please investigate Synchrony Banks Amazon Store Card fraudulent activity to protect XXXX XXXX and others and please have all information regarding XXXX XXXX expunged from Synchrony Banks Amazon Store Card records. Respectfully 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 non-monetary relief
Consumer complaint received 2022-05-02 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXXwith concern to hard inquiries from 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 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2022-05-02 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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with non-monetary relief