vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: PA

Complaint narrative:
In accordance with the Fair Credit reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX Account # ... XXXX Capital one closed my account XX/XX/2022 and has been charging me interest rates and late fees sinced they closed my account. If they going to close my account. Close it. But it is fraud to keep charging me interest rates and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
On XX/XX/2023, Complete Payment Recovery Services contacted me about an account, but they did not identify themselves as CPRS. I would not discuss personal information over the phone, and then did not send a validation notice. On XX/XX/2023, they called again, this time identifying themselves, and I stated again that I would not share information over the phone. I did request that they send a written validation notice from a verified agency. However, they stated they wouldnt discuss it with me and hung up on me I called back approximately 30 minutes later and stated I would be willing to communicate after receiving a written validation notice. They once again stated they would not discuss it with me. I said I dont need to discuss it over the phone, but they do need to send a validation notice. The person on the phone once again hung up on me as I was talking.

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One credit card CFPB original complaint number XXXX In XXXX of this year, I closed the account for my own personal reasons. The account was in good standing at the time it was closed, no late payments or balances. However, upon closing the account, Capitol one placed a remark on the credit report, which states- " Dispute resolved -Consumer disagrees. Account closed by consumer. " There were no disputes, other than a balance inquiry back in XXXX of XXXX, which was resolved instantly, without incident. Other than the CFPB complaint, which I was extremely satisfied of the results, there has been no interaction with Capitol One. Attempts were made by phone, to resolve this matter, went unanswered. There was no dispute resulting in the closure of the account, just my desire not to do business with Capitol One. The remarks appear to be retaliatory, as to the complaint filed, in which Capitol One had to remove negative reporting off of my credit report for 1 late payment during the Covid pandemic, when by Federal statue, they were not supposed to do in the first place. Thus was the ONLY late payment made to Capitol One during that period and up and until I closed the account in XXXX. The remarks were unwarranted and should be removed in its entirety. No remarks are necessary, only that the Customer closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 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: MA

Complaint narrative:
In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report. 

The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, the last active date is inaccurate and the last reported date is inaccurate. 
This is ground for removal. They also violated my rights inder 15USC 1681. Section 602 A.

I have the rights to privacy 15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Account name XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account name XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX, NY 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 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: SC

Complaint narrative:
Hello I have a question so this attorney name cooling & winter is suing me for credit card debt for XXXX XXXX  XXXX when I ask them can I handle this out of court I never received an response I have court in XX/XX/XXXX and I have no money Im stuck in New Jersey at the moment an Im not sure of what to do and they never notified me they was sending me letters no calls no nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXXXXXX XXXX  to be removed from my credit report. 

All Accounts are listed below : XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2023 AND XX/XX/2023 I received these notices from Synchrony Bank that my accounts from JCPenney and Belks Department Store were being closed because of I made dishonored payments on other accounts with Synchrony Bank. They have since closed my accounts with Lowes and Rooms to Go Furniture store. I called Synchrony Bank on XX/XX/2023 and they connected me with the fraud Department the Rep I spoke with told me that there were several attempts to make a one-time payment to my account of {$3800.00} and of course I did not have that in my account to start with and I nor my husband ever tried to set it up as a one-time payment. I always call my payment in as it is due monthly XXXX the last of which was paid XX/XX/2023 of {$150.00}. I would never try to set up a one-time payment of such a large amount knowing that I do not have it in the bank. I had notifications set up on my phone that will tell me if something was wrong with my bank account I never got anything notifying me that such a large amount was trying to clear. They never told me how it was supposedly being set up time, day, or anything. I work an hourly paid job my husband is in the military. We live paycheck to paycheck to pay our bills we just purchased a house. There is no way that I would set up a one-time payment of over {$3000.00} to come out of my account

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 2023-02-25 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: Alorica Inc.
State: NJ

Complaint narrative:
I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX XXXX  to be removed from my credit report. 

All Accounts are listed below : XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service.

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXXXXXX XXXX to be removed from my credit report. 

All Accounts are listed below : XXXX XXXXXXXX XXXX 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 2023-02-25 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account does not belong to me and is fraud. I have included the identity theft report. You can also see this account was also removed from my XXXX and XXXX report as it was removed. Please delete it. 

Account name : XXXX XXXX XXXX Account number : 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX You applied for a credit card on XX/XX/2023 I received the above information via email from XXXX XXXX and Experian XX/XX/2023. I did not authorize the credit card application and the address used was an old address ( XXXX XXXX XXXX, XXXX, OH- I have not lived in Ohio for 7 years ) XXXX XXXXXXXX divulged that someone used my name, DOB , and SS # to apply for a credit card. It is now noted as fraudulent. I froze Experian and reported fraud to XXXX and 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 2023-02-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$250.00} LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: LEXISNEXIS
State: SC

Complaint narrative:
LexisNexis has share information with XXXX without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Anchor Financial, Inc.
State: VA

Complaint narrative:
In XXXX I transferred XXXX XXXX tokens from the XXXX XXXX  to ANCHORUSD. This app had a 5-star rating and good reviews. Also, this site was going to participate in the XXXXXXXX XXXX drop. I transferred my coins. I could check my balance for three years, and everything seemed normal. In XXXX of XXXX, we received our XXXXXXXX XXXX I had this app on three phones and could check my balance for three years. During this time, ANCHORUSD asked me to verify my identity, which is normal. Everything seemed normal. I then noticed that I could not access my account on one of my phones and opened a ticket with them to report the problem. 

ANCHORUSD accused me of laundering money and asked me to remove all my tokens from their siteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Consulates worldwide. I currently live in XXXX XXXX, XXXX XXXX, but my home of record is XXXXXXXX XXXX. I verified my identity with them, and they were satisfied. However, I still was unable to log in to my account from one of my phones and reported this. I then started to read reviews about them online, and many others can not remove their funds from this site. I decided to move my tokens back to XXXX. I am being blocked by ANCHORUSD from doing this. I have tried for several weeks to move my coins and can not. I am repeatedly told by ANCHORUSD that they are working on the issue. 

After reading posts on ANCHORUSD, I believe them to be a scam. I want to report this so that if there is any recovery from them, I may be able to recover my coins. 

Yes, I feel stupid. Their app is still listed in XXXX and has over 4 stars. I have lots of emails. More than what I seem to be able to upload to your site. Also, there are numerous complaints about this site on the Internet. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: GA

Complaint narrative:
I recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.

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 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On Saturday XX/XX/2023 I opened a new CD with Synchrony Bank. The funds used to fund the new CD account was an INTERNAL TRANSFER from a Synchrony savings account. The funds were taken out of the savings account immediately and the CD was opened immediately. However the CD was now dated Monday XX/XX/XXXX and not the XXXX. This is not what I wanted as I have CD 's timed for reasons that not important for me to disclose. What and when I want to do with my money is not for the bank to decide. I opened the CD on the XXXX of XXXX because I wanted the CD to begin on XX/XX/XXXX and not the XXXX. I tried to correct the issue with Synchrony Bank by calling. First to a representative and then to a supervisor. I was told that that was their policy Period. Next business day and If I wanted to now cancel the new CD, there would be a fee. I do not have this problem with other banks. If I open a CD and fund it by an internal transfer, from the same bank, that CD starts on the day I open it regardless of holiday or weekend and not the " next business day '' as I was told by Synchrony was their " policy '' and the way their " system '' works. Unacceptable. An external transfer from another bank is one thing, an internal transfer is another.

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