vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. 
Under 15USC 1681 sec. 602 states i have the right to privacy.

Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.

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 2023-04-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX account number 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 a open end consumer credit plan as late for XXXX  purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
Hi opened a Venture X credit card with Capital One, which is supposed to be their top of the line credit card with the best customer service. However, I have found that Capital One uses these large welcome bonuses and high annual fees in a predatory manner. 

If I spent XXXX in the first 3 months of having the card, I was supposed to receive a XXXX miles welcome bonus. However, at XXXX spent ( conveniently for Capital One ), I was told that my account was restricted and that my income needed to be verified. I was told that I needed to provide 3 months of consecutive bank statements. At first, I was told that I couldn't send in statements from a Capital One bank account, which is absolutely absurd. I had to escalate to a supervisor to be allowed to use my Capital One bank statements. I was also told that I could only send in this bank 's statements, which led me to assume that they were just checking if I had enough to make the payment at the time ( around XXXX ). At no point was I told that I had to prove that the income amount that I had put on the application in this exercise. 

When I heard back that my account was being closed, I was very confused. I talked to several representatives who all gave me slightly different answers. At this point, it was obvious that Capital One cared only to do the bare minimum for customers. I finally reached a representative that realizes that I would actually be able to prove my income if given the chance to provide additional documents from other banks. She put in a referral to reopen the case, which was then denied. Following the denial, I talked to a representative who could not tell me why the case was unable to be reopened, given that I was not told to provide all sources of income ( and that I had documents to prove my income ). 

I have spent XXXX dollars which I could have spent on a different card to earn rewards, yet I was scammed by Capital One right before I received my welcome bonus. I have multiple sources of income, including base salary, stock options, and sign on bonuses. I am willing to prove that the number I put on the application is correct. In addition, credit pulls were made to my identity for this account that was involuntary closed within a month. 

Upon reading online, I have also seen that other customers have faced similar scenarios where they had their accounts suspiciously closed right before or shortly after they were owed the welcome bonus miles. In these situations, Capital One never had to provide monetary compensation for these rewards, which is predatory to the customer. A class action lawsuit may be appropriate in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: MS

Complaint narrative:
XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX has lied to myself and the cfpb about receiving a credit application from XXXX XXXX in XXXX XXXX XXXX I now have evidence from the dealership in question and other banks stating that they can not provide a copy of the credit application. now I have evidence of XXXX XXXX XXXX in letterhead lying. if the cfpb allows this company to lie again, I will go the attorney generals office.

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 2023-04-25 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called regional acceptance corporation after the collection agency called about settling the debt for the amount shown i the letter send to me. they picked up the phone once and never again. I took the settlement paid it off and the the account had not been reported as settled to the credit bureau. I would love for the right information to be report it and fix on my credit report..

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX is reporting two separate conflicting accounts on my XXXX, XXXX, and TransUnion credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX  I called XXXX on the phone number listed on my credit reports for both XXXX  accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX account in the past with XXXX, TransUnion, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX, XXXX, XXXX, and TransUnion are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, TransUnion, and XXXX credit reports immediately. I have attached a copy of my credit reports with both XXXX accounts listed.

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 2023-04-25 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: MD

Complaint narrative:
XXXX is reporting two separate conflicting accounts on my Experian, XXXX, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX I called Milestone on the phone number listed on my credit reports for both Milestone accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX account in the past with Experian, XXXX, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX Experian, XXXX, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my Experian, XXXX, and XXXX credit reports immediately. I have attached a copy of my credit reports with both XXXX accounts listed.

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 2023-04-25 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: MN

Complaint narrative:
I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore XXXX, Transunion, and XXXX are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to XXXX, XXXX, or Transunion to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to file a claim against Wells Fargo based on an unauthorized charge that appeared on my account ending in XXXX on XX/XX/XXXX. The charge in question is for {$300.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and it also included an international purchase fee of {$9.00}. 

I immediately reported this unauthorized charge and filed a claim with Wells Fargo. However, on XX/XX/XXXX, I called to check the status of my claim, and I was informed that it had been denied because the system detected that it was not fraud. I escalated the issue to senior management, explaining that I had never heard of the company in question, and that it was not even searchable on XXXX. Therefore, it was clear that it was a scam. I also questioned how the bank could approve an international charge without verifying it with me first. 

In addition, Wells Fargo suggested that I try calling the company to get my money back, even though it was clear that the charge was unauthorized and fraudulent. 

The response I received from Wells Fargo was unsatisfactory. They could not provide any details about the merchant or how the system determined that it was not fraud. This is unacceptable, as it is clear that the charge was unauthorized and fraudulent. 

I am requesting that Wells Fargo refund the unauthorized charge of {$300.00} and the international purchase fee of {$9.00}. I also request that the bank conduct a thorough investigation into this matter and take steps to prevent such unauthorized charges from occurring in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXX XXXX  XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2023-04-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2023-04-25 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act Affirm 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 a open end consumer credit plan as late for XXXX purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: MD

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 LVNV FUNDING LLC15 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 2023-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
there are several inquiries on my report not done by me all fraud

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 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
The interest rate that I am being charged is well above the industry standard and is causing me a great deal of financial strain and stress. The company is Santander Consumer USA , INC. In 2021, I spoke to these people about the outrageous interest rate charge, but they did not care and would repossess the vehicle if not paid. We had to pay because my husband needed his vehicle for work and it was a struggle every month. We were barely getting by and then my husband is now fighting XXXX and we notified them again about high interest rate and that the vehicle is for my husband to attend physician visits and more but every month the bill comes the balance of $ XXXX does not go down. With payments of {$880.00}, {$180.00} goes to the principle and {$690.00} goes to interest, we will never see it go down. We have so much to deal with regarding my husband 's illness and I am his wife, support system, caretaker, and handling all household duties, chores, and looking and writing for resources and I am about at a breaking point. This company is heartless and is quite ugly when they are on the phone. They agreed to give us 2 months break in our payments but said that will just be applied the end payment for XXXX and XXXX of this year but are not willing to extend anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On. A letter dated XX/XX/23 from Equifax it states they are unable to locate a credit file for me. How is this possible if they verified the following accounts as correct? 
This means they did not do an accurate and full investigation into my disputes and still reported them as accurate. 

These are the accounts they verified as accurate without doing an investigation : 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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.

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