vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: UT

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: UT

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX  XXXX XXXX XXXX., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-06-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, the amount of {$4000.00}. from XX/XX/2018 until XXXX XXXX has violated my rights. I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report.

15U.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't 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 2022-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
NetCredit was NOT licensed to do business in Virginia ( where I reside ) Therefore, in accordance with VA law, my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law and offered a loan with an illegal interest rate. I have sent emails to them, as well as replied to multiple emails from them, explaining that the Commonwealth of Virginia sued them and WON, because they were found guilty of illegal loans and violating the laws here, therefore making my loan null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I was a customer using PayPal for my business for a long time, two days ago they asked me for a business address document for a spending limit upgrade which I provided, I was using this account for over 2 years without any violations or troubles. Suddenly today without any notification I get my account closed permanently with my money in it and my bank cars and some of my business payments on my way to the account, all of them stuck now. please help me to restore this account and continue the business.i think this was a mistake Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Dear CFPB, I spoke with XXXX at Capital One ( Employee ID # XXXX ) on XX/XX/XXXX who was unable to resolve my issue. 

I am writing in response to my credit card accounts that were closed in XXXX. Before my accounts were closed, a Capital One representative promised that I would be able to redeem my rewards at any time and that I had nothing to worry about. However, when I called in the redeem the rewards, I was not allowed to do so. I attempted to redeem my rewards online and that failed too. 

I had {$4700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$3500.00}. 

I had {$2700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$1300.00}. 

Because I was unable to redeem my rewards to pay my balance due, CapitalOne pushed my accounts into over due status. CapitalOne charged me interest on both of my accounts amounting to hundreds of dollars for late payment. 

I was charged {$290.00} in interest on my card ending in XXXX. 
I was charged {$140.00} in interest on my card ending in XXXX. 

In short, CapitalOne broke its promise to me as a customer. Capital One seized my no-hassle rewards. This pushed my card balances into late payment status. And Capital charged me interest that it had no right to charge me. 

I had no choice but to pay the balance and the unearned interest, because CapitalOne threatened to report me to the credit agency. 

As a XXXX XXXX XXXX and a XXXX  without easy access to credit, I feel I have been taken advantage of. CapitalOne is a bank run by a privileged XXXX  male, who took advantage of me and abused his power to turn a profit and broke its promise to me as a customer. 

I would like CapitalOne to honor its promise to me and send me the rewards cash in the amount of {$7500.00} plus refund me the {$430.00} interest that CapitalOne charged me that CapitalOne were not entitled to. 

I have attached screenshots of the final account balance and rewards cash of each account. I have also attached statements showing the monthly interest charged to me to which Capital One was not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Hello, This account that I am disputing, XXXX has been on my report before and I went through the credit bureaus, and they could not find anything tying me to this debt and it was deleted back in XXXX. A few months ago, I was contacted by the same company, and I told them to contact me by mail. They contacted me by email on XX/XX/XXXX and I wrote them back XX/XX/XXXX asking them to provide proof that I have this debt. They never provided proof and just added this to credit report. I have proof showing that I contacted XXXX during the 30 days for them to provide how I am tied to this debt. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been trying to log into my account and call Comenity Bank to pay my bill for several days. Can't contact them at alI ( phones ine, went on XXXX to contact someone about the general issue I have been having, so many others having the same issue. If I can not pay my bill, I should not have to pay any late fees. 
Thank you for your time. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: CA

Complaint narrative:
Victorias Secret store card Multiple attempts to call in to submit a payment Trying to activate card/ create account to pay online It says info is not found and I have no plausible way of submitting a payment. 
Their system has been down for scheduled maintenances but we never received a notification. 
They are not taking payment by phone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, I received an offer from Chase Slate credit card for 10.24 % interest rate. In XXXX of XXXX, they informed me " We are changing Annual Percentage rates because your APRS are below the lowest APPS we currently offer.. '' In essence going from 10.24 % to 16.24 %. It stated any transaction made after XX/XX/XXXX will be that. And it said I have the right to call and reject which I did. They closed my account then, and I continued to pay 10.24 % on the balance. Now, after four years, they are raising it every month. I have paid it down to {$4800.00} {$12000.00}. I called XX/XX/XXXX to complain talked to Supervisor XXXX. He said he has no control and won't fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX. Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A.States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It 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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank has been " performing scheduled maintenance '' for over a week without allowing me access to my account. When I call they say the office is closed and hang up. When I try to contact them via " secure message '' on their website it redirects me to log in to send the message and guess what? Since they are having maintenance, it won't let me log in to even message them. I do not feel comfortable having an open credit line with a company that conducts itself in this way. I do not feel that my information is safe and have zero idea what is going on with my own account since I have no access. I have requested my account be closed via their XXXX page as this is the only way to get a message to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
on XX/XX/22 I mailed a letter to congress collection for debt validation and they responded by sending me a bill. Nothing else to verify that i owe them this debt to them or anything bearing my signature. I mailed another on XX/XX/22 letting them know that by sending me a bill and nothing else to prove that i owe them for this bill, but they never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a business checking account and never received the debit card from Wells Fargo. I received emails that my card had been declined so once I called I found out my account was being used without my knowledge or permission. I called XXXX XXXX who would only give me an incident number and said Wells Fargo would investigate. However I have been getting the run-around with no solution and still no ability to use my business checking account. Wells Fargo has also been nothing short of unprofessional and grueling to deal with. I have documentation to support my claims. need help please

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 2022-06-28 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: GA

Complaint narrative:
All of the accounts listed below are all fraudulent accounts and inquiries being reported on my Experian credit report and reporting fraudulent accounts is against the law. And this is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus Admin 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 2022-06-28 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: VA

Complaint narrative:
I have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act XXXX All of these accounts have 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 Section 2 : It also states 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 2022-06-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 non-monetary relief
Consumer complaint received 2022-06-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as 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 non-monetary relief