vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
Experian and XXXX are continuing to report inaccurate information on my credit report. I've tried to fix an error many times, but this request has fallen on deaf ears. On XX/XX/, I sent dispute letters to the above credit reporting agencies informing them that the account ATTORNEY GENERALXXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. XXXX is also reporting the wrong balance. How does this meet FCRA requirements? XXXX is the only credit bureau that investigated the account and updated it. I will attach the credit report showing the inconsistent information. The late payment should be deleted immediately because I was never late, and because your information does not match, and I can take this to small claims court but at this time I am only asking for the account to be updated.

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 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
American Express has provided my work address to two different debt collectors. 

XXXX XXXX XXXX, is the second debt collector that has sent mail to my place of business concerning a debt from American Express. The mailing is attached. 

On both occasions, the person that receives the mail sent to that address opened the mail, not knowing that it was personal mail. 

I have never given American Express this address as a method of contact for me. 

I contacted American Express on XX/XX/2023, around XXXX a.m. central time, to inquire about the address and to inquire about the status of my accounts. I wanted to know if my accounts had been sold to a debt collector or placed with a debt collector for collection purposes. I was not given a direct answer to those questions. The American Express representative told me that another " Team '' was handling my accounts. 

I learned from a previous complaint filed against, XXXX XXXX XXXX, that the address was obtained from American Express. The response letter from XXXX XXXX XXXX, stating that the address was obtained from American Express is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: GA

Complaint narrative:
Re : XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, 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 is 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 open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
Although I have already submitted my initial complaint, due to Cashapps negligence on securing my account and funds as promised, and already having been denied, I am now receiving a number of emails, with misinformation and no solid resolution to my claim. Although I was already denied and my case was closed on Friday XX/XX/XXXX ( less than 24 hours after the case was opened, I am now receiving emails, stating that cashapps determination was verified that my account was definitely compromised, and that my account had been secured. First one was on XXXX XX/XX/XXXX stating they determined my account was compromised and would secure it. ( 8 days later from when I called in to report my information had been changed ) Then a second email on XXXX  as well XX/XX/XXXX, stating that a investigation had been started? A second time??? ( original investigation started XX/XX/XXXX, got denied and closed XX/XX/XXXX ) and on XXXX XX/XX/XXXX the final determination of NOT finding any suspicious activity and closing my case, yet again. 

So my issue here is the mixed information Im receiving, the acknowledgment from cashapp that they determined I WAS compromised, but still found no issues. There is a lot of discrepancies in this entire matter. It seems to me that no one is on board with the same information, with a extreme lack of identifying suspicious activity, or any compassion for their clients losses and private information being exposed. I need a resolution and only ask to be returned what was stolen from me. I will attach all the new emails. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My PayPal account is under email XXXX I opened a PayPal account on a roll XXXX. And then was asked to submit documents, which were my bank statement, proof of address and ID or passport submitted. Then I received a message saying that they had to send the review to the back office team for further review then on XXXX XXXX they told me my account was permanently limited and I was no longer to use PayPal and I could not use my balance for 180 days because they needed to put it on hold in case of charge back or anything like that on the account. The only issue is I dont use that account to sell anything. Im not a seller Im not a business account. I have literally two transactions on there one being a purchase on the Internet and the second is {$100.00} sent to me friends and family from somebody I know. Then they wont tell me the reason because they cant even see the reason why I am not allowed to use PayPal and how is it OK for them to just decide that theyre going to keep my money for 180 days I dont know about that but I need all the money I can get and thats my money and I dont know how they can keep it for that long as a long time if you ask me and so theyre pretty a big me if you ask me. I could see them holding it in fear of a chargeback or anything like that if I was using it as a business account or as a seller account but that is my own personal PayPal like I said Ive done two transactions total on that PayPal its not gon na get charged back I promise you that because one its my friend and two its pretty impossible with PayPal to charge back a transaction set with friends and family, unless they issue with their bank but like I said its my friend hes not gon na do that and its not their money, so why can they hold it and just sit there and collect interest on it because thats what I heard they do and why they hold money all the time and do whatever they think they want Anyways, I need to withdraw my money now its my money I need it I dont care what they say even really they need to give me my money or I will go further with legal action even if its only XXXX bucks its just not right to do to somebody for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: MD

Complaint narrative:
Last month I applied online for a Capitol One Savor credit card and was instantly approved. I used the card for one month. When setting up online bill payment to pay my first bill, and after linking my personal checking account to Capitol One 's portal, I discovered that a fraudulent cellphone number was pre-populated into my account and made primary. Unbeknownst to me, Capitol One said that in 2020 a fraudulent application was made in my name for a XXXX 's credit card, and was denied. However Capitol One migrated this fraudulent cellphone number into my new account, and set it as primary - meaning that it would be the one used to make all changes to my new, non-fraudulent account. I was unable to delete it myself. Ultimately Capitol One deleted the fraudulent number. However my complaint relates to the process that allowed this to happen. I request that this agency follow up with Capitol One to ensure this process is changed, as this automatic upload of a fraudulent cellphone number put my personal and financial info in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: NY

Complaint narrative:
Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of Education/XXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have been attempting to deal with Equifax since XXXX XXXX XXXX. I was locked out of my online account, being charged monthly for a service I could not access due to being locked out. Finally, I called Equifax and on the 5th attempt I did reach a customer service person who reported that they cancelled the service but I got no refund for the 6 months I was not able to access my account. One year later, still not able to access my credit report sent multiple dispute letters to Equifax, no response, called on the XXXX try reached a customer service person who said I would be getting an email within XXXX ( XXXX ) days to resolve being locked out of account. I never received it. I have over 35 hard inquiries on my credit report that were initiated without my consent, again customer service refused to help stating I needed to contact each business individually, even though I had done that, still refusal to assist. Today I attempted to log back into my account, I am attaching screen shots. Both XXXX and XXXX reflect at least XXXX pts higher, while Equifax will not cooperate or acknowledge even my existence. I am sending a certified letter with Intent to Sue. TWO YEARS and definitely experienced $ $ $ $ $ thousands of loss due to high risk financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
Enhanced recovery compan keep calling me from multiple number about a XXXX XXXX account of {$690.00} that I see on my credit report but I do not have any knowledge of this account. I would like for this company to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
ACCOUNT NAME - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT #  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian continues to disregard my requests and also disputes. I called and spoke with several agents until i got to the fruad department and she said her name was XXXX and that was it. I asked for her employee number or ID but she declined but then spoke about that they will not put in another dispute or remove none of the XXXX XXXX Accounts that are reporting on my credit file as charge offs and sold to another debt collector. When i spoke about my consumer right and they information what is reporting inaccurate she then spoke and still said that whatever i disputed and came back verified that is accurate an what the creditors said but im like thats hearsay and I sent document asking for proof of verifation methods but they ignored my letters but say my account or verified

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 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My card was stolen or lost. I dont recognize many charges. The charges that I dont recognize triggered over {$140.00} in overdraft fees. Ive been with this bank for many many years, cant believe Im being treated this way. Additionally citizens Bank is supposed to not allow any purchases if the account goes below XXXX. However, they continued to allow the card to be used even though the account was in the XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Amsher Collection Serv @ XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( the erroneous debt was sold to them by XXXX  ) threatened me and refused to work with me to resolve a debt that was paid in full and erroneously applied to my credit report as a collection. 

When trying to resolve it I was hung up on, place on hold multiple times, aggressive tactics were used to force me to accept a debt that I knew was never valid in the first placed, and then threatened with suit for attempting to seek resolution. On top of that I was lied to ( on a recorded line ) when they told me multiple times that I would get an email that shows me the charges and validates them. 

These are some of the rudest, most inconsiderate, aggressive, and I'd say they are at a bare minimum committing malpractice as a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 a XXXX XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
They're reporting me as late even though I'm not so please look at the attached documents for further information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
They're reporting me as late even though I'm not so please look at the attached documents for further information regarding this.

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 2023-04-20 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: CBC Companies, Inc.
State: LA

Complaint narrative:
Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. XXXX AND XXXX benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CL Holdings LLC
State: LA

Complaint narrative:
Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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 A 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 2023-04-20 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: AL

Complaint narrative:
FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama  stated in the letter provided that they do no report or verify to the credit bureau.

Company response to consumer: Closed with explanation