vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX, XXXX and Experian are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX This account was disputed by me, the referenced consumer, directly with XXXX XXXX XXXX XXXX and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XXXX XXXX XXXX and never validated. Proof of mailing will be attached to this complaint.

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 2023-12-23 00:00:00
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX states they can not furnish an account without XXXX  instructions. 
XXXX XXXX XXXX XXXX creditor may not treat a payment on a credit card account under an open end consumer credit plan as XXXX  for XXXX  purpose in accordance to the fair reporting this creditor has violated my rights This late payment should not be on there XXXX clearly explained to the creditor that XXXX XXXX having XXXX  and they know this and gave XXXXe a grace. I also had gotten COVID at the time and was not employed which I expressed. Also on XXXX  XXXX  report it is showing that the late payment was on XXXX, but on another XXXX  it shows I payed XXXX and it was late on XXXX there is a miss match there as well.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
For XXXX and XXXX it's shows that the account is past due 60 days in the amount of over {$1500.00} in which the vehicle was totaled in XX/XX/2023. I've disputed over and over to be told it's correct. XXXX XXXX paid over {$23000.00} on the account in XXXX didn't reflect on my credit at all, then XXXX paid the reminder in XXXX in the amount of over {$9000.00} yet it XXXX and this account is still negatively affecting my credit. My scores had dropped drastically and something has to be done immediately. I've worked hard to get and try to keep my credit good, I was planning to purchase a home before this incident in XXXX. This is ONLY thing that's affecting my credit.

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 2023-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: HI

Complaint narrative:
I have auto pay set up, but every time my payments are due it looks like its being processed and then the payment is reversed without my knowledge. I called my bank to check if there are any blocks with my account, and they do not have any blocks that would cause issues with making my loan payments. I have not been able to get in touch with EdFinancial to figure out why my payments have been reversed over the past 3 months, causing me to have missed and overdue payments when that should not be the case. I have auto pay set up, and my bank says there is no blocks on their end that would cause any issues with making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. However, as of today  Equifax and XXXX haven't updated my account with the correct balance. They are still showing an incorrect balance, which is affecting my credit score and ability to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I paid the balance and the credit card charged me two weeks later with more interest on a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company scammed customer. Bought tickets from a company and was allowed entry with 1 hour left because it was oversold. Stage was not built like the advertisement so it was false advertising. Because they failed inspection it was late too. Also because they denied entry people broke the barriers and ran through the barriers causing a safety hazard. 
These are everything XXXX had but still happened : XXXX XXXX had all the necessary equipment, materials, supplies, suppliers, vendors, labor and personnel to handle all the maintenance, construction, and build out for XXXX XXXX design and infrastructure like the stages, seating, bathrooms, and concessions, XXXX XXXX would pass all inspections and tests done by the City and other agencies or regulators ; XXXX XXXX would receive all the necessary permits and approvals by government agencies and other authorities to take place as scheduled ; XXXX XXXX would not be oversold or exceed capacity ; XXXX XXXX capacity and crown control would not violate, and comply at all times with, XXXX XXXX  XXXX fire codes and other capacity and safety rules and regulations applicable to XXXX XXXX concerts or festivals ; that everyone with a valid ticket would be able to attend and/or access XXXX XXXX XXXX and XXXX had oversold their shows. '' Also added a bunch of links to showcase what went wrong XXXX XXXX XXXX https : XXXX https : XXXXXXXX and https : XXXX https : XXXX https : 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
15 U.S.C 1681 section 602A 15 U.S.C 1681 section 604A section 2 states they can not furnish an account without my instructions.

15 USC 166B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose in accordance to the fair reporting this creditor has violated my rights This late payment should not be on there I clearly explained to the creditor that I am having hardship and they know this and gave me a grace. I also had gotten XXXX at the time and was not employed which I expressed. Also on my credit report it is showing that the late payment was on XXXX, but on another one it shows I payed XXXX and it was late on XXXXSo there is a miss match there as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX  XX/XX/XXXX, I received a Capital One XXXX XXXX XXXX I never applied for this card. I immediately called the company and told them that I never applied for a card but received one. They told me I can give them some information of mine so they can further investigate the claim and closed the account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following inquiries must be removed according to the 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XX/XX/23 XXXX OF XXXX XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXXXX/XX/23, XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 These inquiries are not authorized and must be removed from 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 explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NCP Holdings, L.P.
State: IN

Complaint narrative:
In XX/XX/2022, I was approved for a loan with Quickcredit ( aka XXXX ) for {$900.00} The total cost of this loan was well over $ XXXX dolllars. Despite making payments faithfully from XXXX to XXXX, I noticed the balance kept growing. In that time, I had to stave off the ever growing balance by refinancing and extending numerous times. 

This is an extortion. The company has made enough $ on fees, late fees, origination costs, ungodly interest. I as going nowhere quickly and had to stop. 

Im not a bad person, but this was a vicious cycle that sucked me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I was a victim of identity theft in XXXX i have filed police reports and fraud charges with the credit bureau i am at amscott trying for a loan and was told in XXXX of may i got a loan for XXXX i didn't ever get a loan from XXXX im just learning about this XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries violate 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Please remove it immediately, i did not consent in written or verbal form to these inquiries

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have diligently corresponded with Equifax, XXXX, and XXXX, highlighting numerous inaccuracies in my consumer credit profile, including erroneous late payment reports. XXXX and Equifax is reporting inaccurate payment history to my consumer report. XXXX is not reporting the same information that XXXX and Equifax is reporting inaccurate concerning a XXXX XXXX XXXX XXXX. This account is paid off in full and no late payments should be reporting to my consumer credit profile concerning this account. Below I have attached documents as proof. 

Under the Fair Credit Reporting Act ( FCRA ), explicitly outlined in 15 USC 1681, consumer reporting agencies are mandated to handle their responsibilities with fairness, impartiality, and profound respect for consumer privacy. As a consumer, I am inherently entitled to safeguard my private information, a right supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that Equifax, XXXX, and XXXX, as the Furnishers of information to credit agencies, have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 

Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law. 

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. Equifax, XXXX, and XXXX should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. Reporting transaction history without permissible purpose is illegal per this code.

Lastly, 15 USC 1681 ( c ) states that no adverse items, besides the conviction of CRIMES, should be on the consumer credit profile, and any item that is a derogatory mark is not allowed into the consumer reports. This is a violation, and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2023 I received a phone call from this number XXXX and was coerced through the use of legal threats by an individual posing as a Texas police officer into transferring money from my bank account into multiple individuals other accounts via XXXX. There was an elaborate story involving solicitation of minor via online dating website and property damage. I was directed to speak with phony parents that eventually offered the opportunity to resolve the matter without pressing charges. I was told I could avoid extradition and criminal proceedings if I payed for a XXXX laptop that had been destroyed during the concocted incident. I was offered multiple options to pay and ultimately ended up using XXXX initially to make one XXXX payment, then a XXXX dollar payment through XXXX. After this I was then told I was going to be charged for various legal fees including payments for keeping my record clear from any wrongdoing this would total in the amount of XXXX dollars which was again paid with XXXX. 
On the morning of XX/XX/2023 I started receiving texts from the same number I had initially received a call from XXXX that payments from the night before had been put on hold and that I need to attempt again. I was texted repeatedly and aggressively in order to get money transferred or else warrants would be issued soon. 
This is when I contacted other individuals and quickly found out these were not real people and it was all an elaborate money scheme

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 2023-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: SD

Complaint narrative:
I have screenshots with the apartment, XXXX XXXX XXXX discussing the LAST payment being made on the account of {$310.00} and paying them as I was moving out. This collections account should never have existed, and has since been paid in full. 
For some reason they came to me only with this payment and not my two other roommates which I had found really weird but paid it anyways to be done with. 
After a couple of weeks, I got a call from Aldous & Associates that I owed at FIRST claiming {$310.00}. I had responded to them explaining that I paid that amount in full to XXXX XXXX and they threatened me saying that if I didnt pay it, it would effect my credit score and they would come at me and hung up on me mid conversation. 
After that phone call, I tried to call them again later on to try and get someone else on the phone and had the same reaction with the person hanging up on me. 
They sent me two emails in the same day XXXX  saying I owed them a FIRST amount of {$1600.00} and then a second email saying I owed {$310.00} and that if I dont pay it, itll effect my credit score. 
At that time I had tried to call XXXX XXXX to ask what was happening as we had settled the account, their response was along the lines of, Sorry your account has passed over to Aldous so we can no longer look into it. 
Ive been trying to dispute it through my credit bureau but havent heard back. 
I just would like this off my credit score as I have paid it in full and have the email conversations between XXXX XXXX proving that I paid the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX XXXX, on XX/XX/XXXX. 

I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from Crown Asset Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Department of Education reporting inaccurately on my credit report which they didn't have my consent also all the information on all three reports have different information like addresses and phone numbers.

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