vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: NV

Complaint narrative:
Hello, after carefully reviewing my consumer report i have realized that according to The Fair Credit Reporting Act 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) states " the term consumer report does not contain information in regards to sensitive details such as transactions and or experience between the consumer and the person making the report. '' and as i realized that late payments are a form of transactions, and Utilization is a form of experience created by credit usage. i have realized that a few of my consumer rights have been violated. 

XXXX, XXXX, Experian are all listing a late payment from ( XXXX XXXX XXXX XXXXXXXX XXXX  XXXX as well as reporting credit usage for all of my credit card accounts which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Usage/ Utilization are a form of Experience as a byproduct of credit usage, AND late payments are a form of transactions. 

USC subsect 1681b ( a ) ( 2 ) says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it related. from what i understand i have never gave XXXX, Experian, XXXX XXXX any kind of written instruction to report any late payments or any sort of usage, any transactions or any experiance created by credit usage on my consumer report. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose says, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and it also says the banking system is dependent upon fair and accurate credit reporting. INACCURATE credit reports directly impair the strength and honesty of the banking system. and ANY unfair credit reporting ruins public trust and confidence in the banks which directly affects banks negatively. 

MY PRIVACY HAS BEEN VIOLATED and nothing about any of these transactions or experience reported by these 3 companies ( EXPERIEAN, XXXX, XXXX ) is a form of violation to my consumer rights.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report with the account I have with Experian and noticed that an inquiry from XXXX XXXX XXXX that is not mine was listed. I tried to contact Experian several times however, once I get an agent on the line the call mysteriously disconnects or drops while on the phone with said agent. After hours and days of attempting to contact Experian, I am left with no choice but to file a complaint through your agency. 

Experian has a false inquiry on my credit report, and I need an explanation as to how this is on my credit profile or a removal. 

My following rights have been violated. 

1. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( 1 ) 2. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( 4 ) 3. ) 602. [ 15 U.S.C. 1681 ] ( a ) ( b ) 4. ) 603. [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( i ) 5. ) 603. [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( ii ) 6. ) 604. [ 15 U.S.C. 1681b ] ( a ) ( 2 ) 7. ) 604. [ 15 U.S.C. 1681b ] ( c ) ( 1 ) ( a ) 8. ) 607. [ 15 U.S.C. 1681e ] ( a ) 9. ) 607. [ 15 U.S.C. 1681e ] ( b ) 10. ) 607. [ 15 U.S.C. 1681e ] ( d ) ( 1 ) ( A ) ( B ) 11. ) 619. [ 15 U.S.C. 1681q ] 12. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 13. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) ( i ) 14. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) ( ii ) 15. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 5 ) ( A ) 16. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 7 ) ( A ) ( i ) 17. ) 619. [ 15 U.S.C. 1681s-2 ] ( a ) ( 7 ) ( B ) ( i ) Attached is proof Experian has XXXX as an inquiry on my credit and proof of identity.

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 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX on several occasions to obtain a receipt of payment for a debt with Synchrony Bank. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. 

I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. 

I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.

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 2022-09-19 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: IL

Complaint narrative:
They solicited me for a $ XXXX line of credit card, with XXXX XXXX cash back if I spent $ XXXX in XXXX months. I joined, went to use card for a large purchase, denied it, said I had to build up a spending history. So how do you spend XXXX in XXXX  months? Impossible. Closed account. Account was setup as estatement and autopay/full balance. Never received one statement, assumed paid in full. Notified by XXXX  they filed a past due report on me after XXXX months. No statements, no call, nothing. They acknowledge external account for Autopay says too bad I didn't get statements. Offered to send them email and spam logs to prove no statements sent, didn't care. Would not do anything to rectify report. 
I also never received an email acknowledgement of my final payment, which I made earlier today, confirmation XXXX I do not have the full account number as I destroyed cards when I closed account, I have included most recent statement which I ws able to retrieve off line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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
State: OR

Complaint narrative:
I am filing a complaint against Venmo because they have frozen my account on their platform due to " security concern '' about 14 days ago. I confirmed with Venmo via email, and phone multiple times that the transactions were ones that I was attempting to make and they confirmed the transactions that caused the freeze. The transactions that triggered my account to be frozen were one transaction that happens monthly ( same amount, same time, same person ) and the second was payment to a Venmo approved business. When speaking with a representative on the phone they agreed that these transactions should not have resulted in my account being frozen. 
I have no ability to remedy this situation and continue to be told that some one will reach out to help me solve this issue, still waiting for that to happen. 
Venmo offers no other solutions for this issue other than to wait, initially I was told this would happen with in a few days, then on the next call I was told 7 days, it was not until the 3rd call that I was told it can take up to 3 weeks. 
This wait time does not make sense if I, the account holder, can verify the transactions as my own and verify my identity. My bank is able to handle similar issues with in 24 hours. A company that has been operating for 13 years and grossed over {$850.00} XXXX last year alone should maybe invest more in the actual customers ability to utilize the platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I banked with Bank of America years no problems at all years I lost my card didnt know i lost it untill like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXX XXXX I would never write bad checks in my account never I have a business and family to support

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 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX I got a Credit card with a {$500.00} limit from Capital One bank when I came home from prison in 4th Quarter of XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous XXXX 19 % interest on their janky credit card. I never paid them again and told them XXXX YA 'LL close this account with that XXXX! 
It's XXXX and Capital One Bank now has a third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my daughter was born. My child is now XXXX XXXX XXXX. 
Capital One Bank has sold my petty debt 12 times since I told them to XXXX off with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : 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 Originator XXXX XXXX The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy 8 years ago and this debt is over XXXX XXXX XXXX. Moreover, I did not enter into any written agreement with any of the 12 private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. Period. 

https : XXXX Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! Shalom Truly, XXXX XXXX XXXX # MrXXXXYourFeelings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022... 
The credit bureaus stated the following accounts were properly investigated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported in not accurate? This is grounds for removal. 

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish any of these accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: PA

Complaint narrative:
As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached ; Inquiries/accounts ; INQUIRIES ; 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 I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached 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 I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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
State: GA

Complaint narrative:
I started a Venmo account at the request of my teenage children, this is where I went wrong. Upon my son sending me money for repayment of his insurance, my account was immediately frozen. I have tried to email with Venmo for almost 2 months now, and seem to be no closer in having the funds released than I was the day this nightmare started. They refuse to pick up the phone and call me, although I have requested it in almost every email I have sent. We tried to dispute the charge with our bank, as it seemed very fraudulent of Venmo ( a company I have no history with ). They somehow won the dispute, and here I am still without the money. This started around XX/XX/2022 and the amount was for {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX. Founder, President and CEO Cross Country Mortgage XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/2022 Re : Cross Country Loan Number XXXX Dear Sir- Please find enclosed approximately 40 pages of documentation that we have provided to your company in order to release our balance of {$7800.00} in insurance payments to us for the repair of flooding to our home. We have attempted to collect this amount from your company on multiple occasions since last May. We have continued to address newly generated information requests as they seem to occur to your Loss Draft department. I did not include the documentation we generated for your assigned appraiser who opted to take our pictures in lieu of visiting the residence. 

As of XX/XX/XXXX, your Loss Draft department has not refunded our money and can not tell us what additional information needs to be provided. Rather, she told us we have insufficient documentation but without any explanation as to what that means. Instead, she transferred me to her supervisor for whom I left a voicemail. Consistent with your poor service, I have not received a return call. 

We purchased our loan through XXXX. Typically I think XXXX does a good job of connecting its members with reputable vendors. In this case, I am copying XXXX so that they are aware of your poor performance. 

I would like a response with ALL your documentation needs, Stop kicking the can down the road while sitting on my money. 

Sincerely, XXXX and XXXX XXXX XXXX # XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Consumer Financial Protection Bureau ( via online complaint form ) XXXX XXXX XXXX  ( via online complaint form ) California Department of Financial Protection and Innovation ( via online compliant form )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TN

Complaint narrative:
All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX says is nowhere to be found. Experian refuses to allow you past the automated operator. XXXX refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.

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 2022-09-19 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XXXX of this year, I filed a fraud claim with Bank of America due to some fraud that occurred on my account. I was defrauded by a guy named XXXX XXXX who was given temporary access to the account to set up a payment to my card from his checking account, due to some funds he owed me. I noticed that after the payments were made, ( around XX/XX/XXXX ) there were several different amounts that this person transferred off of my credit card into his own personal checking accounts. On XX/XX/2022, he transferred {$5500.00} into his checking account. On XX/XX/2022, he transferred {$5800.00} into another checking account, and on XX/XX/XXXX, {$100.00} was charged to my card without my permission. On XX/XX/XXXX, {$3800.00} was transferred off of my credit card, into a separate account. Lastly, all of the payments this person previously made to my card, reversed later on!! I reached out to BOA, and informed them of this activity, and initially I was given several provisional credits, but as time passed, they took those back, and denied my claim, several times. On top of that, my balance increased tremendously since I filed my claim. It jumped from XXXX XXXX some odd dollars to over XXXX XXXX XXXX XXXX. What is ridiculous is the fact that the bank knows I have been a loyal customer for 16 years, and have had a stellar payment history with them. So now that I am a victim of fraud, they have left me high and dry, and have not erased XXXX XXXX  worth of this fraudulent debt. I was expecting some help from them, but they have provided none!! I have provided a copy of my police report to the bank, and have been completely honest with them. I don't understand why they want me to eat all of this fraudulent debt, considering I have been a good customer for over 16 years.

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