vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One to help me figure out my points in my credit bureau. The only reason why I have a negative points on my credit bureu is because capitals ones customers service center in XXXX XXXX offered a credit card to me, which he said it would be monthly payments. An emergency came I used an amount of XXXX dollars when I tried paying my monthly they told me that I have to pay that XXXX in full, that is not the agreement I agreed to get the credit card. capital one called and said that I have to pay the full amount so at that time I couldnt make full payment and they put a bad point on my credit bureu their customer service lied to me to just to get me to sigh.when I confront capital one customer service said there isnt any notes how they explained to me about the monthly payments, I called back, I feel very unheard and hurt by the way, Capital one has treating me being that I am cooperating to pay the full amor of XXXX. I called one last time and they want to, be very aggressive with theyre speaking. They said they dont participate in figuring out a solution. They did not give me any options to figure something out. I tried working with them. I tried understanding what youre the agent was saying and it all does not make sense. I spoke to XXXX # XXXX she said I could not speak to anyone else she was in the highest position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past XXXX 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The prior complaint should not have been closed and is unresolved. The company reactivated this card but it is not redeemable and these Amex gidtcards are useless. I need a ful refund in cash payment not this card that I can't use anywhere. I've since tried to use it today and yesterday on XXXX. on XXXX. On XXXX On XXXX on XXXX. XXXX XXXX. Other retailers. The card isn't redeemable anywhere and this company should be sued and held liable there response and solution was not accepted by me and the prior complaint was closed prematurely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have Credit Inquiries on My Credit Report that I am not familiar with, nor did I authorize. 
XXXX - XX/XX/XXXX, XXXX XXXX Bank ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( FINANCE ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX Bank XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX ( mISCELLANEOUS ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX HOTEL AND TRAVEL XX/XX/XXXX XXXX XXXX XXXX XXXX ( BANK XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: DataMax Corporation
State: NC

Complaint narrative:
According to the FCRA this company DATAMAX CORP needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX RE : 3 Credit Bureau Accounts and Experian, XXXX, XXXX Source XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX This letter is being sent to you in response to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligations to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with any copies of any papers that show I agreed to pay you what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you if your offices have reported invalidated information to any of the XXXX major Credit Bureaus. ( Experian, XXXX, XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following. 
Violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character. 
If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time ALL Collection activities must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. 
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 2023-06-16 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: FL

Complaint narrative:
Experian has not conducted their own verification of this information as required when requested by me. I am requesting that they certify to me that this information has be verified by them and not these 4 companies.

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 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: NY

Complaint narrative:
On XX/XX/2023 I received notification from all XXXX XXXX Credit Bureaus of a new collection account added to my XXXX Credit Report. I immediately contacted the debt collector that reported this collection account, Vance & Huffman XXXX XXXX XXXX, XXXX XXXX on XX/XX/2023 and requested to speak with a Supervisor as I was not making any progress speaking with a Customer Service Rep. I was subsequently connected to XXXX XXXX XXXX. I advised XXXX, that I never received any documentation pertaining to this collection account prior to Vance & Huffman reporting this debt to XXXX. I informed XXXX that my rights according to the provisions of the FCRA were violated. I asked XXXX where did the Notice of XXXX letter go which was to provide me 30 days to respond, pay or dispute. I asked XXXX for the copy of the collection notice to be sent to my email proving they did not violate my rights. I asked for the ORIGINAL COPY of the collection letter, to show where in fact this letter was mailed, and more importantly WHEN they mailed the letter which should show a date prior to the date they reported the collection account to XXXX CREDIT BUREAU. When I received the Notice of Collection letter, not only was the letter mailed to an address not associated with me ; the mailing date of the letter was AFTER THE DATE OF THE REPORTING OF THE COLLECTION ITEM TO MY XXXX CREDIT FILE. As stated previously, Vance & Huffman reported the collection account to my XXXX Credit file on XX/XX/2023 however the Notice of Collection letter was XX/XX/2023. 

When I called XXXX XXXX back, I requested they remove the collection account immediately from my XXXX Credit Report - to which they DID NOT. I have disputed this account a total of XXXX XXXX ; and they continually verify this information as true and correct in violation of my rights. 

Vance & Huffman violated the rules and regulations set forth by the FCRA and NEVER NOTIFIED ME prior to reporting this collection account to XXXX. 

Please instruct Vance & Huffman to remove this collection account from my XXXX XXXX file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reached out to capital one regard a dispute for a charge to a merchant where services were not performed as described. I jumped through their hoops and provided all the details need and requested. Specifically they asked for an invoice I advised them that the service is not typical you would get an invoice for example for you a barber hair stylist or nail salon. Youre not given they said based on that information. I was given the task of also locating a stylist in the same area of work and getting a second opinion on company letterhead. I tracked down a stylist willing to create a letterhead for the whole purpose of assisting me with this issue. I have explained to them over and over for the service and experience its not a typical transaction and that I things arent as black and white and I cant produce an invoice. Ive been advised to contact the merchant and request an invoice. However Ive explained that the merchant has blocked me from communicating with them and has hung up on attempted calls etc. Im being advised to produce all this documentation and prove all these things when Im working with limited abilities as the charge is from an unprofessional merchant who doesnt cooperate and has blocked my ability to communicate. Capitalone has made this experience extremely difficult to deal with and has hid behind guidelines and rules when it seems that Ive done everything to prove to them the charge should in fact be disputed. I found out later on the stylist is not licensed and doesnt have business licenses or permits to even be operating the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: CT

Complaint narrative:
In accordance law with the Fair Credit Reporting act 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 XXXXXXXXhas 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

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 2023-06-16 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with Navy Federal Credit Union. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact navy federal and was offered no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
THE OPEN DATE OF THE ACCOUNT IS INCORRECT, THE DELINQUENCY IS INCORRECT. THIS WAS PAID OFF AND CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company has violated law 15 U.S. Code 1681b - Permissible purposes of consumer reports. The company shows as reporting to my credit on XX/XX/2022. 

XXXX XXXX XXXX XXXX has reported information without my permission.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX RE : 3 Credit Bureau Accounts and XXXX, Transunion, XXXX Source XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX This letter is being sent to you in response to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligations to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with any copies of any papers that show I agreed to pay you what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you if your offices have reported invalidated information to any of the 3 major Credit Bureaus. ( XXXX, Transunion, XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following. 
Violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character. 
If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time ALL Collection activities must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. 
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 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS XXXX  Credit Report As of : Today XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXXXXXX Collection XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1100.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1100.00} {$1100.00} 1 Month Individual Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX payment

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 2023-06-17 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:
According to the FCRA ( XXXX XXXX XXXX acct # XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 


Account Name : XXXX XXXX XXXX acct # XXXX, has violated my federally protected consumer rights. 

According to the FCRA 15 U.S. Code 1681i ( 2 ) ( A ) ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1666 ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered is mailed or delivered to the consumer not later than 21 days before the payment due date.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2023-06-17 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
According to the FCRA this company BULLCITY FINANCIAL SOLUTIONS needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: NC

Complaint narrative:
According to the FCRA this company XXXX XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

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