vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of XX/XX/XXXX I received my updated credit report from XXXX. I have noticed that an account is in FACT reporting late payment. On a account that was CLOSED 6 months ago PAID IN FULL. This account is reporting on my XXXX report as late for XX/XX/XXXX. This is a DIRECT VIOLATION of 15 USC 1681e ( b ). A violation of 15 USC 1681 s-2 ( a ) & ( b ). A violation of USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). XXXX has reported inaccurate errors with actual knowledge. XXXX has also reported inaccurate errors AFTER proof/notice and confirmation of errors. I have attached solid proof that XXXX XXXX XXXX XXXX XXXX and XXXX are reporting late payments. That is on a CLOSED Paid in full Account closed on XX/XX/XXXX. This is just unacceptable and down right wrong on every level. How does this make any sense. To still report on a account that has been closed for 6 months. Then 6 months later receives a late payment on something that shouldn't even be reported on. I have spoke directly with the President Office personnel in response to this 6 month problem. I was told that there isn't any DELINQUENT account reporting to XXXX or TransUnion. That the account was closed and paid in full. See the attachments letters in regards to that situation. The only resolution to this is to DELETE this account IMMEDIATELY. I am now forced to seek a consumer attorney and file a lawsuit against XXXX and TransUnion. If this account isn't DELETED from my XXXX and TransUnion credit profiles. I've attached solid and direct proof to my complaint so you all can see.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed a withdrawal from my checking account with Capital One for {$2500.00} to XXXX XXXX XXXX XXXX XXXX. I do not have any accounts with this bank nor did I authorize any transactions to be paid to this bank. I immediately contacted Capital One and made a fraud claim. I was told that a bill pay was set up on XX/XX/XXXX and that they noticed it was set up by using a desktop computer rather than the mobile app, which is how I always sign into my account. I also do not use bill pay. This account is used mostly to pay my rent each month and I do an ACH payment through my apartment complex. I asked if there was anything that I need to do while the claim was being investigated and if they needed a police report, to which they said no. I made a report on XX/XX/XXXX as I wanted law enforcement to be involved and want to prosecute whoever hacked my account. I received a temporary credit on XX/XX/XXXX for the {$2500.00}. I immediately contacted Capital One to transfer the funds to the new checking account they had opened for me and once that was done, I transferred the funds to my primary checking account at another institution. On XX/XX/XXXX, I received a letter from Capital One stating that my fraud claim was denied and that they determined I am the one who set up the bill pay and that no fraud was committed on my account. On XX/XX/XXXX, the temporary credit was removed from my account, which left my account negative {$2500.00}. I immediately contacted Capital One and requested any documents that were used in making this decision as well as forwarded the police report as well as the information for the detective assigned to the case via email. The supervisor that I spoke to ( XXXX ) stated that he would request a second review of my claim and that it would take XXXX business days to complete and I would hear from them once it was reviewed. On XX/XX/XXXX, I received a letter that my account was {$2500.00} negative and that I needed to bring my account current by XX/XX/XXXX or it could be closed and my balance could be reported to the credit bureaus. I contact Capital One was told that there were no notes in the claim that stated the claim was being reviewed or investigated a second time. The representative that I spoke with ( XXXX ) suggested that I contact XXXX XXXX XXXX XXXX XXXX and ask for a letter from them stating that I have no accounts with them and send it to Capital One for consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint on my own behalf to rectify an issue related to inaccurate personal information on my credit record. The provided information is not associated with me, and I urgently request the removal of this fraudulent data.

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 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc
State: CT

Complaint narrative:
All these credit bureaus are scams. I have 3 closed accounts the are still trying to collect money from me. They keep on doing the liar XXXX and say they didn't recoup the money lost when they did. Items were given back and sold off for profit and accounts were closed. No need to continue or I'll just file bankruptcy and you'll all get NOTHING ANYWAYS AND BE FOR XXXX  TO TAKE IT OFF MY CREDIT. STOP XXXX WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice of garnishment from my employer. The conversation I had on XXXX was the first conversation I have had regarding this debt. I never had any knowledge that it was going to court. I called the number and was referred to Midland Funding. I spoke with a representative and was told that I owed {$3000.00} to XXXX for an account that was opened in XXXX. I asked why this has not shown up on my credit score and they responded with that there was a judgement and it wont show up. I do not have any paper evidence that this debt is mine. I believe that this debt is not mine and would like to know what next steps I can take to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is information thats on my consumer report that is a result of identity theft. The identified transaction is not information related to any transaction by me as the consumer. 
I am requesting that the reporting of this information be blocked and deleted. 
I have Filed a report with FTC, dispute with Experian. Supporting documents were sent to Experian on XX/XX/2024. Experian has not blocked or deleted the fraudulent account they are required to block the transaction from being reported to my consumer report within 4 days from the date of the receipt from the notice.

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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2024 Reference : XXXX I've sent multiple notifications requesting the original security transfer agreements indicating that the debt has been sold, but I haven't received them yet. Recently, I received statements from an additional collection company attempting to collect from me. However, their name doesn't appear anywhere on my credit report. I'm now reaching out to ask you to request clarification from the third-party regarding who I'm supposed to pay, as I'm confused at this point. 
================================================================= XXXX, I requested specific information, and now I see another party involved, XXXX XXXX XXXX XXXX XXXX Who exactly holds the contract from the original creditor? Despite my previous requests, you have not provided this information. Consider this my final notice before taking legal action against all parties involved, including you personally. 

Once again, I am writing to request validation of a debt that your agency is attempting to collect from me. It has come to my attention that there may be potential violations of tax fraud laws associated with the securities involved in this alleged debt. 
As you are aware, tax fraud laws prohibit deceptive practices related to taxation, including failure to report income, underreporting income, and misrepresentation of transactions. Given the complexity of securities transactions and the potential for securities involved in this debt to not be registered with the Securities and Exchange Commission ( SEC ), I am concerned that there may be violations of these laws that need to be addressed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including documentation proving that I owe the debt and that your agency has the legal right to collect it. Additionally, I request any information related to the securities involved in this debt, including documentation of their registration status with the SEC and any relevant tax reporting information. 
Please provide the requested documentation within 30 days of receipt of this letter. Failure to do so may result in further action on my part, including filing complaints with regulatory agencies and seeking legal remedies for violations of consumer protection and tax fraud laws. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 
Govern yourself accordingly! 
Sincerely, XXXX XXXX XXXX, agent for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: StellarFinance, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against StellarFinance Inc. for Violating Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against StellarFinance Inc. for flagrant violations of my consumer rights. The company has been unlawfully reporting my transaction history, which contravenes pertinent consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), it is expressly illegal for financial institutions like StellarFinance Inc. to report transaction histories without explicit consent. Yet, despite this legal framework, the company persists in breaching my privacy rights.

Furthermore, I demand immediate action to rectify the inaccuracies in my account status. StellarFinance Inc. must update my account to reflect the accurate status of " paid as agreed '' in accordance with the terms of our agreement.

Additionally, I request an end to the unauthorized disclosure of my utilization, as this practice also violates consumer protection statutes. Disclosure of such information without consent is not only unethical but also illegal under the FCRA.

I urge the Consumer Financial Protection Bureau to investigate these grievances promptly and take appropriate enforcement actions against StellarFinance Inc. to ensure compliance with federal consumer protection laws.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was given a {$100.00} American Express Gift Card for a Birthday in XXXX. I never took it out of the birthday card until recently. Although the balance did not expire ( Still showing {$100.00} balance but expired ), the card itself " expired ''. 

The documentation on the card states to call American Express and they will issue a new card. I've called 6 times since XXXXXXXX XXXX XXXXXXXX. Each time, they say they will send out a new card within 7-10 days. No card is ever received. Every call to them the process begins again. My last call XX/XX/XXXX, they said they will send it 2 day express mail. Still nothing. I believe they are doing this " on purpose ''. My sister-in-law put {$100.00} on this card and they refuse to let me use it. 

Also : Previously I could check the balance online and by phone ( number on back of card ), Since my last phone call to American Express, the 3 digit security code on the back of the card is now saying " invalid '' when checking balance online. Calling the automated system today, the balance is still showing {$100.00} unused / card expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have the right to a proper investigation. 

15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681 604 A. section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

This is grounds for removal and my rights have been violated.

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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I reached out the Flagship credit acceptance regarding inconsistency in statements compared to the portal and payment amounts paid through a customer service rep. Every time I call regarding what is my TRUE amount I need to pay, every representative give me inconsistencies in my why I am charged certain fees. I have been late in the past and made extra payments to make sure my account is current but everything I make a payment- sometimes more than the amount due, my new statements show I what " unpaid '' late fees. When I call regarding these fees, I'm being told that payments I'm making, some of them are going towards the principal and some are going towards interest. However, my payment amount is on average {$580.00} a month. I was told you get a 11 day grace period anything after is a {$25.00} dollar late fee applied for that month. I would pay extra, for instances in the month of XX/XX/XXXX, I made 3 payments averaging XXXX dollars to cover " unpaid '' lates fees. Then on the portal my account would be " current. '' The next statement rollout for the next month, it would say " unpaid late fees '' with the same amount. When I call to question this, I have a hard time getting a manager on the phone or a call back to explain after all the extra payments, why is my account still considered " late '' and the same amount of unpaid late fees is shown on my statement. When I was able to speak to a manager on XX/XX/XXXX, on a recorded line I was told my payments wasn't actually going towards what is shown on my statements. Because a lot of my payments are going toward interest, Flagship itself isn't getting paid and so the amount I'm actually paying including late fees is not a true balance because the money is not being applied to late fees. I was told I was going to receive a call back from her manager, however she never collected updated contact information to follow up.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Opened an Secured Credit account XX/XX/XXXX, using money deposited ( {$300.00} ), was solicited by the company stating, its to build credit. I called Discover Credit Company due to two credit limits reporting on my PRIVATE credit scoring of {$24000.00} and {$21000.00}. I was told by the company to call the reporting agency which is XXXX. I called XXXX, they advise for me to contact the reporting company XXXX Discover Bank ). I than again called Discover Bank today XX/XX/XXXX ; spoke with one lady and was told the reason for the closure of my account, that I was supposed to receive the {$300.00} dollars bank. She transferred me to someone else and than that person transferred me to a supervisor XXXX XXXX number XXXX. I explained to the supervisor of my concern of having a card that was funded and closed ; didnt quite understand how the company is able to closed an account on a consumer investment into the company with a deposit of their own Money. I also explained to the company that they were in violation of HUR 192 Public Law 7310 ; Public law 73-10 40 Stat 411. XXXX explained that it was terms and conditions that were sent to me 10 days prior to the card being mailed ; I explained I received the terms and conditions with the card and not separately. I that explain that I than in XXXX was a bona fide purchaser of a credit line ; solicitation of the company stating its a Secured card required deposit to extend a line of credit for credit building. I explained to XXXX that I wasnt aware in XXXX that I actually made an investment into the company when submitting an application which than turned into a receivable that are than considered asset backed securities. I explained to XXXX that I want to do a resention of the original contract given as a bona fide purchase, of the company being able to keep all the proceeds from the security invested XX/XX/XXXX. She stated all companies rely on fico scores to determine the amount credited to the company. I explained that such scores cant determine the credit line to be given to XXXX  because in the XXXX filing with the SEC for Discover credit line, rely on investments from consumers. It is said also in the XXXX filing that the asset backed securities are fixed rate asset back securities. In which are, The fixed-rate aspect means that the interest rate paid to investors remains constant over the life of the security, providing predictable cash flows. The underlying assets generate the cash flows used to pay interest and principal to investors. Examples include ; cXXXX XXXX XXXX XXXXXXXX XXXX said that I was in the wrong department and I should be talking with Discover Bank and not Discover Credit Bank. She proceeded to hang up in my face with out a solution to my issue.

Company response to consumer: Closed with explanation