vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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: NY

Complaint narrative:
XXXX ( XXXX ) is in violation of several laws that are allotted to me by the FCRA ; 15 USC 1681i ( 5 ) ( A ), 15 USC 1681 B, 15 USC 1681 C-1, 15 USC 1681 C-2. Experian, XXXX, XXXX did not have my written consent to furnish any information on my credit report. Since you did not have my written consent to furnish any information on my credit report according to the FRCA it is constituted as identity theft. Since this late payment is on my credit report as a result of identity theft it must be taken off of my credit file. Moreover, when you guys closed the account you did not send my statements to my address. Since I was not getting my paper statements i was unaware of the due date causing me to fall behind on the payments. Moreover, on XX/XX/XXXX, I called XXXX and they notified me that XXXX only reports 60 days late and the representative went ahead and reverse the late fees and the interest payments and told me that since she did the reversal the monthly payment was satisfied and i did not have to make a payment. On XX/XX/XXXX I checked my credit report and i have a 30 day late payment on my experian profile. If i knew that i was going to be reported as 30 days late i would have made a payment on the 7th when i called in. The calls are recorded and monitored and you guys can go back and check that conservation that i had with that representative. Due to the misleading and false information that i got from a trained employee at your company, i have a late payment on my credit report. Also, on XX/XX/XXXX i spoke to XXXX, who was rude unprofessional and disgusting. He constantly hung up on me and even blocked my number from calling in when i wanted to speak to a XXXX. XXXX closes at XXXX XXXX CST and XXXX took it upon himself to cut off the phones to the customer service line at XXXX CST. I was unable to call in and speak to a manager to get my concerns addressed.

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 2022-11-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank- XXXX XXXX has 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.

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 records of convictions of crimes which andantes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I do not no which medical provider this bill is originating from. My account on my chart which I pay a payment on XXXX each month wether it's {$10.00} or {$50.00}, I make a payment. The on line account states some of your bills are in collection, some of your bills are pending insurance and some of your bills are due. That's a broad range for someone to figure out what needs to be paid. But I make sure I pay something each month. I've filled out for assistance but haven't received a answer. As well as some of our portions of these bills I see are for services I have not received and I will be making a call to XXXX XXXX XXXX XXXX of Michigan and XXXX tomorrow to report it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2022 - Discover took duplicate payments of {$440.00} causing my checking account to have negative funds. 

I contacted Discover, the customer service representative, could only say that she did not see any payment had been taken. She did advise I could send proof of the duplicate withdrawal to XXXX and there research department would look into it. I did send the requested support as I was upset with Discover causing my checking account to go into overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kenneth, Eisen & Associates, LTD.
State: AZ

Complaint narrative:
On XX/XX/2022, the KENNETH EISE collection agency uploaded that I own them on my XXXX as a {$100.00}. I tried to reach them over the phone to confirm if I confess something to them and over the phone, I requested them to send me a clarification letter. The representative was rude to me and promised to file a lawsuit against me. The Kenneth XXXX agency refuses to validate debt which is discriminated against my right under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for the Capital One Venture X credit card from Capital One bank and paid {$390.00} as the annual fees. However within less than a month, my card usage was blocked. I called the bank and was told to send various personal documents such as ID, bank statements etc. The following month i called multiple times for a status update after sending the requested documents. Finally a few weeks later i received a letter saying that my credit card account was closed by bank. No specific details were given. 

I have since reached out several times over the course of the last XXXX mths to request a refund of the {$390.00} annual fees but to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, JPMCB Card, and XXXX  XXXX XXXX creditor has violated my rights. 

Under 15 USC 1681 section 602, states I have the right to privacy.

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

Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX Account Number- XXXX XXXX XXXX XXXX, has 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 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 explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX and I recently opened a checking account with Citi bank and I work as a driving instructor so my job pays me every single month. When I deposited a check last week on my XX/XX/22 the money processed in about 3 days. After the second day passes by I come to find out that they have blocked my account and then closed and terminated it afterwards for no apparent reason. Now I have {$2800.00} stuck in my account and I can not get it out.

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 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX for {$820.00}, Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come 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 non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
To whom this may concern, As a XXXX XXXX XXXX in high school, I knew nothing about student loans, how it worked, and all the ties attached to it. I was uneducated and unaware of the consequences of applying for a loan under a variable fixed rate. Sallie Mae has raised my monthly payments of {$200.00} to {$310.00} in XXXX year. I am a full college student, struggling to balance XXXX jobs and a full schedule of classes to meet the $ XXXX  monthly payments Sallie Mae has put on me. I have reached out to customer service on numerous occasions and the solution they offered was deferring my payments for XXXX XXXX or XXXX. I have also reached out to the XXXX XXXX XXXX XXXX, explained my struggle as a full time college student to meet the $ XXXX  monthly payment and they provided me with the same " solution ''. This is not a solution, it is a bandaid and will hurt me in the long run. I will not be able to finish college and apply for another $ XXXX loan if my monthly payment is not reduced. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
This is not my account, I have had identity fraud on my name

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 2022-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was at Kohls in XXXX CA on XX/XX/2022 with an existing Kohls card and a mailer thanking us for having a card for 15 years. ( The card holder is my mother, who was present and using the card to purchase a few items ). When we attempted to use the existing card, the cashier told us the card was not working since it had not been used for several years. We were informed she had to reactivate the card. We followed her directions of entering the name, social security number etc on the terminal. We STOPPED and said that it was appearing that we were applying for a new card. She said again that it was only to reactivate the card. When the terminal promoted for annual income we stopped again and VERY CLEARLY stated that we did not want to apply for a new card. We were again told that this was a reactivation. When we finished entering all the information the cashier told us, YOUR APPLICATION was denied!!!!! She lied to us and made us apply for a new card. Our existing card was not reactivated. This is exactly the same as XXXX XXXX customers given a credit card when it was not requested. We did not want to apply for a card, simply reinstate a card that had been in existence for 15 years. This is so wrong. Bait and Switch. Unfair credit practices. And what is worse is the LYING cashier saying that we were not applying for a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
Someone fraudulently opened a credit card with Avant bank in my name with my social security number on XX/XX/2022. This caused my credit score to drop. I found out about it when I looked at my credit report last week. I contacted Avant bank and they told me they were aware it was a fraudulent account and it had already been closed in XX/XX/2022. I contacted XXXX to dispute the Avant card and also dispute an address on my credit report in Pennsylvania that was not correct. They are working to correct this. I also notified XXXX and will contact XXXX. XXXX advised me to report this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
I purchased some appliances, and I we put it on the Fortiva Retail Credit card. We were told it was for 6 months interest free. We received the first bill ; the payment is due on XX/XX/XXXX but the statement says the balance needs to be paid by XX/XX/XXXX. They are deceiving customers, it not 6 months from the first bill, its 6 months from the date of purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX Account Number- XXXX XXXX XXXX XXXX, has 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 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 2022-11-14 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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX Account Number- XXXX XXXX XXXX XXXX, has 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: AL

Complaint narrative:
I have been requesting a method of verification for the bankruptcy listed on my report since XX/XX/2021. I haven't received a valid response all I have received is a generic letter each time. I have sent the same letter to the other 2 bureaus as well XXXX deleted the bankruptcy off of my report. I am still waiting on a response from XXXX. I have also requested them to correct my name because it is incorrect. I also have attached the last letter that was sent to TransUnion.

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 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was scammed {$1200.00} on my venmo transaction. 
XX/XX/2022 XXXX app-used couch He was on his way to new place with moving truck and wanted to pick up Emailed received with cashier check ( deposit money for the moving company ) Asked if I can deposit that and keep {$250.00} and send the rest using venmo. 
XX/XX/2022 I deposit the check. 

XX/XX/2022 It showed as if it was posted. 
XX/XX/2022 sent money to @ XXXX {$750.00}, @ XXXX {$500.00} XX/XX/2022 The cashiers check had been returned. 
I called XXXX Bank and asked what had happened. XXXX Bank told me it was an unauthorized check and I stopped the transaction. 
And also sent email to XXXX XX/XX/2022 I received an email from venmo that you guys already sent the money to them. 

XX/XX/2022 XXXX I called the support team spoke to XXXX and also received confirmation email. 
XX/XX/2022 also I evidence was also sent by e-mail to XXXX. 

XX/XX/2022 XXXX I received call from this number XXXX XX/XX/2022 XXXX XXXX ( collection dept ) I spoke to XXXX hung up on me and transferred to C/S dept XX/XX/2022 XXXX XXXX C/S dept spoke to XXXX XXXXAdvice to call different number XXXX But I got the same answer that Venmo couldn't solve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has 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 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX has 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ears 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate.

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