vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Credit Karma, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : 1. It has come to my knowledge and understanding that you have inquired upon my consumer report on behalf of Credit Karma on XX/XX/ and see attached for other dates. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/XXXX Dear Manager at Billing Inquiries for Synchrony for Care Credit Card, I am writing in response to the recent payment dispute you closed in favor of the provider, XXXX XXXX XXXX  On XX/XX/XXXX, you stated in the letter that you were closing my dispute and had released the disputed amount to the provider for a service that I canceled and never rendered. I would appreciate it if you could review the contents of this letter and the attached so that you can reconsider your decision and re-open the dispute. 

There are two problems with this dispute. I was not treated fairly or ethically. On XX/XX/XXXX XXXX, an office manager at XXXX XXXX XXXXXXXX, talked me into getting a XXXX XXXX XXXX XXXX XXXXXXXX that someone had canceled at the last minute. The canceled appointment was for the next day at XXXX. I felt pressured to fill in the canceled appointment when XXXX said I needed the procedure, and when I didnt have my credit card with me, she was willing to take the payment over the phone after I went home. 

When I did find my card, I asked her to find out if I would qualify for the surgery amount. Notably, I did NOT authorize her to charge my card. In any case, I canceled the appointment that night via text message ( see attached ) and later confirmed the cancellation with XXXX on the phone before the clinic even opened. It was at this time that I was, for the very first time, informed that I would need to pay a cancellation fee for costs already incurred. At no point previously did XXXX inform me of any penalty fees that would apply in the case of canceling an appointment under the current circumstances, i.e. an unfilled appointment that was booked and canceled at the last minute by another guest. 

It doesnt seem appropriate that this cancellation policy and penalty fee, particularly one as substantial and consequential as {$6000.00}, was disclosed not when the appointment was booked, but when it was too late to avoid incurring the cost. Regardless, I, as a consumer, was not given the right to cancel or withdraw from the agreement. 

This is not how XXXX XXXX XXXX wishes to conduct business with valued customers as I have been with them since XXXX and have never encountered such a lack of transparency. I would welcome the opportunity to discuss matters further to come to a resolution for a full refund. 

Thank you for your attention. 

Sincerely. 


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 monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A 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 non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Purchased car from us auto XX/XX/2022 Made car payments to us auto until XXXX account was transferred to XXXXXXXX XXXX XXXXXXXXit is now a different higher number now then when payment.Seems like they have no history of any payments I already made to us auto or payment was wrongly applied.Payment is being applied wrongly now hardly anything is being paid to principal only interest this will affect to keep in debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS REPORT IS REPORTING THE OPENING DATE IS INCORRECT, LAST REPORTING DATE IS INCORRECT, LAST DATE OF PAYMENT IS INCORRECT WHICH IS AFFECTING MY CORRECT SCORE. 
ALSO THEY HAVE LAST PAYMENTS THAT ARE REPORTING THAT NEEDS TO BE CORRECTED. 


Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$69.00} {$69.00} {$69.00} No. of Months ( terms ) : XXXX XXXX XXXX  High Credit : {$450.00} {$450.00} {$0.00} Credit Limit : {$600.00} {$600.00} {$600.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to 15 usc 6802-6805 my information is not supposed to be released and they are to provide proof of claim also i want to know who gave my information.1099c is an certificate of indebtedness which is now income which can't be reported on my credit reports please update to paid as agree or delete. As a federally protected consumer iam opting out of any and all authorization i the consumer may have given you written and unwritten verbal nonverbal per 15usc 6802. 15usc 1681 please update chargeoff to paid as agreed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to 15 usc 6802-6805 my information is not supposed to be released and they are to provide proof of claim also i want to know who gave my information.1099c is an certificate of indebtedness which is now income which can't be reported on my credit reports please update to paid as agree or delete. As a federally protected consumer iam opting out of any and all authorization i the consumer may have given you written and unwritten verbal nonverbal per 15usc 6802. 15usc 1681 please update chargeoff to paid as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
THE OPENED DATE IS INCORRECT IT'S SUPPOSE TO BE XX/XX/XXXX. XXXX HAS THE DATE XX/XX/XXXX. 

ALSO I'VE NEVER MISSED A PAYMENT, IT SHOWS XX/XX/XXXX, IT SAYS I WAS LATE 30 DAYS THAT'S INCORRECT!!!! 


Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$26.00} {$26.00} {$26.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$160.00} {$160.00} {$160.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$430.00} {$430.00} {$0.00} Credit Limit : {$450.00} {$450.00} {$450.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
Fair Debt Collection Practices Act This law was established to ensure that consumers are treated fairly by debt collectors. All kinds of personal and household debts are covered in the law, including automobile loans, medical expenses, credit card debts, and more. However, the law does not apply to businesses collecting their own debts. The Act provides the following protections : It prohibits debt collectors from using abusive, deceptive, and unfair practices such as : Using abusive language or making threats. 
Using the telephone to annoy you. 
Contacting you at inconvenient times or places. 
Misrepresenting themselves to you. 
Threatening a lawsuit or other action that the creditor does not intend to take. 
Collecting more from you than you owe. 
It establishes the procedure for debt collection : First, within five days after the debt collectors initial contact with you, the debt collector must send you a statement of the amount you owe the creditor, and what action you can take if you dispute owing the money. 
Second, if you send a letter within 30 days disputing that you owe the money, then the debt collector can not make further collection efforts until it sends you proof of the debt. 
Third, the debt collector can not collect for any debt that can not be verified. 
It limits debt collector contact with third parties ( except to locate you ). 
It requires that if you owe several debts, the money you provide must be applied as you wish. 
Investment retrievers placed an acct on my credit report without my consent. Also has called multiple times during times that I'm at work I asked to be removed from their system as I do not have an acct with them. They have called and threatened me saying they are in the middle of filing a lawsuit. They are a third party agency collecting for XXXX funding and they both have an account on my credit with two different amounts and Repos. They are affecting my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX XXXX requested a wire transfer from XXXX XXXX in XXXX of XXXX euros ( about XXXX US dollars ) to my account at Citizen bank in XXXX 
Citizens reported receiving XXXX dollars. 
When asked for transfer details they refused. 
XXXX system was used but I cant contact XXXX only banks can. 
Was the missing amount stolen or???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
The following companies are in VIOLATION of FCRA 15 USC 6802 Obligations With Respect To Disclosures OF Personal Information. Section A States A finicial Institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information unless such financial institution provides or has provided to the XXXX a notice that compiles with section 6803 of this title All credit bureaus are in VIOLATION of Sections ( B ), ( 1 ) A, B, & C & FCRA 15 USC 1681 Permissible Purpose was not given. I've asked for removal of the following accounts from consumer profile Immediately XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, Equifax, XXXX the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with XXXX 's, Equifax and XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Inquiries : XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX, XXXX the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with XXXX 's, XXXX and Transunion reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and Transition complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Experian, XXXX, Experian the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with Experian 's, XXXX and XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, Experian has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure Experian, Experian and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello my name is XXXX XXXX XXXX Ive been trying to fight this for months but my account was closed due to a fraud check that was sent to my name capital one says I can not reopen my account due to that. And I owe - {$99.00} to my checking and also been fighting to pay my credit card but have no way to access to pay it and I keep getting emails that my fees gone past + {$300.00} on my card and only had a limit of {$200.00} I need help to figure out what I need to do to fix this problem I need to have access and my credit has dropped way low and I need my checking account

Company response to consumer: Closed with explanation