vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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:
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  has violated my rights. Or list of inquiries 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 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 2023-03-09 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: MD

Complaint narrative:
First complaint was on XXXX - 2nd attempt : XXXX Nothing was provided but 1 bill statement. I do not feel that it reasonable validates this account information as being accurate. 

XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  UT XXXX I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, MD XXXX 15 U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1. A statement that the reinvestigation is completed, 2. A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3. A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4. A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5. A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 

I am Requesting : Please Provide everything in writing to XXXX XXXX XXXX, XXXX, MD XXXX via certified mail. 

Additional Request in writing : 1. Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2. All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: MD

Complaint narrative:
First complaint was on XXXX - 2nd attempt : XXXX Nothing was provided but 1 bill statement. I do not feel that it reasonable validates this account information as being accurate. 

XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX XXXX, UT XXXX I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, MD XXXX 15 U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1. A statement that the reinvestigation is completed, 2. A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3. A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4. A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5. A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 

I am Requesting : Please Provide everything in writing to XXXX XXXX XXXX, XXXX, MD XXXX via certified mail. 

Additional Request in writing : 1. Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2. All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.

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 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have the American Espress credit card, on XX/XX/XXXX - 2021 I called Amex customer service to provide me with a payment method other than my debit card App, then the young man provided me with this account number route XXXX account XXXX XXXX XXXX belonging to Amex, I deposited XXXX dollars cash in one in said account and since then that deposit has not been deducted from my debt. 
I need my money.. 
I have the receipt of the deposit that I made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE. 
MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH TRANSUNION XXXX AND XXXX. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE.

MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH XXXX XXXX AND EXPERIAN. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT

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 2023-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I believe that NetCredit has found a creative way around usery laws, and is using a creative method for charging excessively high interest rates. 

NetCredit charges a statement fee every XXXX weeks. The fee of the statement is based on ones balance. This is not fair, a statement fee should be fixed and not variable. As an example, when my balance was XXXX the statement fee was {$90.00}. When my balance was {$1300.00} the statement fee was {$70.00}. Because of their unfair fees, I decided to pay my balance in full. I made XXXX payments within a few days of each other to pay the balance in full, both payments were accompanied by statement fees of {$60.00}, and {$55.00}. 

These fees are predatory, deceptive, and make it very difficult to pay down one 's balance. Paper statements fees should be reasonable. Online statements should be even lower in cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

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 has violated my rights. Or list of inquiries 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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
The issue I am having is with capital one credit card company not applying my payment {$2100.00} when using my banks online payment method. The most recent issue was I mailed my full payment to capital one on XX/XX/2023 and they claim they did not receive it before the payment due date " XX/XX/2023 '' thereby applying a late charge and penalty interest to my account. After learning of the " missed '' payment I made an inquiry at my bank and learned that the payment had cleared, and they already had a copy of the canceled check. When I called capital one on XX/XX/2023 in regard to my account, they had no record of my payment, when informed them that I had a copy of the cleared check capital one agreed to start an investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
my company checking account started to show fraudulent transactions on XX/XX/XXXX, I reported to Citibank on XX/XX/XXXX, but the fraudulent transactions still keep coming in with a total of 11 fraudulent ACH transactions before citibank finally closed that account and open a new accunt for my company on XX/XX/XXXX. Citibank refunded all of these 11 fraudulent ACH items but on XX/XX/XXXX, they took {$220.00} ( one of the fraudulent item ) from my account and said that ACH is appropriately applied while it was 100 % fraudulent. There were other 6 fraudulent items from that same vendor ( XXXX XXXX ) which were all refunded to me without issues. This particular item showed up on my account on XX/XX/XXXX {$220.00} as ACH DEBIT XXXX  XXXX Mobile Payment, I reported on XX/XX/XXXX along with other 2 transactions, Citibank sent a STOP PAYMENT confirmation on XX/XX/XXXX, and refunded that {$220.00}. But on XX/XX/XXXX, Citibank deducted {$220.00} from my account and sent a letter saying they found that the ACH transaction was " appropriately applied '' - ignoring the STOP PAYMENT request executed and the fact that there were 6 others fraudulent transactions from XXXX  XXXX ACH debit which were all found to be frauds and refunded without issues.

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 2023-03-09 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing this letter to dispute the previous investigation conducted by your bureau regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like to express my strong disagreement with the results of the investigation and the way it was conducted. 

Under the FCRA law, I have the right to know how the account has been validated, including the name, company, and phone number of the representative from whom the validation was obtained, the last day of delinquency, the last date of activity, and whether the company is properly reporting under my FCRA rights. However, I do not feel that a full investigation was conducted, as I was not provided with this information. 

Furthermore, I would like to bring to your attention that the account in question is being reported as open, which is inaccurate. I do not have an open account with XXXX XXXX XXXX, and I was not provided with an original validation that contained my signature. I believe that this violates my rights under the FCRA law. 

Additionally, I have reason to believe that XXXX XXXX XXXX is actively manipulating the payment history and charging off the account consecutively with some being reported back to current after it was reported closed and charged off, which is a violation of my rights. This action is causing significant harm to my credit score and overall financial health. 

Therefore, I demand that these accounts be removed for these violations. If your bureau can not confirm that every piece of information is 100 % correct, then I ask that you remove it from my credit reporting. 

I trust that you will handle this matter with the utmost professionalism and fairness. I look forward to hearing from you soon regarding the resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
Dear Sir/Madam, I am writing this letter to dispute the previous investigation conducted by your bureau regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to express my strong disagreement with the results of the investigation and the way it was conducted. 

Under the FCRA law, I have the right to know how the account has been validated, including the name, company, and phone number of the representative from whom the validation was obtained, the last day of delinquency, the last date of activity, and whether the company is properly reporting under my FCRA rights. However, I do not feel that a full investigation was conducted, as I was not provided with this information.

Furthermore, I would like to bring to your attention that the account in question is being reported as open, which is inaccurate. I do not have an open account with XXXX XXXX XXXX, and I was not provided with an original validation that contained my signature. I believe that this violates my rights under the FCRA law. 

Additionally, I have reason to believe that XXXX XXXX XXXX is actively manipulating the payment history and charging off the account consecutively with some being reported back to current after it was reported closed and charged off, which is a violation of my rights. This action is causing significant harm to my credit score and overall financial health. 

Therefore, I demand that these accounts be removed for these violations. If your bureau can not confirm that every piece of information is 100 % correct, then I ask that you remove it from my credit reporting. 

I trust that you will handle this matter with the utmost professionalism and fairness. I look forward to hearing from you soon regarding the resolution of this dispute. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I have rent recovery and other collections on my account that I did not attempt or live and the address they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have XXXX XXXX and other collections on my account that I did not attempt or live and the address they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602A states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 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 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 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 2023-03-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting XXXX open accounts as closed to equifax credit bureau while reporting the same accounts as open to XXXX and XXXX . I contacted the creditor regarding this matter but was not properly assisted. This erroneous reporting has greatly impacted my credit score and prevented me from retaining new lines of credit from other creditors.

Company response to consumer: Closed with explanation