vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX  for {$640.00}. I do not have a contract with Spring Oaks Capital LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
According to the FCRA my federally protected rights have been violated XXXXXXXX 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 Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy

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 2024-01-07 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: AL

Complaint narrative:
According to the FCRA my federally protected rights have been violated XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy

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 2024-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear CAPITAL ONE, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
In XXXX of 2022, I was offered an XXXX XXXX XXXX XXXX as a XXXX lease for $ XXXX + taxes. I was sent online documents to sign and I did however once the paper copies showed up, I learned that the dealership added a tire and wheel package for {$4900.00} which I did not agree to as well as changed the lease duration to XXXX. 

This ended up making my payment nearly {$3000.00} ; 20 % higher than what was agreed. I do not like dealerships that do bait and switches and I told them I was no longer intersted in the car and I was travelling and did not want to deal with nonsense. 

Instead of cancelling the deal, the dealership sent me a demand letter from their attorney. I told them to pound sand. What sort of dealership does this? I have the texts between my son and the dealership where we brought up concern of the lease duration changing and the dealership said to sign and we can change it tomorrow as they had to meet monthly quotas. 

I did not and have not taken delivery, paid the down payment ( only the deposit ), and did not sign any of the registration paperwork and will not be purchasing this car. I cancelled the deal almost 2 months ago and Chase auto needs to stop reporting this car on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is reporting late payments for XXXX and XXXX of 2022 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Unauthorized inquiry from XXXX XXXX - XX/XX/2024

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avants reply is not truthful!! I NEVER entered into a modification payment plan. I want my account reopened because of their DECEPTIVE TACTICS AGAINST ME!!!! 


My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/2023 I made a {$300.00} payment. My Avant card was then all caught up and all done on line. My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so. On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!! I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed. In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The law of permission purpose 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. This consent or authorization is given when submitting an application so they have to provide a contract or application. I did not give these companies any written consent, they can't provide me with a copy of my agreement, ID, signature or anything of the sort. This is a form of identity theft. These accounts are required by law 1681c-2 stating that accounts resulting in identity theft must delete accounts in 4 days. 

Item : XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX for {$1900.00}. I do not have a contract with Spring Oaks Capital LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
California XXXX XXXX XXXX XXXX. XXXX was received XXXX 2023. Didn't agree with the terms so canceled it with Money Network and was told check would come in 12-16 weeks. XXXX has no record of Money Network communication to release the check. ( We received 1099 Misc for {$1000.00} ). NO ONE at Money Network to talk to : all automated or 'having technical difficulties, sorry for any inconvenience ''. Click. 
I sent demand letter to Money Network Financial LLC in Georgia on XXXX XXXX with a XX/XX/XXXX action date. XXXX was no dispute that I was supposed to have the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is XXXX XXXX I am requesting verification- ( sworn under oath ) by XXXX XXXX XXXX & FirstPoint Collection Resources XXXX Inc. for this alleged debt. I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting FirstPoint Collection Resources XXXX Inc. to cease & desist all communication unless for verification purposes. I am also demanding FirstPoint Collection Resources XXXX Inc. to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: P&B Capital Group, LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX for {$2400.00}. I do not have a contract with P & B Capital Group LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed a charge on my Capital One statement for {$250.00}. I was charged by " XXXX *Seeking Alpha ' ( XXXX XXXX XXXX as it appears on my credit card statement and I cancelled the subscription directly with Seeking Alpha. However Seeking Alpha ( XXXX ) did not refund my funds and I disputed the charge with Capital One ( CO ), my credit card company. I tried to call XXXX with the phone number posted on the credit card statement ; however there is no one to speak with at XXXX. ( You can only correspond by XXXX mail ) I received a charge back ( Purchase Adjustment ) from CO and after a few weeks I received a reversal of the charge back from CO based on information that CO received from XXXX. I appealed the decision with CO and provided CO with information from Seeking Alpha ( XXXX ). 

XXXX advised me that I was entitled to a refund from XXXX. XXXX advised me that the {$250.00} was reversed in the the XXXX Account and I should contact XXXX to receive my credit of {$250.00}. XXXX advised me that that I should contact XXXX and receive my refund from XXXX. 

In effect no one has helped me resolved my problem. CO advised me that I must contact XXXX or Seeking Alpha ; XXXX advised me that I am entitled to a refund and I should obtain it from XXXX, the payment-processor. XXXX advised me that I must contact XXXX, the originating vendor ( developer of XXXX ) to to obtain the refund. This is quite insane

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sold two phones on XXXX and took payment through paypal from two different individuals In the amount of {$290.00} per phone i sold thus equaling {$580.00} on XX/XX/2024 And PayPal has my money on hold Until the item has been delivered to the buyer. So I did my job in complied with the hold. I uploaded tracking numbers for both phones From XXXX XXXX And they were both delivered the next day on XX/XX/2024 Now PayPal said in their policy. Did they would hold funds for 21 days if I did not do one of the following. 
Up updating the status of the shipment which I did that. I Uploaded the trucking. And it That With uploading the tracking information and once the item has been confirmed delivered to the buyer, the funds would be released within 24 hours. 
And they are refusing to let go of my funds and release the hold. So I can access it. For still 21 days even though it was delivered. The very next day my fun should've been released to me within XXXX XXXX after that. So I should've had access to my funds on XX/XX/XXXX. But here it is XX/XX/XXXX. And they are still refusing to release my funds to me whenever I need my funds immediately. But I was willing to comply on I did my job. They're not doing theirs. I do not think this is right or fair or even legal. I don't know all I know is that I need my money and they have it. On hold in, refuse to release it to me until almost the end of XXXX. Even though I've complied and they're policy states that it would be released within 24 hours after confirmed delivery. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I bank with Security service Federal Credit Union Debit card was compromised ( don't know how ) and {$3100.00} were charged to my account. 

Fraud detection picked it up and called me. I told them to cancel the card and to refund/dispute and charge back the transactions as I did not make them. 

This was in XX/XX/XXXX. 

Today, XX/XX/XXXX, Security Service emailed me that they believed I made those charges in my account because they were consistent with my account usage. 

However, Again I never made such charges. They did not contacted me to ask additional paperwork or proofs that I didn't make the charges. They just denied the dispute and charged the funds and closed the case. 

I hope CFPB can help me recover the funds because they were stolen, and SSFCU allowed a person to make a transaction without concent.

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 2024-01-07 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: AL

Complaint narrative:
According to the FCRA my federally protected rights have been violated 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 Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've noticed that some of the inquiries on my report were done without my consent. I've reached out to each bureau, but have been ignored. Here are the inquiries : 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal.

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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.

XXXX, TransUnion, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :

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 2024-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal.

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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.

Equifax, TransUnion, and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :

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