vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score. 

Account # :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I, the consumer and natural person, was denied credit by CAPITAL ONE while I applied for a CREDIT CARD. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 U.S.C 1691k. CAPITAL ONE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response i received. CAPITAL ONE is in violation of U.S Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on behalf of CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
The payment they determined for my ICR plan does not match the description of how the ICR payments are determined. When I manually calculate my payment using documents from the department of education, it shows that my payment amount would be around XXXX. My manual calculation matches what studentaid.gov says my payment would be. My standard repayment was XXXX. The document says you take that number times your income percentage factor. The XXXX  document says my percentage factor would be XXXX resulting in a payment of XXXX. The OR statement of the calculation shows that 20 % of my discretionary income is higher than that amount. The description says they are to use the lesser of the two. Instead they are telling me I will make 8 payments at XXXX a month and then XXXX payments at XXXX a month. They can not explain to me why there are 8 payments at a higher amount. Im due to re-certify my income in 8 months and it sounds like the payment would then just change back to XXXX again instead of ever getting to the XXXX. I dont see anything to explain why I would make a higher payment for 8 months. That higher payment of XXXX doesnt even match the 20 % of my discretionary income which is the OR statement. 
This is the document I reference. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive sent in request 8 times now to dispute everything on my clarity service report. I get some random generic letters in the mail missing all the information that the say that theyve disclosed and its like they dont want to dispute anything or do their job. XXXX XXXX report contains an accurate information, wrongly place/fraudulent inquiries bankruptcy that shouldnt be on there, and accounts that are more than seven years old and beyond the statute of limitations, I am being ran around in circles and its very frustrating and I feel like my rights to dispute in accurate information as a consumer are being violated. I need this situation taken seriously and all items on the report be disputed under the fair credit, reporting act, and all the wrong information deleted, and my report updated and a copy mailed to me.

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 2023-12-08 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: PA

Complaint narrative:
I am writing to formally submit a complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 
151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX  Account # XXXX, you have violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an 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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I closed my aspire credit card back in XX/XX/2023! The account has been reporting OPEN for the last 4 months on my XXXX credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and XXXX 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to XXXX. Yet, when I dispute with XXXX and upload the documents showing its closed XXXX is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just XXXX. This account needs to be reported closed on XXXX immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: TN

Complaint narrative:
I called Receivable Management Services on XX/XX/XXXX and was given a settlement amount to clear a XXXX XXXX balance of {$73.00}. I accepted the settlement amount and paid by phone. I requested a settled in full letter and for my credit bureaus to be notified immediately. As of this morning, XXXX was notified that I only made a payment of {$73.00} and the account status is listed as UNPAID with XXXX due.

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 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following accounts : MIDLAND CREDIT MANAGEM : Acct XXXX XXXXXXXX My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 20 days will compel me to escalate the issue to the United States District Court, Northern District of Georgia. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Credit Corporation
State: NC

Complaint narrative:
Urgent Request for Resolution of Car Purchase Issues To whom it may concern, I am writing to bring to your attention a series of issues I have encountered since purchasing a car from XXXX XXXXthe dealership / US Auto Credit The bank on XX/XX/2022, at XXXX XXXX. Two days after the purchase, the car broke down, and despite assurances from the dealership about addressing the issue, I have faced continuous challenges. 

I have diligently attempted to communicate with XXXX XXXX, both through messages and calls, over the past year regarding the status of my car and the necessary repairs. Despite my consistent efforts, I have experienced a lack of responsiveness, leaving me without updates on my car 's condition. After Promised to fix the car. 

Despite my ongoing up to date monthly payments, my car has been unusable for over a year. This situation is particularly distressing as I rely on my vehicle for work, bringing my kids to school especially during events such as New York XXXX XXXX, where transportation is crucial. 

Upon returning from New York XXXX XXXX she gave me a car to use since my car was still not in use on XX/XX/XXXX, XXXX XXXX, That car broke down again, putting me and an influencer in a distressing situation. The XXXX XXXX response, notably from XXXX, was unexpectedly dismissive, leaving us stranded and disregarding our safety concerns. 

Following these events, I discovered that my car was not registered for almost three months, and upon its return, it exhibited further mechanical issues, breaking down once more at my house. 

In light of these ongoing challenges and the apparent violations of the Truth in Lending Act, I must exercise my right of rescission. Which I never received. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I, XXXX XXXX XXXX, am writing to bring to your attention a significant matter regarding my credit profile. Over the past three years, I have fallen victim to multiple instances of identity theft, resulting in numerous compromised credit accounts. In response to this unfortunate situation, I have taken necessary steps to notify all credit services and creditors to cease reporting these accounts on my credit profile. Additionally, I have filed an FTC report as supporting evidence.

Regrettably, the continued reporting of these compromised accounts on my credit profile has left me with no choice but to pursue legal action against the credit services involved. It is important to note that individuals and entities persisting in reporting these fraudulent accounts may potentially be named in the pending lawsuit for violating the Fair Debt Collection Practice Act.

Therefore, this correspondence serves as an official notice urging the immediate cessation of reporting any fraudulent accounts listed. I hope for your cooperation in rectifying this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened new checking account PNC bank on or around beginning of XXXX. Everything was good made some larger deposits in form of checks. Fast forward to about XX/XX/XXXX and found out account was frozen ( debit card declined ). No letter no email no nothing simply just frozen. Called many many times and all I got was could be 90 days thats it no chance to prove its all legit nothing. So now they have {$3000.00} approximately and no timeline. I could legit prove each transaction but no one wants to hear. PNC bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
these accounts are not mine

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 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following account CAVALRY PORTFOLIO SERV Acct : XXXX citing various violations. My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language ( contravening 15 U.S.C. 1692d ( 2 ) to deceptive debt collection tactics to harass, oppress, or abuse ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 20 days will compel me to escalate the issue to the United States District Court, XXXX XXXX of Georgia. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that Portfolio recovery allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If Portfolio recovery had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with GM Financial and XXXX. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies GM Financial has reported on my credit report. 

On XXXX XXXX, XXXX I have sent a letter directly to GM Financial and XXXX asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. 

As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: MI

Complaint narrative:
. I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REPOSSESSION ) XXXX XXXX XXXX XXXX XXXX XX/XX/2017 ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 15 U.S.C 1681 section 604 A. section 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 : 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have banking relationship with Bank of America more than 25 years.. I have checking and saving, credit card accounts with them. My problem starts with wire transfer of {$30000.00} to crypto investment website to : XXXX Bank of American refuses to wire transfer the money saying it is a scam site. XXXX XXXX from Bank of America fraud department called me an put my account on restriction. I can not withdraw any money from my account. Because of this, I suffer the following financial loss as result of their account restriction : 1. I signed a contract with XXXX XXXX to fund my account for {$30000.00}. The website is suing me for failure to fulfill my contract. They said they XXXX appeal to the court to frozen my real estate, cars and fund.I have document to prove this. They have forfeited my account money with them. My loss is {$1400.00}. as of XXXX XXXX XXXX I suffered loss of late charge from my other account such as XXXX {$50.00} Bank of America has not right to say I wire transfer to XXXX  is a scam site.It is not up to them to determine which is a scam site. 

I am asking them to pay for my loss of {$1400.00} for putting account under restriction.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
on XX/XX/XXXX  capital one Bank in formed me XXXX XXXX XXXX that XXXX XXXX XXXX leveled a restriction on my XXXX personal account alleging I transffered {$600.00} U S Dollars that was not accounted for in my pension payment. I was forced to close XXXX as a result. the attendant mail me {$14.00}? XXXX via cashiers check. My complaint is that Capital One is holding my checks for 7 days in addition to XXXX XXXX XXXX 's get tough policy to run me from that bank Capital seems to put place holding policies that exasperate my issues with XXXX XXXX XXXX

Company response to consumer: Closed with explanation