vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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: PA

Complaint narrative:
FCRA is clears stating that consumers credit report has to be 100 % accurate and complete. 

The following following Tradelines does not have date that is was closed. 

Account listed be are incomplete and inaccurate. 

This is a violation of the FCRA. 

XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX PA XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2023-07-29 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Related to case : XXXX Venmo/Synchony is lying and giving false information to CFPB. 

They billed me XXXX times for this charge, and only credited me twice. Therefore, they have billed me for something that was a fraudulent charge. 

I have called XXXX times to discuss this with Synchony/Venmo. They also DELETED all copies of the messages ( but I have proof since I screenshot them all ). I asked for them to tell me why this happened and it is always " escalated to corporate '' but it has been that way for years. I was rebilled this charge WITH NO INVESTIGATION DONE BY THEM which breaks their T+C. I legally demand a credit of this amount, and I also demand an answer WHY they decided to close my card once I demanded a proper response. CFPB, please read : they closed my account when I demanded to know why they rebilled me and deleted all prior messages. I have asked if I can sue or if I need to arbitrate, and they will not answer. This company is acting illegally, and they have been taking interest payments for invalid charges that they refused to investigate, have closed my account over when I try to find out why, and have harassed me since. CFPB is called the XXXX XXXX. I need protection.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Agency.

This letter is a formal complaint that you are in direct violation of my privacy rights.

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, 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 non-monetary relief
Consumer complaint received 2023-07-29 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: AZ

Complaint narrative:
This account was included in my XXXX XXXX  bankruptcy in XXXX, and should be removed from my credit. XXXX recently reported the loan as charged off on XX/XX/XXXX on Equifax, and that is incorrect. Last four of my ssn is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I paid my REI Credit Card bill of {$370.00} to Elan Financial on XX/XX/2022. The REI credit card account was then taken over by XXXX XXXX. XXXX XXXX began sending me a bill saying that I never paid my bill. Ive made calls to Elan Financial and theyve stated that they sent me a refund check that I never cashed and their records show the same. They refuse to reissue a check or better yet, transfer the {$370.00}. I have spent XXXX hours trying to resolve issue with Elan and XXXX. I have cooperated with ELAN and opened investigations and sent all necessary documents and they still refuse to refund my money that they state that they are holding and there is nothing they can do. Both will not resolve the issue. Elan has my money and REFUSES to cooperateI am beside myself.

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 2023-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: WA

Complaint narrative:
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.

Report Number : XXXX  Account Name : XXXX XXXX.

Account Number : XXXX Address Identification Number:XXXX The address associated is mine. 
The name on the account is incorrect. 
Ive been harassed by multiple debt collection age agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I placed an order on Wayfairs website for two stools and charged them to my Wayfair credit card. XXXX delivered the items ahead of schedule on XX/XX/XXXX. I was not home and I was not expecting the items until XX/XX/XXXX. I returned home on Tuesday ( XX/XX/XXXX ) and found only one box at the door. I immediately contacted Wayfair but did not hear back until until XXXX from their resolutions dept. Unfortunarely, I was out of the country until XX/XX/XXXX and did not see the message sooner. Upon my return I immediately replied and followed their instructions. They ask me for an incident report and I did. On XX/XX/XXXX they replied that they needed and actual police report. I call the local police report and asked them to do a police report. I told the police exactly what I told XXXX resolution dept. the police generated a police report number which I gave to Wayfair immediately and said it would take anywhere from XXXX business day to be available. I forwarded the info the Wayfair. They replied again and said they had to have the actual police report and then, they would process the return for credit on the stolen stool. Additionally they wanted the report before XXXXdays from purchased date or the refund would be void. I explained it would be impossible as I dont have any control over when a police report would be available and the XXXXdays would come before the time establishe by police when a report is ready. I am still puzzled why the obsession with the actual police report. I did not give them any new information that I hadnt given to Wayfair already and Wayfair already had the police report number the police had provided. I feel Wayfair is avoiding to process the refund and putting all these obstacles to avoid processing. Im tired of dealing with them and the associate assigned to this situation is less then willing to offer resolution.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: OH

Complaint narrative:
Hi there my name is XXXX XXXX XXXX XXXX. I am seeing on my credit report of a discover card with charges. I have never used this card and I have never seen this card. I would like this to be justified and removed immediately and the card account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
portfolio recovery is in Violation of 15 U.S. code 5 1681b permissible purposes of consumer report.

15 US code 1681a ( 2 ) ( b ).

Maximum Accuracy 15 US code 1681e ( b ) 15 USC code 1692F Violation section 808 unfair dept practices.

15 usc code 1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
provide proof of any verified information

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
CREDIT COLLECTION SERV. Account number XXXX. Date opened XX/XX/XXXX CREDIT COLLECTION SERV. Account number XXXX. Date opened XXXX XXXX, XXXX CREDIT COLLECTION SERV. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
provide proof of any verified information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified, It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : are fraudulent accounts 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 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
XX/XX/XXXX purchased vanilla gift card, loaded XXXX cash on card, for my teenager to use while I was on vacation. 
XX/XX/XXXX discovered card had XXXX of XXXX numbers, card will not work. 
XX/XX/XXXX called XXXX, on hold over XXXX min total, was hung up on XXXX. 
XX/XX/XXXX returned from vacation XX/XX/XXXX called 3 times, finally spoke w/someone. Emailed copy of card and receipts. Told they would mail new card. 
XX/XX/XXXX follow up call, told they are still investigating, will have decision on XX/XX/XXXX XX/XX/XXXX follow up call, asked personal info, told still investigating. I questioned why, when proof of cash purchase and faulty card was provided. Internal investigation needed, and customer compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened Capitol One Venture X credit card account for the sole purpose of utilizing the advertised benefits that the card was offering, specifically but not limited to the use of Priority Pass and all inherent secondary attributes. Capitol One Bank vigorously advertised the Venture-X credit card in this manner in order to attract business. 

After opening the account, paying the substantial annual fee, and applying a modest balance, I used the card successfully for approximately 1 month. Shortly thereafter, locations which accepted Priority Pass benefits intentionally forbade and denied said benefits to its members ( in good standing and without warning ) that utilized the Capitol One Venture-X Card. Furthermore, Priority Pass discriminated against ONLY Capitol One members and no others, placing the onus of ethical integrity squarely on Capitol One Bank. Priority Pass offered no recourse and instead blamed Capitol One for its denial of advertised benefits. 

After reaching out to Capitol One to rectify the situation, which now was clearly misleading if not a blatant violation of implicit contract, perceived, real, or otherwise falsely advertised, Capitol One refused any relief. 

As such it is reasonable to assume through a preponderance of evidence that Capitol did engage in unethical and nefarious predatory lending practices in order to attract a specific customer base, capture substantial windfall monetary profits in annual fees and balance accruals, and thenceforth deny the benefits used to attract said customer base. Payments to a non-credible, malicious lender have ceased until a resolution can be obtained. 

Caption One has since engaged in a campaign of harassment, collection agencies, unrealistic fees, interest rates, and numerous negative credit reporting in order to extort the consumer into paying. 

Capitol One has has refused to rectify the situation despite the consumer ( me ) reaching out in a good faith effort to pay the balance to zero without penalty and relief from the contract which no longer is as advertised. I have verbally advised Capitol One Bank of my intent to file a regulatory complaint, to which they did not change their position.

Company response to consumer: Closed with explanation