vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am currently unable to transfer points to any transfer partners through Capital One. I have a VentureX credit card. 

I am able to get into my account with 2 factor authentication through text. I then go to my rewards, click on " Convert Rewards '', and then as it says my phone number is " not a point of contact '' even though it's always been the same phone number on my account. I am not even offered a different option for verification, as it prompts me to call customer service at XXXX. After over an hour talk, I am still unable to complete this, get a code, and make it work. 

I have called all week and no resolution other than we are working on it. They assured me this was not an issue with my device but something across the board. No solution, voucher, or any other remedy were provided for me. They are withholding my assets against my will, with no help or resolution. I'm asking to please step in and help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Received {$100.00} Amex digital gift card from the company I work for as a XXXX bonus on XX/XX/13. 
Tried to use card 14 different places and each time declined, even though balance shows {$100.00} and all info was provided. Amex tips on how to use were no help, card continued to be declined everywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I had a XXXX XXXX account that has been closed. The account has a remaining balance of payments managed through Genesis FS card services which is now known as Concora Credit. I have a payment arrangement for the outstanding balance this payment arrangement includes only one payment per month. I did not authorize multiple payments per month due to my financial hardships. I have noticed that Concora Credit has an unethical and possibly illegal business practice of charging two payments at a time. I spoke with a representative who asked if I authorize a payment of {$210.00} on XX/XX/2024 however I was charged the same amount twice. On my bank statement, I see two payments-one for {$210.00} to Concora Credit and one payment of {$210.00} to Genesis FS card services which is interesting. I called Concora Credit and brought this to their attention but they told me they could not refund the extra payment after they confirmed that they had taken more than one payment. I assume they see this as a legal and ethical business policy. I tried to dispute it with my bank but they told me to reach out to the Concora Credit. They told me to reach out to the Concora for a refund am filing this complaint just in case they still refuse to refund the extra payment and because this has happened to me before. I think Concora Credit does this to all their customers which should be illegal. It's like stealing from customers and saying well you owe us anyway. Please assist me with getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 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 2024-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo suspended my account and said I had to upload a photo of my government ID. I provided this, as I had done before years ago, but they did not unsuspend my account. instead they requested a video of me holding my ID. I requested an alternative method for verification as I take my privacy seriously and can not provide a video of myself to an unknown person. I can find no references to this requirement in any know your customer regulations or other industry standards. I again asked for an alternative method of verification which they declined. My account is still suspended and I can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I am composing this urgent correspondence to implore the intervention of the Fair Debt Collection Practices Act ( FDCPA ) to halt the illicit foreclosure proceedings that are currently targeting my residence, which is presently in a state of pre-foreclosure. These proceedings have been relentlessly pursued by Real Time Resolutions , Inc., headquartered in XXXX, Texas, and XXXX XXXXXXXX XXXX, based in XXXX, California. It is pertinent to note that the fraudulent Home Equity Line of Credit ( HELOC ) account, complete with fabricated and forged signatures and fingerprints, was initiated XXXX  years ago. 

I have lodged formal complaints with several authoritative bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission ( Account number : XXXX ), the California Attorney General 's Office ( Case number : XXXX XXXX ), and the XXXX XXXX XXXX District Attorney 's Office ( Case number : XXXX ), in addition to corresponding with the California Secretary of State, XXXX XXXX XXXX XXXX Regrettably, my efforts have brought to light discrepancies, such as the discovery that a notary public had misrepresented her last name. Furthermore, I reported these egregious acts of fraud to the Federal Bureau of Investigation ( FBI ) on XX/XX/XXXXXXXX XXXX XXXX  and despite numerous interviews, the FBI has not pursued the matter, citing a statute of limitations related to the financial crimes committed nearly two decades ago. 

The financial toll resulting from this duplicitous conduct, which transpired in XX/XX/XXXX and XX/XX/XXXX, amounts to a staggering {$180000.00}. Moreover, the perpetrators made regular interest payments for 27 months to conceal their actions. To compound matters, the fraudulent HELOC account was sold to a debt collector by XXXX XXXX XXXX XXXX XXXX, leaving my wife and I ensnared in a web of deceit and accruing interest. 

In light of these distressing circumstances, I urgently implore your immediate intervention to engage the debt collector, XXXX XXXX, to halt the impending foreclosure proceedings scheduled for XX/XX/XXXX XXXX XXXX 

Sincerely, XXXX XXXX and XXXX XXXX Homeowners of XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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:
I am writing to bring to your attention an unresolved matter with Experian, a credit reporting agency, regarding inaccurate information on my credit report. On XX/XX/2023, I contacted Experian regarding discrepancies in my credit report, specifically related to the following accounts : Account : XXXX  XXXX Account Number : XXXX  Date Opened : XX/XX/2023 Balance : {$160.00} Account : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$340.00} Despite my initial contact with Experian on the mentioned date, I have not received any response or resolution from them. The inaccuracies involve accounts that were never late, and I believe it is imperative that this incorrect information be promptly corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My Experian Report Number Report # XXXX. 

Account name XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$6500.00}. 

Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX This is a communication that I am disputing this account that is illegally defaming my credit report and is violating 15 USC 1681b, 15 USC 1692.

I need the original contract with the original Creditor of the alleged debt with my signature. I also need payment history with the original creditor and I need proof of assignment.

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 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: GA

Complaint narrative:
-Remove fraudulent Inquiries from Credit Report 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 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 2024-01-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention the unresolved issues I have encountered with Equifax concerning inaccuracies in my credit report. On XX/XX/XXXX, I initially contacted Equifax to dispute the following incorrect information on my credit report. Despite the passage of time, I have not received a response. The details of the inaccuracies and the necessary corrections are outlined below : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} This account is not mine. Please remove it from my credit report. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance is inaccurate. I dispute the amount and intend to contact the creditor directly. Please mark this account as disputed until the matter is resolved. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX  This account is not mine. Please remove it from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX  This account is not mine. Please remove it from my credit report. 

XXXX XXXX ( Account XXXX ) Date Opened : XX/XX/XXXX Balance : {$490.00} This account is closed and charged-off. The reported balance is inaccurate. Please mark this account as disputed while I resolve the matter with the creditor. Additionally, verify Date Opened, Date of Status, and First Reported. 

XXXX  XXXX ( Account XXXX ) Date Opened : XX/XX/XXXX Balance : {$1000.00} This account is closed and charged-off. The reported balance is disputed. Please mark this account as disputed while I clarify this matter with the creditor. Also, verify Date Opened, Date of Status, and First Reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: GA

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 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 non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I received a denial for an auto loan on XX/XX/. This Notice of our Decision Letter states it was based on my XXXX Credit Report. Regardless of the reason for being denied I have the right to credit. Withholding my access to securities is securities fraud. This corporation USAA and XXXX are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Title 15 USC 1691a states it is unlawful for any creditor to discriminate against any applicant. The Truth and Lending Act protects consumers from inaccurate and unfair credit and billing practices. Reporting to a consumer agency is voluntary according to the CFPB. In fact denial of my right to credit caused me distress. There are no federal laws stating a credit score can deny my right to extended credit. 

XXXX XXXX XXXX, Beneficiary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: NY

Complaint narrative:
COMPLAINT AGAINST EXPERIAN CREDIT REPORTING : During XXXX- XXXX 2023 I filed a complaint against Experian Credit Reporting XXXX complaint # XXXX, but they never corrected the issue! Now they have retaliated and caused issue # XXXX : they now reduced my credit score from XXXX score to XXXX score. 

They have played with my credit report and credit scores for the past four years : they reduced my credit score that always has been XXXX, by XXXX XXXX points all the time, for no reasons. 
It seems that someone ( s ) is paying them to destroy my good credit. 

Attached are my XXXX REPORTING SCORE THIS MONTH AS AN EXAMPLE : XXXX POINTS DIFFERENT-GAP : 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 

Experian credit reporting must stop their retaliations, and must correct my true credit score.

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 2024-01-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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 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 2024-01-28 00:00:00
Product: Credit reporting 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:
PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT.US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was looking at my credit report from a credit rating agency. In that report, I noticed an open credit card from an institution that I have never previously transacted with. It appeared that the credit card was successfully opened in XXXX of XXXX. 

I called the institution to report fraud. They asked some questions regarding my identity ( e.g., name, number, address ) and then said they were going to refer this matter to their fraud department. 

Just to reiterate, I have never transacted with this institution and I have never held a credit card with this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Revenue Solutions
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Titan Revenue Solutions, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation