vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 

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 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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022 I initiated a balance transfer from Capital One to XXXX in the amount of {$1000.00}. However, a mistake was made by XXXX or myself, I'm not sure, and another transfer was sent from Capital One to XXXX in the amount of {$3600.00}. This transfer was intended for my XXXX card. Capital One accepted both transfers and I ended up with a credit of {$3600.00} and a {$0.00} balance on a credit card that only had a limit of {$1000.00}. I contacted Capital One to ask them what happened, why would they accept an overpayment by almost 4 times the credit limit and what could we do to remedy the situation. She said they would have to cut me a check for the overage which I said was fine. A few days later my account was 100 % restricted and now being investigated by their fraud team. They told me they needed my ID and proof that the payment came from me which I did the same day I received the email. They wanted a copy of my statement proving the payment. However, since the payment was so recent, it wasn't showing up on my statement yet so I sent them a screenshot of my account showing both payments : {$1000.00} and {$3600.00}. Days passed and I didn't hear anything and my account was still restricted. I called them back which they then told me they wouldn't accept the screenshot. I had no other way to prove the payment came from me until my statement came out. As soon as I received my statement showing the payments, I sent it to Capital One. Again, I heard nothing back from them so I called. I was told the statement wasn't good enough because it didn't show my account number. I asked if I could send a photo of the front and back of my credit card in which the payment originated. He said yes and this would be the last time I would need to contact them. It's 4 days later and the account remains the same. I called again today and I was told it would take ANOTHER 7-10 DAYS to review my account. 

This is positively ABSURD. Capital One received the payment from my other credit card XXXX. I've sent them AMPLE information to prove this payment came from me which is also ABSURD. I don't care about my account with Capital One. As soon as this is resolved I'm closing my account and putting them on full blast on social media and anyone else I can affect their business with the truth of my experience. What I want is MY MONEY BACK. They owe me {$2600.00}!!! That money was intended to pay off another credit card and because they are holding it without cause, I am now paying interest on that money. I've done everything they've asked me to, the same day they ask me. NOBODY has reached out to try to resolve this situation, it's me reaching out to them a minimum of XXXX times. What they are doing should be illegal and they should be charged with a crime. 

Please help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax added inaccurate late payments to a nelnet account after they removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an account with Macy 's Department Store for approximately 7 years and have never been late in 7 years. Macy 's cancelled my auto pay in or about late XX/XX/XXXX to XX/XX/XXXX. I did not make that request to cancel my autopay. Macy took it upon themselves to cancel my Auto Pay and failed to notify me. Macy 's also failed to notify me that my account was reaching 30 days late. When I contacted Macy 's, the representative told me that they are not obligated to inform me of such. I've always had my account on auto pay to avoid ever making a late payment. There was always money into my account to cover all payments, so I was never concern about ever getting a late payment because of my auto payment for the past 7 years. 

I have reached out to XXXX to dispute the errors Macy 's place on my account and Macy 's confirmed with XXXX that the error was correct. 

On XX/XX/XXXX, at XXXX pm, I called Macy 's to get information on my account. Macy 's account representative refused to give me any information, refused to provide me with an email or phone number to contact that department and was very rude. Once again, another Macy 's representative told me that Macy 's is not obligated to inform me about anything regarding my Macys account. Macy 's flagged my name in the system to speak with me regarding my active account. Macy 's is retaliating because I exercise my right to file a complaint.

Macy 's claim that they tried to withdraw the money from my account, and it didn't go through. According to my bank statement, the account had sufficient funds to cover the amount Macy 's claimed to attempt to withdrew.

Macys Credit Card is the worst along with their customer service. Macys incompetent system ruined my credit score because of their error. 

Macys has failed to reverse the erroneous report and has damaged my credit score from around XXXX to XXXX. Macy 's is responsible for the damages done to 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 non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This account is not mines and was opened in identity and fraud on my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, XXXX gave me a hard inquiry on XXXX XXXX, 2021. I have spoken to XXXX and transunion a few times about this matter which they agreed to remove it off my file as this is fraud/identity theft and was never authorized by me in anyway.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX  XXXX {$1900.00} - - - XXXX XXXX XXXX XXXX XXXX {$170.00} has violated my rights. 
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 permission

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$170.00} has violated my rights. 
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 permission

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ME

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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX 1581 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 or information, other than records of conviction of crime 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 know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
I received letter dated XX/XX/XXXX stating payment was due on XX/XX/XXXX and a courtesy plan was set up. I was never advised I could verify or dispute debt. In addition, I have made a payment on XX/XX/XXXX and I asked the representative if there would be a follow-up letter sent out in regards to the payment and she stated it would. I never received the letter. I fortunately saved the previous letter and called to make a payment on XX/XX/XXXX and asked the representative about my previous conversation with the representative and he told me that they do not send out multiple letters unless there is a payment arrangement set up and I asked, How can I verify what is due and the payment amount. I advised that typically collection companies will send out some form of communication regarding the debt he advise that their company does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received letter from XXXX XXXX XXXX saying I owe {$180.00} to banana republic ( Synchrony Bank ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a banana republic account

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 2022-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over two years ago I contacted Experian regarding my account with XXXX XXXX that was opened in XXXX. This account had many delinquencies that began in XXXX after my brother passed with no life insurance resulting in me taking on responsibility for a funeral debt in addition to other personal issues that ensued me from fulfilling my obligation to make timely payments to XXXX XXXX XXXX Fast forward and almost 10 years later, this account is still on my credit report to negatively impact my credit. 

I paid XXXX XXXX every cent that I owed them which included all the exorbitant late fees for their harassment in XXXX. I disputed the presence of this account still on my credit report with Experian and XXXX XXXX about two years ago to no avail knowing that the fairness of " up to 7 years from the date of first delinquency '' would mean that the account could be removed now or at the latest in XXXX. However, I was met with resistance and fraud on the part of both Experian and XXXX XXXX and there was nothing I could do but continue to suffer the consequences of the negative reporting. Experian reports " Data Unavailable '' instead of what should have been a late payment. I'm sure they know this because I brought it to their attention. And just last year Experian was reporting XXXX more late payments than they are this year ( a provable fact ). Now the late payments on my report for the months of XXXX, XXXX and XX/XX/XXXX are filled with dashes ( - ) to indicate " Data Unavailable '' when last year they showed " RED 30 Days Late ''. Isn't this FRAUD? This seems to be the same thing they did for the " dashed '' or months showing " No Data '' for the years XXXX and XXXX. Isn't this FRAUD? Isn't this so that this negative reporting can stay on my credit report longer? Does Experian get paid more for allowing creditors to do this? This is wrong and unfair. 

And when does the " Up To '' 7 years from the date of first delinquency get considered. Who gets the benefit of this privilege? What circumstances allow this? I pray that the Federal Government will come up with a way to ease the burden of this type of discrimination and fraud.

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 2022-04-25 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: FL

Complaint narrative:
I was provided false information about the program XXXXXXXX XXXX XXXXXXXX XXXX XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX resort in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
I was provided false information about the program XXXXXXXX XXXX XXXXXXXX XXXX XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX resort in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was notified on XX/XX/22 via my credit monitoring service that an inquiry was performed via Experian, for a credit card issued by XXXX XXXX XXXXXXXX. I have not applied for credit with XXXX, so knew at that moment that I was the victim of identity theft. I attempted to access my credit file online ( www.experian.com/disputes ) to file a dispute for the inquiry. Upon entering my information ( name, social security, DOB, address ), I received an error message stating that " Experian was unable to properly identify me from the information provided ''. I called Experian today, XX/XX/22 and was able to successfully place both a freeze and fraud alert on my account, via the automated phone system. I then spoke with an agent who was able to open a dispute for the XXXX inquiry. The rep then transferred me to the person who supposed to fix my online access, so that I could log into the account online to look for additional errors. The agent stated " that my account had been inactive. She would delete the inactive account and I can create a NEW account ''. I questioned her several times on whether or not I'd be able to create it, since the system was not recognizing the data points that I was entering ( social, DOB, address, etc ). She reiterated that I would have no problems creating a NEW account for online access. I created a NEW account and upon entering my information, I got a message that " my password cannont contain my email address '' - which it DIDNT! I then had the option to upload several pieces of documents to confirm my identity. I uploaded my government issued driver 's license, and current bank statement confirming my address. I then received another " error message '', stating " we were unable to upload your documents successfully '', and a mailing address was provided to mail my documents. I called Experian back and NOW I'm unable to actually get a live person to assist me. As the consumer who is now the victim of identity theft, I should not have to JUMP THROUGH HOOPS to access my account online, to check for inaccuracies! I need someone at Experian, who actually KNOWS WHAT THEY'RE DOING, to fix the issue that's preventing me from logging into my account online, to view my credit report and submit disputes, as necessary.

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