vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXXn has an unwritten 'no cancellation ' policy, even in cases in which they rescheduled a furniture delivery 4 times. I must have placed at least a dozen calls to XXXX XXXX to cancel a dining room table called the " Benchwright Black Oak '' because the order was placed in XXXX of XXXX but eventually, was not going to be delivered until late XX/XX/XXXX. In XXXX of XXXX, I was getting ready to make a move to a new state and I thought I would reorder it there. Every phone call to customer service indicated that my cancellation of the order was legitimate, yet I kept receiving alerts of the order being 'moved out ' with the delivery as though it was still scheduled. I would call to cancel again, only to learn that no cancellation had occurred. There was no confirmation # or any kind of control #, so it couldn't be determined by me, the customer, whether the cancellation went through or not. Still, alerts of the delivery kept coming in on my Email and text. So first, I'd like to make the point that there are NO CANCELLATIONS WITH XXXX XXXX, ever. They should make that abundantly clear on catalogue items ( not special or custom orders ) at time of purchase. This was a catalogue item. So eitheXXXX XXXX XXXX has no warehousing options because their containers are unloaded and go straight to distribution for delivery. The end result is that I've been hit with a very large shipping, set-up, surcharge and tax fee for a delivery which never took place. XXXX XXXX XXXX Complaint XXXX XXXX did nothing to resolve this charge of {$510.00} with Capital One, XXXX XXXX XXXX new financial institution as of XXXX of XXXX, when filed on XXXX XXXX, XXXX. The original order was invoiced on order # XXXX and refunded on XXXX XXXX, XXXX. But the shipping, set-up fee, surcharges and taxes were still billed by Capital One since they would not reverse this charge for non-shipment of the dining table. If I read something recently correctly, after 2 attempts by a merchant to reschedule a delivery, I believe under the FTC that a customer has the 'right ' to cancel an order. In order to maintain my credit card in good standing, I've been paying the minimum monthly balance of {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 a 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 2022-02-23 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: AL

Complaint narrative:
In XXXX and XXXX of XXXX I filed a dispute with the major credit bureaus XXXX and Transunion about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent XXXX, EXPERIAN, XXXX certified mail via USPS. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX Account # XXXX XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX  XXXX, Account # XXXX XX/XX/XXXX of listed payment XXXX. XXXX XXXX, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER has violated my consumer protected rights. 
I, fully insured individual having extended an interest in my personal security as federal eligible obligation and right to credit was mistreated and harassed by the assignee DISCOVER and their deceptive, abusive and unfair practices.

I have sent dispute notices to DISCOVER regarding their alleged requirement to report to third parties with consumer consent and DISCOVER has responded by changing dates generic letters as responses. DISCOVER has disgraced me the consumer deliberately in violation of my consumer right of privacy, confidentiality in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act.

I spoke with account manager XXXX XXXX XXXX XXXX who alleged that the consumer had no right of privacy where third parties were concerned and DISCOVER could take consumer information and furnish it to whoever them wished. I demanded to speak to her Supervisor XXXX account managers on XX/XX/22, who after much effort to clarify the liability of DISCOVER failure to comply with STATE and FEDERAL laws that DISCOVER in effect has accepted liability and incurred itself a deficit of civil liability. XXXX stated he would escalate my complaint to executives regarding the asserted violation my right of privacy and confidentiality, in their willful dishonor of my cease communication via medium of credit reporting agencies as unauthorized publication of likeness pursing protection of State consumer protection laws as otherwise misappropriation of trade mark of collusion via invasion of privacy. 

DISCOVER has also misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves.

DISCOVER continues to evade respond genuinely regarding the injuries they have inflicted against me the consumer.

DISCOVER has engaged in illegal acts that has in effect voided the agreement. 

SEE ATTACHED CEASE AND DESIST NOTICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I had purchased 2 XXXX XXXX prepaid SIMs from XXXX using XXXX for payment who then changed my credit card with Chase for {$190.00}. XXXX XXXX refused to activate the SIMs. This was due to the representative limited access to their provisioning system and directed me to get my money back. A complaint was filed with the FCC on XXXX XXXX 's lack of competence ( PDF attached ). XXXX directed me to their website for a refund, however, they would not accept returns on open items which is unacceptable. XXXX had been useless in the past with refunds. I had used Chase 's online dispute process. Chase had credited and then rebilled the charges stating that XXXX found no billing error ( PDF attached ). This is untrue as XXXX 's website states there is a chargeback under review for an item not received ( PDF attached ). XXXX 's website is limited and is not capable of stating the actual issue of services not rendered and included 2 items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: GA

Complaint narrative:
I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are accounts that are misleading and incomplete. Therefore I request that you investigate these accounts listed below. 

XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$340.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have called and tried to pay this amount that is showing on my credit but when I log in it shows my balance is {$0.00}. They won't remove this from my report and it doesn't show I have an outstanding balance when I log into my account, they continue to harass me about a payment that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You broke the law To whom it may concern : I would like to state that XXXX is in violation of 15 USC ( 6816 ( a ) ( 2 ).

Which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer.I the consumer never gave XXXX any written consent to report anything on my consumer report. No Consent is identity theft. I have enclosed a identity theft report which states the accounts that are being illegally reported. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) that the banking system is dependent upon fair and accordance consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me to loose faith in the banking system.If XXXX was to continue to do business with me. They should delete these inaccurate accounts off my consumer report. 

Accounts : XXXX XXXX XXXX - Late Payment - XX/XX/2021 XXXX XXXXXXXX late payment Inquiries XXXX XXXX, XXXX XXXX and 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 2022-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureau Disputes XXXX This is the letter I tried to send to ALL THREE CREDIT BUREAUS XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to me For the past two years the three Credit Bureaus, such as, XXXX XXXX, XXXX, Experian I believe have targeted my credit report unfairly due to me being " XXXX ''. 

I have received reports where they have taken up to sixty plus points from my report with no cause. where as, when I pay off a creditor, they the three bureaus will add maybe XXXX point ; if that., This is not the first time I have written complaining about the injustice. I have talked with others minority ( s ) and they're saying the same thing is happening to them as will .... I have battled with being compromised from XXXX, had police reports and all and the credit bureaus ignored the facts. Now I am needing to battle with injustice. Again, each time points are taken from my reports, the returns are less then what has been taken. Please have someone look into this matter. It appears I am being targeted. XXXX XXXX XX/XX/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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Hello, On XX/XX/2022 I spent 5 hours trying to resolve an issue regarding a fraudulent payment. Serve is aware that Im being charged for a good I didnt receive and refuse to release my funds. These funds arent pending, theyre on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am natural living person, consumer ; I am submitting this complaint myself. There is no third party involved in this complaint. Experian has violated me numerous times under the Fair Credit Reporting act.

Pursuant to 15 USC 1681 a ( 1 ), EXPERIAN is impairing me because the banking system needs me. EXPERIAN reporting inaccurate and unfair reports under my name does injustice to me because the banking system needs me. This needs to be fixed in order for me to continue doing business with EXPERIAN.

Pursuant to 15 USC 1681 a ( 3 ), EXPERIAN has assumed the position in assembling consumer credit. You assumed this role, no government gave it to you. This role that you assumed has negatively impacted my life, you put a freeze on my consumer reports resulting in a halt of me NOT receiving credit cards that I qualify for. Experian is not a bureau and took on the role as one, all while violating my privacy which is a violation. You have caused me so much XXXX, severe hardship, and XXXX. 

Pursuant to 15 USC 1681 a ( 4 ), EXPERIAN has failed to uphold their grave responsibilities of reporting accurate and fair Information about me on their website. There are multiple names on my account, that are not me. Also their are multiple addresses on my account that do not belong to me. 

Experian took it upon themselves to freeze my account without my written or oral consent, resulting in the me not receiving a credit card from XXXX XXXXXXXX. I have been unable to get a credit card, which will be for the use of personal, and house hold purposes. You have impeded this for me, which is unacceptable and inexcusable. 

You also infringed upon my right to privacy by having a conversation with a third party, and reported the information as a result from that third party. I am demanding that all information regarding ALL accounts being reported, to report as " paid on time/paid ''. I am demanding that all inquiries past, present, and future be removed immediately from my 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 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original 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