vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XXXX of XXXX I purchased a bed from XXXX XXXX through their Synchrony credit line. I immediately paid my account off whenever I utilized. Initially we were having problems with them sending the bill to the correct address after updating it with them on several occasions. Recently, I wanted o take advantage of another one of XXXX XXXX sales and contacted XXXX of the sales representatives that always helps me in my purchases. When the representative went to make the purchase he discovered that my limit had been decreased without me being notified. It was my understanding that I had the same limit since I opened the account. When we tried to speak to Synchrony in reference to this matter they stated that they were merchant services and I would need to speak directly to a customer service representative. In speaking to this representative, I was told that they would have to run my credit again for an increase. The representative also could not tell me if it would be a soft pull of credit or hard pull. They just kept saying that they had to rerun my credit. So, I am now concerned because I again was not made aware of a credit decrease and my understanding is my limit was the same. I have used my card when needed and have not had problems before. What truly has taken me aback is my account being in good standing and the unknown decrease in credit. I have not received any information that speaks to a decrease, let alone have I received a bill from them since my account has been paid in full for some time. When I tried to increase the limit back to the original amount that I was approved for I was denied. I asked the representative to lose my account because there was no use for an account that I could not utilize to pay for the goods that I wanted to purchase. Again, I just purchased multiple things from XXXX XXXX prior to today XX/XX/XXXX. I as a consumer should not have this inquiry go against my credit when I was initially told that I had a certain line of credit and paid the account in full before any payment was due. Synchrony is tarnishing the positive relationships that XXXX XXXX has with those consumers who are repeat customers who have paid their account balances in full. Please note that the XXXX XXXX representatives are the reason my family continues to come back. We have been loyal customers with XXXX XXXX over 20 years.

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 2022-08-23 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: OH

Complaint narrative:
Equifax Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX XXXX XXXX {$3500.00} XXXXXXXX XXXX XXXX  : {$2100.00} XXXXXXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX {$820.00} XXXXXXXX XXXX XXXX : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
We refinanced our home over 18 months ago XXXX never recorded our mortgage satisfaction, now we are in the process of selling and our buyers title company has an issue with the mortgage satisfaction not being recorded even though we have full loan payoff paperwork and are 100 % current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I had XXXX call XXXX today and they said he had a separate loan he was calling to update my application so I talked to a agent I explain what was going on that I needed to change so things he said he would update it for me I gave the information he stated that I needed to send a copy of license because it was not clear I said okay he stated someone would call me to go over new rates I believe this is racial profiling my application was incomplete I have confirmation I have till the XXXX XXXX to reply I update my info I also have a co signer also on application

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, XXXX was contacted and XXXX XXXX refused to provide proof to validate debts and refused to remove inaccurate, derogatory reports from credit bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681section 602 states I have the right to privacy.

15 usc 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.. 
15 usc 1666b ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX Date XXXX Balance : $ 84.00-Late/Open Late Date 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 2022-08-23 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: MS

Complaint narrative:
I reviewed my report and I do not recognize these inquiries as mine nor the information being reported as mine. I am aware that they have violated several of my rights! My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please see attached documents as well my identification as it contains my full complaint and my request.

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 2022-08-23 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 — Problem with personal statement of dispute
Company: Uplift, Inc
State: CA

Complaint narrative:
Uplift , Inc An account has been charged off but still continued to report on my credit report a negative XXXX XXXX XXXX  - Account charged off continued to report negatively after they were paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CA

Complaint narrative:
Experian credit reporting services consistently every 90-120 days intentionally with no notice on Experian credit services site intentionally decreases my fico score by exactly XXXX points for no reason at all from XXXX high goes down to XXXX, while my XXXX & XXXX credit scores consistently go up*Experian credit reporting agencies have Been consistently reducing my GOOD CREDIT RATING FOR NO LEGITIMATE REASONS WHENEVER THEY FEEL LIKE IT & Furthermore, I pay all my revolving credit cards ONTIME Each month, never late*Experian needs to cease & Decist false reporting my excellent credit ontime payments & Experian credit reporting agency needs to give This XXXX XXXX XXXX VETERAN  XXXX XXXX XXXX BACK HIS PLUS XXXX FICO SCORE POINTS THAT EXPERIAN CREDIT REPORTING STOLE FROM HIM FOR ABSOLUTELY NO REASONS THAT THEY CAN PROVE IN WRITING*ALL OF XXXX XXXX XXXX CREDIT CARD REVOLVING ACCOUNTS ARE PAID ON TIME WITH EXCEPTIONAL CUSTOMER PAYMENT HISTORY AND EXPERIAN CREDIT REPORTING AGENCY NEEDS TO BE ADVISED THAT EXPERIANS AUTOMATED SYSTEM REPORTING MY EXCEPTIONAL PAYMENT HISTORY NEEDS TO BE FIXED IMMEDIATELY*

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 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/22 XX/XX/22 XX/XX/22 I contacted transUnion about a account investigation even called Numerous times, the account never been updated or investigated. Account XXXX 15 U.S.C 1681 section 602 A. Section 2 states I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 its also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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 2022-08-24 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: LA

Complaint narrative:
XXXX XXXX XXXX, on XX/XX/XXXX and again on XXXX they say was last activity. It depends on which credit reporting agency youre at and when you looking at them. The amount goes from XXXX, to at one time we only XXXX. XXXX. Also to brought the car. Not to mention the car was upgraded to leather by the dealer including seats, doors but not included in sale price of of car. I requested information but denied all information of sale of car. Requested all information not received. 
XXXX That was a paid in full timeshare that was not put up for collateral. Once new owners took over We were not allowed too any meeting for the fact that we were married and our husbands were not on the contacts and we were separated from them. So now they had disconnected phone number to get in contact with them to discuss anything about this XXXX. That was we request a signed contact and validations of XXXX this has not been verified. When I called the number is a non working number, then they replace it with a another number that was the wrong department when I called them. And when I got in contact with them it was still in the wrong department. 
Under the fair credit report act 15 USC1681 I have the right to privacy and I did not give permission to anyone to release my information to anyone, therefore my rights were violated. 
XXXX XXXX I paid them in full with 18.6 interest and the reporting it as a charge off.

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 2022-08-24 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: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-08-24 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: CO

Complaint narrative:
I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Equifax Credit Bureau. They responded to the complaint but are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Equifax compelling me to give out my Social Security Number which is a violation of the Privacy Act of XXXX. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least 1 agency has delete both fraudulent accounts so again they are reporting inaccurate. I demand they correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sold a guitar online : XXXX  Check was sent for the cost of the guitar plus shipping via a service that was shipping other items for this individual : XXXX Check was deposited in my account. XXXX day later, the balance is up XXXX making me believe the check cleared. 
Sent the money to the shipping service via XXXX minus the cost of the guitar : XXXX Check bounces this afternoon. Money is already gone from my account. No fraud recourse from my bank, Bank of America, or XXXX because I participated in the scam.

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 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Butler and Associates, PA
State: KS

Complaint narrative:
Is claiming to be collecting a debt on a pager from over twenty years ago. 
Sent falsified Court documents to XXXX and are garnishing my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX US DEPT ED, Account # XXXX 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 non-monetary relief
Consumer complaint received 2022-08-24 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: CA

Complaint narrative:
I moved and canceled XXXX XXXX cable. I paid my bill up to the time where my service period lapsed and I was paid up. 

I was informed despite never agreeing or being told that XXXX does not prorate and would charge me for a full month of service I did not use. I decided I'm not giving a large corporation a free month of service and never received any prorated refund, which is incredibly common and simple for a large company of their size to implement. 

I have since received a derogatory mark on my credit score. I won't pay this, they have a monopoly on the area and take subsidies from the government and then won't even do a simple prorate when you cancel service because you moved. The price of the service is high compared to many other countries yet speeds are slower and not sychronous, why? Why do I pay more and get less AND I'm expected to pay for a full month of service when my period lapsed by a few days. 

I refuse to pay it and will dispute it until it's resolved or is pulled from my report. All utilities should automatically do prorates since people do not know when they will move and can not predict it exactly and it should be illegal to write this in any terms of service. I was never informed of this and signing a long, complicated legal document for the only provider available in what is effectively a monopoly is should not be binding when unreasonable ( no prorating policy is unreasonable ).

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 2022-08-24 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: IL

Complaint narrative:
In XX/XX/2021 I went to the local car dealership XXXX XXXX XXXX in XXXX Illinois and with my wife applied for a loan to purchase a XXXX XXXX XXXX They found a loan XXXX XXXX ' to take on us as to purchase the suv. On my credit report I have 9 hard inquiries. I am under the impression that when you apply for a loan within a short amount of time, your score shouldn't be affected greatly after the first initial ding. I thought that as we were 'shopping ' for rates they wouldn't all show up as hard inquiries. They also seem to show up as 2 hits for a credit union. 2 hits for a bank ( same bank ). We have some things coming up that we will not be able to do if it shows that many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX notified me on XX/XX/22 that a Bank of America credit card was opened in my name. I never applied for the account. I called BofA and they closed the account. Today I received a letter from BofA dated XX/XX/XXXX, saying that they are pleased to inform me that Ive been approved for a Bank of America credit card. I did not apply for this account either. How many times will I have to call BofA to close these fraudulently opened accounts?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief