vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have a credit card with Upgrade. I received an email from them on XX/XX/2023 stating that my payment did not go through and they would attempt again in 4 days ; I did not need to do anything ' ( see attachment 1 ). I had set up a checking account with Upgrade with a direct deposit that was enough to cover the payment to make the payments. So I called immediately and was told it was an error on their end and it would be taken care of. I received a second email later that day ( see attachment 2 ) stating 'Your automatic payments have been XXXX due to your delinquency exceeding 75 days past due. Any future scheduled automatic payments have been XXXX. ' I had no idea my account was past due ; the person I spoke with earlier said nothing about it so I called again and was told it was a billing error on their end and it would be taken care of in 2-3 business days.

I watched my account and emails closely. Now there was a message on the app that stated 'Your account is currently ineligible for new draws. Please refer to our email communication for more information '. Once again I was told the error was on their end and it would be taken care of in 2-3 business days. This went on for several weeks ; every time I called I was told the issue would be taken care of in 2-3 business days. Finally, I closed the checking account and put all the money to the credit card. I then found out that card was not able to be used because Upgrade checked my credit score and said the card could not be used because of my score. I then found out that Upgrade filled a notice with the credit bureau that my payment was past due by {$6.00} ( no one told me when I called and it was not mentioned in any emails ) and that notice by Upgrade LOWERED by credit score by more than 20 points. And they used the lower credit score ( which they caused to happen ) to discontinue use of my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

Account : XXXX XXXX XXXX  Account 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 explanation
Consumer complaint received 2023-02-22 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: PA

Complaint narrative:
Fruad accounts and inquiries appearing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing 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 non-monetary relief
Consumer complaint received 2023-02-22 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: TN

Complaint narrative:
These accounts and inquiries were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am a victim of identity theft and someone has opened a fraudulent Chime account using my personal information.I received the card from chime with the account information on XX/XX/23 in the mail to my home address. I immediately called Chime and attempted to mark as fraud and requested that it be closed but I was refused by the Chime person on the phone since I could not verify the fraudulent email address in which the account was opened under. I was told that the call recording would be submitted to their fraud department and I would receive an email ( to an email address I provided ) within 24 hours confirming that the account was closed. Today, XX/XX/23, I have received no correspondence from Chime regarding the closing of this account. 

I called Chime again today, on XX/XX/23. I informed them that I have not received any email from them and would like to mark the account as fraud and request that it is closed out. Chime confirmed my ( actual ) email address and re-sent another email that I never received. 

Chime is very difficult to work with and I feel like as a victim of identity theft I am having to jump through hoops to get help to mark the account as fraud and close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: GA

Complaint narrative:
Please remove the following unauthorized inquiries from my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The below credit inquiries were done without my consent and are unauthorized and try to dispute direct with Equifax and they did not remove. 
XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, Im contacting the consumer protection financial bureau in regards to Chase Bank. Chase has decided as a business to end their relationship with me their banking relationship I would like for that decision to be reconsidered based off of the fact, my checking account has never been negative. There have never been any fraud claims on my account. There have never been any check fraud claims on my account. The reason why is because I keep my account maintain well I also have 4 credit cards with Chase so having a checking account, would make an extremely easy to pay my credit card. I am a serious customer as Chase can tell which is why I currently have four open credit cards with Chase so I would like my banking relationship with Chase to be reconsidered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Shut down as a company and sold the original contract. This debt has been charged off, this debt is not mine. Please forward original contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts and inquiries were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CO

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

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish am account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am trying to buy a house and its defamation to your character and livelihood. This is not my account. Spring Oaks Capital LLC. {$1000.00} is under collections. I had deputed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover closed my credit card due to inactivity without notifying me. I have been a customer of Discover for 20 years, have never made a late payment, and never even approached my credit limit. 

I received no notifications that this was happening, either by mail or email. No attempts were made to call me. 

They refuse to reopen the card, which was closed without my knowledge only 3 months ago. They want me to reapply for a new card. 

I have been damaged by this as the excellent credit history of the card has been deleted from my credit report, my total available credit has been reduced, which will adversely effect my credit score, and now have less actual available credit if I need it. Further, they want me to re-apply which will damage my credit score by adding an inquiry, and placing new credit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: AZ

Complaint narrative:
Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

Account : XXXXXXXX XXXX XXXX AccounXXXX 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 explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SYNCB/ XXXX XXXX This account is very inaccurate this creditor sent me information for another person. Ive attached the letter they sent to me of someone else 's information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account Name : XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions.

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2023-02-22 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: FL

Complaint narrative:
XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account Name : XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions.

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2023-02-22 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: NJ

Complaint narrative:
Experian Credit Bureau, fraud department, XXXX XXXX XXXX, XXXX, TX XXXX, back in XXXX, XXXX  I notice the following account on my credit report : 1 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX, Close with a balance of {$1300.00}, 2 ) XXXX XXXX XXXX Account # XXXX, Closed with XXXX balance 3 ) XXXX XXXX XXXX Account # XXXX, Closed XXXX balance 4 ) XXXX / XXXX Account # XXXX, Closed XXXX balance 5 ) XXXX XXXX XXXX XXXX XXXX, XXXX balance. 

I disputed all 5 fraudulent accounts with all three credit bureau, and is still showing on my report with Experian Credit Bureau,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
I signed a contract with Solar Mosaic through XXXX XXXX XXXX to install solar panels. 

Solar Mosaic approved me for the loan, however, they did not make me aware of the daily interest rate. 

The panels were installed in XX/XX/XXXX. They were NOT operational. 

Solar Mosaic started taking a little over {$200.00} starting XXXX of XXXX. 

The panels became commissioned and operational XX/XX/XXXX. 

However, of the over {$1800.00} I had paid to Solar Mosaic from XX/XX/XXXX to XX/XX/XXXX. It all has gone toward interest. At this rate, I will be paying interest for a few years before it start taking principal. 

I gave filed complaints with Mosaic, however, they would send a generic email stating XXXX XXXX is working on the issues. At this point, Solar Mosaic is stealing my money because having these panels have not decreased my electric bill at all. 

There is a federal lawsuit against XXXX XXXX and i have reasons to believe that Solar Mosaic knew of the fraudulent practices committed by XXXX XXXX. One reason being that XXXX XXXX would be paid by Solar Mosaic as soon as the panels are installed, not completed. 

Please help me out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MicroBilt / PRBC (formerly CL Verify)
State: MS

Complaint narrative:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

TRANSUNION, XXXX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) - Account # : XXXX have 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 response to consumer: Closed with explanation