vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: IA

Complaint narrative:
Dear Equifax This letter serves as the formal notice of my intent to file a lawsuit against Equifax for the many willful violations and/or negligence allowing inaccurate information to be on my Equifax credit report after several factual disputes filed by myself over the last 5 years. I have filed disputes online, by mail and phone clearly stating and providing proof of many specific inaccuracies on the XXXX XXXX XXXX account. 
Your replies to the disputes claim everything is accurate. I have gone through my entire account history with XXXX and 34 out of 65 months that are being reported are inaccurate. 
Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This is not my XXXX account, it is not possible to have 34 out of 65 months of inaccurate reporting and have it on my credit report saying that I own this account. Im requesting you to delete this account from my credit report immediately or I will initiate a lawsuit and pursue punitive damages of {$100000.00}. 
Your prompt attention is appreciated,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First is making all members to enroll in " Premier Checking ''. They are charging {$6.00} a month for this and all members who don't want it have to go into a branch to opt out. During a pandemic? This is ridiculous! No one should have to risk their life and well being to opt out of a service we never signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TN

Complaint narrative:
I have mail a letter in XXXX about this account and and I have not been giving any information. Transunion and XXXX have Violation of Privacy and inaccurate and unfair reporting. 

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Which main the transaction should not be report or include on my credit report. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX hit me hard and my life havent been same finically I had discover credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
To whom it may concern, My card was completely canceled during the time my card was charged. The bank allowed XXXX XXXX XXXX/XXXX to charge my card {$3500.00}. I went through all the steps to contact them that the key was lost/stolen at the time my rental ended. I was unable to get ahold of any one and after 3 months they had an investigator call me. I told the investigator exactly where the car was and they retrieved the car from the secure lot that it was left. They still proceeded to send me to court and I had let USBANK know that they had no right to charge my card that much. I could see if they charged me for lost key of {$300.00} but if they are going to charge me {$3500.00} they better ship me the whole entire car. USBANK did not do their due diligence in helping me with the case and per FDIC they are not protecting the consumer. I finally got a hold of management at XXXX/XXXX  XXXX and another manager XXXX that have verified that this incident is NOT my fault and we did in fact send an email and make several phone calls to XXXX/XXXX/. Due to COVID I experience high call times, and transfers and also hang ups at USBANK and XXXX/XXXX. I am reaching out to the FDIC for your help and finding a resolution as this is not right. I hope you find it in your heart to help with this issue as {$3500.00} is a lot of money and this issue needs to be resolved. 

Thank you for your prompt attention regarding this issue, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union has decided to change my checking account to a premium account without personally contacting me. This new account charges me {$72.00} a year without any okay from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: DC

Complaint narrative:
In XXXX, I called Discover and asked for repayment assistance on my student loan. Discover offered no repayment assistance and the customer service representative gave me false information, saying I could " pay one account at a time '' because " Discover doesn't report late payments to credit agencies. '' This false information clouded my understanding of their payment policies. On XX/XX/XXXX, after bringing my account current with a payment, I realized that my XXXX credit score decreased by 103 points, even though I've made 22 on-time payments. 

Discover 's zero-tolerance policy for repayment assistance and misinformation about payments and credit reporting severely damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received visa debit card in the mail for activation. I didn't request this card. My personal information has been stolen because I've also been issued an Unemployment Insurance PIN and I haven't requested unemployment benefits. I'm thinking whoever stole my personal information also had something to do with this credit card request. 

The card website is usbankreliacard.com

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is automatically upgrading all it's member 's checking accounts to a premium status which incurs a $ XXXX fee. You have not choice in the upgrade but must opt out of it once you are signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NJ

Complaint narrative:
Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error

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 2021-01-28 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: NJ

Complaint narrative:
Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NJ

Complaint narrative:
Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error

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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX, XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report 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 2021-01-28 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: OH

Complaint narrative:
To Whom It May Concern : First, they didn't reply in a timely manner to my initial letter and failed to provide me with a copy of any viable evidence, bearing my signature, showing the last payment on the account being reported accurately. 

I sent a dispute letter is a follow up to my original letter dated XX/XX/2020 regarding an inaccuracy in XXXX, Experian 's as well as XXXX 's credit reporting, regarding the entry being reported as a charged off account under XXXX # XXXX for {$21000.00}. 

XXXX to date has a $ XXXX class action lawsuit for unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. 

XXXX profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. I just want to start over and purchase my first home in 6 months. 

My credit will be in great standing after this is corrected. 

I sent this final goodwill attempt to have you help clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I have maintained a careful record of my communications with them for the purpose of filing a complaint with your organization. ( Consumer Financial Protection Bureau ). My next move is to contact the Attorney Generals office, should they continue their noncompliance. 

Thanks in advance for your assistance

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 2021-01-28 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: WA

Complaint narrative:
We XXXX and XXXX XXXX received on XX/XX/2021 a credit report showing credit scores below : XXXX XXXX XXXX XXXX XXXX XXXX We have asked on numerous occiassion for the credit burea to come to arbitration or court and they have found XXXX ways to get out of it. We have kept 10 years of paid receipts Rent, Car, Credit Cards, Utility Bills. When we dispute bills via certified return receipt that are fraudlent they refuse to goto arbitraion and or court. We would like to have each credit burea come to court and I will bring 10 years of paid receipts that show they have not been very honest or fair in their dealings. 

The credit Bureau who gave us the credit score is Experian XXXX XXXX XXXX XXXX Texas 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 2021-01-28 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: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. The reporting of these accounts on my report are in direct violation of 15 USC 1681 ( 2 ) i which specifically states what should be excluded from consumer reporting. This is a federal offense and has serious ramifications if not corrected.

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 2021-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report 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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I've reached out to Fortiva on numerous occasions, including by email, phone, and direct messaging/chatting from their webpage in regards to the account protection services that I've been paying for monthly for many years. This service is supposed to provide payment coverage during loss of employment. 

The company has refused to apply the service I've been paying for that they are still charging me for and has continued to try to draft money from bank account causing several overdraft fees. They also incorrectly reported late payments to the credit bureau because I was unable to verify the incorrect social security they put on my file. 

They are continuously calling my phone and will not allow me to utilize the services I've been paying for, charging me an outrageous amount of interest and late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Got served papers of judgement against me for unpaid medical bill. Called the company/attorney office on XX/XX/XXXX and spoke with XXXX. XXXX informed me that my balance owed to them is {$8300.00} and I was required to pay them $ XXXX/month until debt is payed. Explained to him my circumstances & that I wouldnt be able to pay that much. XXXX then proceeded to tell me that if the $ XXXX/month wasnt made that within 90 days my debt will automatically fall into default. XXXX then proceeded to tell me that a lien will be placed on my home and my wages will be garnished. I offered and paid {$50.00} on above date but didnt seem good enough for XXXX. Even though I explained that was my grocery money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well this incident happened when i was XXXX years old and now Im XXXX. So I used to have Bank of America and I was handed a check to deposit not knowing that it was a fraudulent check so it actually allowed me to pull money out after the check was deposited not knowing that it will cause an overdraft on my account. So at the time I was in high school and I just couldnt afford to cover the cost of the overdraft which affected my credit since then there hasnt been one bank that will allow me to have a checking account with them so ledger save my life has been really difficult without a bank account so please help me what am I supposed to do in the situation. I was taking advantage of And obviously at XXXX years old I have no idea what credit was and how it works I didnt know if I have this effect on me in the future so please someone help me.

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