vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  XXXX, I received an email from Upgrade : Your account was suspended Hi XXXX, Your XXXX XXXX XXXX  ending XXXX account has been suspended due to unexpected activity. You will be unable to transact on your account until this suspension has been lifted. 
Please contact Upgrade Customer Service on ( XXXX ) XXXX as soon as possible to resolve this suspension. 
Thank you, Upgrade Customer Service A few hours later, I called customer service and was told that they could see that my account was suspended but could not tell me for the reason for it ( their internal review department did not share that information ) nor a timeline for resolution ( when asked the customer service representative said that usually it does not take more than 30 days ). 

On XX/XX/XXXX, XXXX XXXX  XXXX, I called customer service to get an update. The representative XXXX XXXX ) could not provide me with any more information. I asked to speak to a supervisor ( XXXX ) who said that he could see that my account was being reviewed but did not have any more information on a resolution timeline. He said that he knew some people that worked in that department and would try to get more information from them. I asked him to call me tomorrow with an update and told him that I was filing a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
According to FCRA 605B it is illegal to report anything without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I never received any notice of debt. I disputed the inaccurate reported information and have asked to be provided with proof via receipt of certified mail proving that I agreed to pay this debt, including any and all documents with my signature. That information has not been provided and the collection is still reporting to my credit report. There are remarks from the dispute stating Meets requirement of the Fair Credit Reporting Act with no actual proof of the debt belonging to me or advising I agreed to pay this debt. If they can not prove that I owe this debt and send proof of my signature stating I agreed to pay them this debt, it is a violation of my rights and it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to follow up on a previous dispute regarding inaccurate information on my credit report. Despite my formal request for investigation, you have responded that the information in question has been verified and updated. However, upon reviewing my credit report, I find that the inaccuracies remain unresolved. 

This response is unacceptable and constitutes a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : Section 611 ( a ) ( 1 ) : You are required to investigate disputed items and correct or delete any information that can not be verified with 100 % accuracy.

Section 623 ( a ) : The information provided by the data furnisher must be accurate, yet the errors persist.

The inaccuracies in question include : 1. Incorrect dates.

2. Inaccurate balances. 
XXXX. Payment history errors.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to follow up on a previous dispute regarding inaccurate information on my credit report. Despite my formal request for investigation, you have responded that the information in question has been verified and updated. However, upon reviewing my credit report, I find that the inaccuracies remain unresolved.

This response is unacceptable and constitutes a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : Section 611 ( a ) ( 1 ) : You are required to investigate disputed items and correct or delete any information that can not be verified with 100 % accuracy.

Section 623 ( a ) : The information provided by the data furnisher must be accurate, yet the errors persist.

The inaccuracies in question include : 1. Incorrect dates.

2. Inaccurate balances.

3. Payment history errors.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information currently reported on my credit file by Truist Bank. Truist Bank was my original lender for a loan on my XXXX XXXX XXXX. However, as of XX/XX/XXXX, I successfully refinanced this loan with XXXX XXXX XXXX XXXX. Despite the refinance, Truist Bank is still requesting payments, which is incorrect since the account was settled and transferred to the new lender. 

Please investigate this matter and update my credit report accordingly, as it is essential that my financial records reflect the accurate status of the loan. I have enclosed copies of the relevant documentation, including the refinance agreement with XXXX XXXX XXXX XXXX, for your reference. 

Thank you for your prompt attention to this issue. I would appreciate written confirmation once the matter has been resolved.

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 2024-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: SD

Complaint narrative:
I am trying to get a replacement pre paid card after losing mine. I spoke with Imcomm and they requested I send them my proof of address, my state issued drivers license and a copy of the receipt from when I purchased the gift card- they gave me a claim number to send with the docuements. I sent those documents to them XXXX the claim number in the subject line as I was directed. They told me it could take 30 days and it would be reviewed in XXXX days. I called today XX/XX/year> for an update and they couldn't find the email where I sent the documents in, I was on hold for a very long time and they told me they will review documents, it takes XXXX days and can take 30 days to complete. I asked him if he could verify they received my documents and he wouldn't answer just told me he didn't understand what I was saying. I need a replacement card or a refund check for the remaining amount. The card is shut off, there is a large amount left on the card that should be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Made a payment on XX/XX/XXXX for {$940.00}. XXXX cleared on XX/XX/XXXX. Payment was marked returned on XX/XX/XXXX and I was charged a returned payment fee. I was not contacted by the creditor until XX/XX/XXXX when they called to tell me my minimum payment was due. I asked them why a payment was marked as cleared for over 90 days then suddenly marked as returned. All the information they could give was that it was returned for " closed account ''. I asked for the information about the payment, such as what account and routing number was used, what financial institution returned the payment, and all they could give was the date of XX/XX/XXXX and that it was returned for a closed account. I can not find any payment history on their website because they changed their computer system that handles my account, and they state the reason they don't have access to the information about the payment is due to the transition to the new system. They say the only information about the payment is that it was returned. I asked if I could dispute the charge for the returned payment and they told me my only option was to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
There were several attempts to contact this company concerning multiple issues with these accounts. Proof of applying for these accounts. I had requested that these accounts be closed once I found out about these accounts being opened. I then inquired of why the interest is consistently being charged and not charged off instead of continuing to accrue interest. I finally received statements looking for clues as to who opened these accounts. 

Instead, I am seeing that the account is not closed and is still accumulating Interest and Fees driving up the balance by {$420.00} per month. I have contacted Discover card company, and their customer service was not offering any assistance to solving this issue. 

In looking at the statement I did receive looks like the as of XX/XX/XXXX interest rate decreased to 24.74 % with a balance of {$63.00}. After this date ( XX/XX/XXXX they increased the interest rate to 25.49 % with a balance of {$18000.00} which is leading to the current balance shown as {$18000.00} increase in the {$420.00} based on the invoices I was able to get a hold of {$2000.00} due XX/XX/XXXX. Credit limit is {$18000.00} which is over half of my salary. 

My want to obtain legal representation due to this account was indeed opened in fraudulent manner and do not belong to me yet, during this time period absolutely nothing has been done concerning this issue and has yet brought my credit score done to a XXXX from over XXXX in score. I have fraud alert on my credit report, yet this has been allowed to get to this point in the matter of months due to the incompetence of Discover customer service. The last time I spoke to Discover the representative was very rude and had displayed the attitude of not wanting to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: American Finance LLC
State: PA

Complaint narrative:
I am requesting an 1099-c for a car that was repossessed in XXXX. It is written on my credit as profit loss and charged off. Refuses to do a pay for deletion even tho this was a straw purchase and I only got the car for an ex of mine who in writing say she was going to cover the cost of the car, I provided the company with this, the. I asked for a 1099-c because they wrote it off on their taxes as if I got the funds. I either need the 1099-c or this needs be removed from my credit. Its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Re : Account # XXXX Dispute of {$310.00} Charged by XXXX XXXX XXXX Dear Synchrony Bank Team, On XX/XX/XXXX, I engaged Honorable Appliance Repair to fix our XXXX XXXX. The technician identified a defective control board and completed the repair under invoice # XXXX for {$400.00}. 

However, the issue with the dishwasher persisted. On XX/XX/XXXX, we contacted XXXX  again to address the recurring problem. The same technician was dispatched and claimed the dishwasher was functioning properly, finding no defects. It is worth noting that the dishwasher, which was only two years old and rarely used ( approximately XXXX times per year ), continued to exhibit issues. 

On XX/XX/XXXX, during a home inspection in preparation for selling our property, the dishwasher was deemed defective. Lacking confidence in XXXXXXXX XXXX XXXX XXXX we hired a different service provider to complete the necessary repairs at a cost of {$440.00}. 

On or around XX/XX/XXXX, I submitted a chargeback request for the {$310.00} repair fee and mailed the dispute acknowledgment form along with supporting documentation to Synchrony Bank. On XX/XX/XXXX, I was informed that the charge was deemed valid and that your team had not received my documentation. 

On XX/XX/XXXX, I received a follow-up letter from Synchrony Bank XXXX XXXX earlier chargeback request. The letter invited me to contact your customer care department if I felt the issue had not been appropriately resolved. On XX/XX/XXXX, I called to address the matter. However, on XX/XX/XXXX, I received another letter stating that my chargeback request would not be honored. 

I respectfully contest this decision. My claim is based on the implied warranty of merchantability, which ensures that a repair should restore the product to proper working condition. XXXX XXXXXXXX XXXX failed to deliver a lasting solution, forcing me to seek additional repairs from another provider. 

I kindly request that Synchrony Bank reconsider my chargeback request and support my claim. Attached to this letter, you will find all relevant documentation, including receipts, service records, and correspondence related to this dispute. 

Thank you for your time and understanding. I look forward to your prompt resolution of this matter. 

Best regards, 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 monetary relief