vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I have had ongoing issues with incorrect credit card balance reporting by Upgrade Inc. on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like Upgrade Inc. to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a XXXX. Specifically, my Upgrade Inc. account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. My Upgrade Inc. account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by Upgrade Inc . This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. Despite my providing their own account statements showing the correct lower balances, Upgrade Inc. has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). Upgrade Inc. and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I purchased a Amex egift card with XXXXXXXX XXXX in it. But I can't use it anywhere. I only successfully made one purchase with XXXX but all other payments after are failing. I called the customer service multiple times. The agent confirmed the card is activated correctly, and it should be able to be used online and in physical stores. But it is not the truth. My payment keeps failing, and I keep getting charged XXXX XXXX from the online stores. The agent refuse to transfer my egift card to a physical one and there is no way I can spend the money I load. so I basically lost about XXXX XXXX I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I sent a letter in XX/XX/2021. I've never received a response. This company is reporting to the credit bureaus that I owe them a debt with no original creditor information. They're trying to collect on a debt thats not owed to them. They're refusing to send me debt validation. They do not have a license for the state of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted XXXX several times in reference to my balance not being reported correctly to the CRA I am demanding my balance be updated to XXXX as this account has been paid in full

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 2023-09-09 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: MI

Complaint narrative:
XXXX has been sending statements to wrong address since the loan exited forbearance in XX/XX/XXXX. I brought this issue to their attention on or around XXXX XX/XX/XXXX in CFPB Complaint XXXX. Moreover, I have tried to resolve this issue with data furnisher in prior instances because it has happened on other occasions over the past three ( 3 ) years. Each time data furnisher 's system randomly changes to a different address that I do not currently reside at when a single piece of mail may be accidentally returned or lost by USPS. Data furniser then resorts to skip- tracing WITHOUT verifying the accuracy of the addresses they use. When a piece of mail sent to that address returns, their system then randomly selects another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after the address is corrected by me. I have asked for XXXX to place this loan into an administrative forbearance and each time I've asked in phone conversation or in e-mail correspondence the request has been ignored.

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 2023-09-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX has been sending statements to wrong address since the loan exited forbearance in XX/XX/XXXX. I brought this issue to their attention on or around XXXX XX/XX/XXXX in CFPB Complaint XXXX. Moreover, I have tried to resolve this issue with data furnisher in prior instances because it has happened on other occasions over the past three ( 3 ) years. Each time data furnisher 's system randomly changes to a different address that I do not currently reside at when a single piece of mail may be accidentally returned or lost by USPS. Data furniser then resorts to skip- tracing WITHOUT verifying the accuracy of the addresses they use. When a piece of mail sent to that address returns, their system then randomly selects another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after the address is corrected by me. I have asked for XXXX to place this loan into an administrative forbearance and each time I've asked in phone conversation or in e-mail correspondence the request has been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: MI

Complaint narrative:
XXXX has been sending statements to wrong address since the loan exited forbearance in XX/XX/XXXX. I brought this issue to their attention on or around XXXX XX/XX/XXXX in CFPB Complaint XXXX. Moreover, I have tried to resolve this issue with data furnisher in prior instances because it has happened on other occasions over the past three ( 3 ) years. Each time data furnisher 's system randomly changes to a different address that I do not currently reside at when a single piece of mail may be accidentally returned or lost by USPS. Data furniser then resorts to skip- tracing WITHOUT verifying the accuracy of the addresses they use. When a piece of mail sent to that address returns, their system then randomly selects another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after the address is corrected by me. I have asked for XXXX to place this loan into an administrative forbearance and each time I've asked in phone conversation or in e-mail correspondence the request has been ignored.

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 2023-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank failure to replace two fraudulently altered gift cards ( XXXX x {$400.00} XXXX x {$480.00} total {$880.00} ) Dear Sir or Madam, I purchased two {$500.00} US Bank XXXX XXXX cards from the grocery store in XXXX. The magnetic stripe on each was not functional however I was able to begin using both cards online. In both cases I used these cards partially and then went to XXXX. When I returned to the US and tried to use these cards again, I discovered that all remaining funds on both cards had been drained fraudulently via XXXX transactions at a California XXXX  store that I had never visited and in addition, these transactions occurred while I was in XXXX and these cards can not be used overseas per Terms and Conditions. 
I reported this by calling the XXXX XXXX number on the back of the cards and was instructed to send the information to the Prepaid Dispute Resolution center. I faxed the information above and later I received two letters dated XX/XX/XXXX, one for each card. These letters acknowledged an error occurred and that the disputed amounts would be credited in the form of new cards sent to my address. The letter stated that you will receive it ( the new cards ) within 7-10 business days. ( see enclosed letters ). 
It is now XX/XX/XXXX which is 30 business days later, and neither of these cards has been received. 
Funds totaling {$880.00} as above have not been returned per the letters issued by US Bank XXXX XXXX XXXX Dispute Resolution. Please can you ensure US Bank follows through on its obligation. 
Thank you for your assistance. 
Yours truly, 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
Consumer complaint received 2023-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 a Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: LA

Complaint narrative:
Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have.

Will be placing credit freezes with bureau as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: LA

Complaint narrative:
Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have. 

Will be placing credit freezes with bureau as well.

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 2023-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Credit Reporting Act XXXX Account : XXXX XXXX 15 U.S.C 1681 Sect

ion 602A States I have the right to privacy. 15 U.S.C 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I randomly received a Mastercard fro Comenity Bank that I never applied for so I called to close the account. I was told I would receive an email confirming the closure but never received it. I called the same phone number to confirm. It was closed and the verbal league confirmed that the account was closed. Couple weeks later I received an American express bread rewards card from Comenity that I never applied for with a {$6500.00} credit limit. I called the XXXX XXXX number listed in the paperwork and an automated message Stated that they can not assist me until after XX/XX/XXXX And then disconnects the line.. Today is XX/XX/XXXX And I'm still getting the same message with an immediate disconnection of the line. There are no other phone numbers to call and quick search on the internet gives the same phone number. It is not allowing me any other options to close the account or to even talk to anybody. This worries me deeply that I can get random credit cards in the mail with No Idea where they came from or How they got my information Without my knowledge or approval. I want the account closed. I don't trust this bank. I don't want them to have any of my information. I don't want them to reach out to me for anything but to close this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Although I usually pay my balance in full every month, My Capital One Venture Credit card was not paid in full on XX/XX/2023. The next month I was charged an interest fee for the balance owed ( as expected ). My XXXX payment was paid in fullthis included new charges as well as the previous owed amount. In XXXX, my bill include an interest fee of {$8.00}. When I called Capital One, I was told that it was there standard of charging interest on an unpaid balance ( even though that balance had been paid in full ) for two consecutive months after the amount was paid. I told them that was robbery and refused to pay it. The agent told me as a one time courtesy, she would remove the XXXX charge. However, since it was a 2 month fee, my next bill would include an interest charge. 

Now if I were still carrying a balance, I would expect to incur additional fees. However, when a balance is paid in full, there should be no fee attached to that balance. This should be against the law! They have arbitrarily decided to charge an interest fee on a paid balance. This is stealing expecting the consumer wont notice or complain. Well, Im complaining! This practice has to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
synchrony bank allowed someone to open accounts in my name when i was in XXXX XXXX and I had no knowledge until i checked my credit because i want to make a auto purchase. And now my account is in collection and I need it remove as soon as possible because im not responsible for such a bill.Why do a XXXXXXXX XXXX XXXX XXXX XXXX XXXX need a card to JCP and Ashleys Furniture when i live with my parents. Send me documents that show i opened the account not a copy of a bill because that isn't proof. 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 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
My concern arises from XXXX 's false and misleading representation, as well as their use of unfair and unconscionable means to collect an alleged debt. It is clear that XXXX has mischaracterized this situation by referring to the alleged debt as an " account. '' The term " account '' has specific legal implications, as outlined in 15 U.S.C. 1693a ( 2 ), and XXXX 's misuse of this term is both misleading and unlawful.Furthermore, my complaint addresses a broader issue related to debt collectors ' practices. When a debt collector places a tradeline onto a consumer 's credit report and makes an inquiry or permissible pull under 15 U.S.C. 1681b ( a ) ( 3 ) ( 4 ), the definitions in 15 U.S.C. 1681a become applicable, including the definition of the word " account. '' Debt collectors often assert that they have a permissible purpose to obtain a consumer report and place a tradeline onto a consumer 's report because they claim that the consumer has an " account '' with them. However, as per the law and the specific definition of " account '' in 15 U.S.C. 1693a ( 2 ), no consumer has an " account '' with any debt collector.In accordance with 15 U.S.C. 1693a ( 2 ), the term " account '' is explicitly defined as follows : " The term 'account ' means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open-end credit plan as defined in section 1602 ( i ) of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement. " It is abundantly clear from this legal definition that no consumer has an " account '' with a debt collector by operation of law. Credit Corp Solutions Inc misrepresentation of the term " account '' in their collection attempts is not only deceptive but also in direct violation of the Fair Credit Reporting Act ( FCRA ) .I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Credit Corp Solutions Inc for their misleading and deceptive practices. Furthermore, I request that you provide guidance and oversight to ensure that debt collectors adhere to the accurate and legal use of terms, particularly the term " account, '' when attempting to collect alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
This bank is falsely reporting information to the CRAs my account balance is XXXX and they are reporting XXXX as a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 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 explanation