vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Since XXXX of XXXX I have been disputing the " app '' with Upgrade. It has been showing a delinquent amount from XXXX to now {$270.00}. XX/XX/XXXX I had applied for a hardship due to XXXX. In which I was told that I was approved and would have to make the monthly payments in the amount of {$120.00} starting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. In which any past due amounts would be added to the end of the loan cycle and processed to the end of the loan. In XXXX my payment of {$400.00} was going to resume. In XXXX I logged onto the app and noticed the amount was still incorrect. I called and spoke with an Unidentified agent that stated " oh the person that did your application did not update the aged report, it will take 1-4 business days. Again I called today and I was told that " oh you are still delinquent from XXXX, I advised there is a payment in the amount of {$400.00} that was withdrawn from my account XX/XX/XXXX ( payment was made via the app on XX/XX/XXXX after I was assured that the report would be " updated '' ). I was told there would be a " freeze '' on the card until I made the additional payment and would not be able to utilize my account until this was corrected. Every time I call upgrade I am told something different. Each rep has a different finding and policy. I am pretty sure I am not the only account holder that is facing this issue as I have been advised " oh ya the app is always going through glitches ''. I am requesting an investigation into this company for possible violations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has 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 2022-10-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank issued me a 1099 to forgive my defaulted debt of {$12000.00} in 2021 however they are still reporting a balance owed to my credit reports. 
This error is causing my credit scores to be XXXX points lower than my other two credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
TODAY I called Bank of America to get loss prevention to see why they would pay off someone else {$13000.00}. XXXX plus credit card out of my money and when was it going to be returned with the rest of my money that was taken by their bank. The representive pretended like she had found the account and was going to resolve the issue finally. she stated she had to verify me. she asked me for my address, my social Security Number, my Drver license number for New Jersey and Georgia, she asked me for the location of where I open up my account, The name of the bank when I open my account, who was my employer and then she gives me a phony phone number for XXXX XXXX oXXXX and stating they were still open. Bank of America has pulled a scam in getting all my information as to lie about the information they had on me preciously when they have lost everything and now this ploy to protect themselves. the employee even asked for my previous employer in New Jersey. When I hung up the phone from Bank of America, I had this sinking feeling that Bank of America has set me up in getting all my information as to prevent me from having a legal case in getting my money back which they stole in 2004. I feel like they have XXXX me today. which they actually did of all my personal information. they have it all. what a low-down dirty trick this bank has pulled again on 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
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
Unauthorized inquiries have appeared on my report by these creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
On XX/XX/2022 at approximately XXXX XXXX  I received a telephone communication via text message from Harris & Harris ltd trying to collect an alleged debt on the behalf of the city of XXXX XXXX On XX/XX/2022 I sent Harris & Harris a CEASE & DESIST NOTICE via certified mail to their company address letting them know I did receive their communication about a debt they are trying to collect on behalf of City of XXXX and, I requested that Harris & Harris ltd to provide any documents that makes them believe I owe this alleged debt. I also received another telephone contact on XX/XX/2022 via text message from Harris & Harris around XXXX est in regards to the previous alleged debt. The text message states that I should login and pay using my license plate number. Harris & Harris may be violating the ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT as well as my right to privacy pursuant to ( FCRA ) I did inform Harris & Harris in the cease and desist letter that I dont take any responsibility for this debt and, I dispute having any obligation for this debt. I also made it clear that if they stop their collection of this debt and forward it or return it to another company to indicate to them that it is disputed. Also if it was already reported to a credit bureau to inform them the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been in touch with more than 1 month finally their executive assured me after submitting affidavits I will get my funds back it was on recorded line as of XX/XX/2022 but yesterday again they humiliated and refused to honor their on words Im feeling helpless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
Unauthorized inquiries have appeared on my report by these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
Unauthorized inquiries have appeared on my report by these creditors 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 2022-10-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the following items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identify Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Ive received repeated calls every weekday and on weekends throughout the day, from Midland Credit through different phone numbers. I have told them that I am in the process of disputing some of their claims, and they continue to call me every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IA

Complaint narrative:
I have Sallie Mae for a private student loan. Over the time I have had the loan I have been on a repayment plan before. During my reduced payment plan, I made every payment on time. At the end of the one year period, my payments went back up. I was able to scrape together the higher amount for a few months, but now have gotten behind. I called them several weeks before my next payment was due to tell them that I could not afford the payment, and asked what my options were. I was told that there was nothing they could do for me until I was over 30 days late. I missed the payment. I called back today ( over 30 days past due ) and was once again told that there was nothing they could do to lower my payment. I want to be responsible and pay, and they will not work with me whatsoever. The cosigner on my loan is my now XXXX grandmother who is on social security/fixed income and is unable to help me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CO

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

Accounts : XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 section 602A which states that I have the right to privacy 15 USC 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) a person shall 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 explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My identity was stolen. I have not lived at my moms address since I was XXXX old and I told them it was identity theft and they are trying to tell me I played a party in the theft of that was the case I would not be trying to get it removed. They also tried to validate it with my moms address and send it to my new address as validation but the original creditor and address is not mines. That address was my mothers. It was a XXXX credit I played no part in due to the fact I sent them police report of the identity theft and they still dont want to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CITIBANK, N.A.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my second complaint to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting. 

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint. 

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW 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 ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
CNAC XXXX XXXX. took my car after I singed a new contract with them regarding two late payments that they had put at the end of my car loan which had me up to date on my car note the day my car not was due I went to pay it at XXXX in the amount of XXXX The CNAC locked me out of my account the following day sent me a letter of repossion the following day they came and took my car. I called and spoke with a loan person who told me that CNAC was backing out of the loan and I still have to pay for the car. As of today XX/XX/2022 I received a letter of intent to assign wages at my current job after close review I of all the paperwork that the company falsified my social security number. They also declined payment and arbitration agreement that was completed in the contract and forced a repossession on my back ground with a false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I mailed a letter to Equifax, XXXX, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX is reporting false information on my credit report. I paid the company and they are still reporting a balance. I gave the company money and they are asking for more. I have not received an itemized statement from them and they are trying to collect extra money. they are reporting that I owe {$840.00} This is incorrect. Please remove it from my credit report. this is causing damage.

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