vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I received and email on XX/XX/XXXX that my statement was due for Genesis FS Service and i never applied for a card with them. Upon speaking to customer service someone opened and account with my information at XXXX XXXX XXXX. I have requested for the account to be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment to my credit card company for {$2000.00}. The credit card company never applied this payment to my account. 
So I filled a dispute with my credit card company and provided proof from XXXXXXXX XXXX that this payment was made by providing them a copy of the cashed check for {$2000.00}. 
Months later, On XX/XX/XXXX I finally received a letter from my credit card company stating that I was not responsible for this disputed amount. and the appropriate credits would be applied to my account balance. This has still not yet occurred. 
I have been attempting, unsuccessfully, for 6 months to correct their mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: OK

Complaint narrative:
After I made a payment every month, regardless of how much was paid, my account would show I owed {$0.00} cents. I would make an additional payment, and my account would still reflect this error. My account started to show as Late and Past due. I had to call customer service and spend hours on the phone, speaking to supervisors and different representatives for them to fix the issue. Once the issue was fixed, the following month I would make a payment and have the EXACT same issue, having to call over and over to have it fixed as the first agent would promise it would be fixed and my account would continue to show late for 60+ days. This happened THREE times before the {$0.00} cent error hasnt happened again, crossing fingers. Upgrades representatives and supervisors assured me the late payments would be removed and updated on my credit report, and one has been, but two remain. My XXXX report shows one late on XX/XX/XXXX and one on XX/XX/XXXX. Despite the supervisors and resolutions teams promising they would be removed. 
This has been super stressful, having to call numerous times and wasting so much of my own personal time between work and school. 

Background : XXXX ( XXXX call center supervisor ) advised late payments would be removed by XX/XX/XXXX will receive a phone call by tomorrow XXXX never received. I then sent emails to contact @ upgrade.com. 
Yet to receive a call, I called them again on XX/XX/XXXX spoke with miles in XXXX. I was advised that the supervisor wasnt available but XXXX in resolutions would be reaching out tomorrow XX/XX/XXXX. On XX/XX/XXXX XXXX called and advised that the credit collection forms were submitted to remove all late payments, and my credit report would be updated within XXXX days ( XXXX time I was advised of this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 

Account name : XXXXXX/XX/XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX # XXXX, Account name : XXXXXX/XX/XXXX# XXXX, Has 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 which antedates the report by more then seven years.

15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Has 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 which antedates the report by more then seven years.

15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 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: OK

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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 which antedates the report by more than seven years.

15 U.S.C. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 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: OK

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. 

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, has 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 which antedates the report by more than seven years.

15 U.S.C. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had an Apple Credit Card in my name in good standing, but a fraudster called them and requested a physical card in my name even though current one I had wasnt expiring till XXXX card was delivered in my name at location in XXXX, XXXX got XXXX from UPS your card is delivered on XX/XX/2023 at XXXX. When I tracked the number I saw the above address. I called the card service and asked them to freeze the card. They did that and gave me the new XXXX number. A week later I got an email from Apple Card that your address is updated. Again I did not request a change of address. I looked at my virtual card profile, it was changed to another address in XXXX of XXXX XXXX without me asking for it. 
I had to cancel the card. I am wondering about Apple Card security. How easily they would change addresses without vetting the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SOUTHWEST CREDIT SYSTE Original creditor : XXXX is showing up on my credit report stating I owe {$2500.00}. This debt was owned by XXXX XXXX XXXX XXXX prior to this. I provided an FTC report and let them know I was a victim of identity theft. That debt is not mine. I filed this complaint on XX/XX/XXXX with the CFPB XXXX. In this complain the company took ownership for their mistake and removed this debt from my report. I hope that this debt collector will do the same. 

I am Writing to you to properly address that I am a victim of identity theft. I am writing to request that you block/delete the following fraudulent information from my credit report. 
XXXX ) SOUTHWEST CREDIT SYSTE Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection This information does not relate to any transactions that I have made. I have enclosed a copy of my identity theft report and a copy of FCRA Section 605B which details your responsibility to block/delete fraudulent information on my credit report resulting from identity theft within XXXX business days and to properly notify the furnishers of that information. I will be enclosing : identity theft report, proof of identity, Fair Credit Reporting Act Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have sent documents to Midland Credit Management telling them I don't owe the alleged debt and they keep harassing me by sending me letters in the mail and calling my phone saying I owe. I don't know what is going on right now. They keep saying I owe {$13000.00} and they are falsely reporting to the credit bureaus. XXXX and XXXX show {$13000.00}. I am so confused This corporation has violated the CFPA and FDCPA before. 

Midland Credit Management , IncXXXX ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} billion and annual net income exceeding {$75.00} million. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
On XXXX I closed my Destiny credit card account number ending in XXXX with Genesis Card Services. On XXXX Genesis Card Services mailed me a letter confirming the account is closed. Today, XXXX, I received an email stating I have a new monthly statement available for account number ending in XXXX. Until today, I have not received any mail or emails from Genesis or Destiny. When I called, I was given an excuse that makes XXXX sense to me. The agent stated that the card was about to expire and the new account number was for the new card. The account was opened in XXXX of XXXX and was less than a year old. When I told the agent that what they were telling me made no sense, they said someone would be calling me back and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
First off I did not receive any help to complete this. I have already contacted Affirm about fixing this and correcting their violations, but they have yet to do so. See attached for full details in my complaint and response to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: MT

Complaint narrative:
I have two loans with Axos Bank that Ive had numerous issues with per the previous complaints that Ive filed. 

I have most recently been trying for weeks to get a balance payoff on the Heloc loan because Im transferring that to a new lender. Im not getting a response. 

And now the latest issue is that they appear to be holding my payments until they are in default. I confirmed with XXXX XXXX  that two checks were mailed to AXOS on XX/XX/2023. They are both set up as automatic payments and have been for many months without issue. But now, neither the primary mortgage payment I made for loan ending XXXX in the amount of {$2800.00} or the second payment made to the Heloc loan ending XXXX in the amount of {$730.00} have been applied towards those loans. Its been 18 days since those were mailed. I believe the mortgage will be in default as of today as that due date was XX/XX/XXXX. I have tried, without success, to reach customer service several times now for assistance to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
on XX/XX/23 I purchased a cashiers check of XXXX from M & T bank XXXX XXXX XXXX ( I had over XXXX ) in the account. I deposited the check at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
I went to withdraw funds from XXXX XXXX  XX/XX/23 and there was a fraud alert on my account because M & T " did not honor the cashiers check '' which I always thought was as good as cash. 
I went back to M & T bank XXXX XXXX XXXX and the Manager told an elaborate lie of how it is not their fault and XXXX XXXX is to be blamed. The new teller who did the initial transaction stated that he made an error and withdrew from a closed account, the manager shut him down and insisted it was not their fault and asked me to go back to XXXX XXXX. Although I made the manage aware of the seriousness of what is at stake, he was rude and not helpful. 

Two weeks later, I still have XXXX taken out of my M & T bank and I don't know where the funds are, XXXX XXXX has closed my account accusing me of being a fraudster.

I work so hard for every dime in my account and I need help in resolving this issue.

1 ) To retrieve the XXXX from and M & T 2 ) Restore my bank account with XXXX XXXX and let them know that I did everything right and i'm not a fraudster.

3 ) I'm asking for help because I know M & T will not help me. Unfortunately my experience with them has not been that great. Please help me I feel devasted and have been very stressed with this situation. I will appreciate any help I can get from anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 which antedates the report by more than seven years.

15 U.S.C. 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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation