vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Portfolio Account # XXXX XXXX  XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Accout # XXXX, XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account XXXX XXXX, DP OF EDUC Account # XXXX, XXXX Account # XXXX*, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX*, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, DP OF EDUC Account # XXXX, DP OF EDUC Account # 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 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: CA

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 Account # XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Accout # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account XXXX XXXX, DP OF EDUC Account # XXXX, XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account # XXXX, DP OF EDUC Account # 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
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, Account name : XXXX XXXX : Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX and Account name : 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 reporting agency if the person knows or has reasonable cause to believe that the information 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just received my investigation back from Experian they said everything is 100 % complete and accurate. I would like to receive that description according to 15 U.S.C 1681I ( C7 ) because the list of accounts below are not accurate. XXXX bank # 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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am reaching out agin looking for answers and help in regards to my well Fargo XXXX I Previously sent out a complaint and in regards to this account Wells fargo did not give me the Opportunity to pay off my remaining balance. Now I see a decision that was made and we're XXXX regards to the 1st to the 1st complaint that XXXX did I sent out. Wells Fargo stated that day extended my time to XX/XX/2020, now at that time that did not help me I did not have XXXX XXXX  and I was unable to make the payments.and was done on There behalf was they put the payments on a freeze, Which still had an interest charge that was gon na be added At this time I'm reaching out again to ask for some help I would like to pay my remaining balance that I had before we went into the pandemic. The closing letter is the same letter that they sent to me years ago. If there's any type of help it is XXXX 's day that I'm being charged at interest charge that charge that was waved off by all companies when we was going through this pandemic. I understand the initial agreement agreement but I did not know that I was gon na be XXXX  XXXX  months into the year can somebody please help me with this situation.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # 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

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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent the debt collector ( LVNV Funding LLC ) a debt validation request letter. They received it on XX/XX/XXXX and signed when the letter was in their possession. On XX/XX/XXXX they sent me a failed debt validation and instead sent me a debt collection notice. The debt collection was written in XXXX which I do not speak or read as a delay tactic. I have sent all letters and communication in XXXX so there is no reason why they should have responded in XXXX.

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 paid
Company: DISCOVER BANK
State: NC

Complaint narrative:
Since XX/XX/2019 Discover Financial Services has been attempting to collect alleged debts from me that have already been paid. My account with Discover Financial Services was approved and opened in XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Discover Financial Services. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Discover Financial Services has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Discover Financial Services being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ), unlawfully stopped usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ), and threatened to sell the alleged debt to a collection agency ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ) ( 5 ) ). Discover Financial Services has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Discover Financial Services by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a XXXX  balance. In spite of the cease and desist they have still contacted me.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX Card from Upgrade in XXXX of 2022. Upgrade openly markets the account type I signed up for as being a cash back card. 

Over the course you using the card for a few months, I accrued cashback in the account. I have tried multiple times to contact Upgrade for how to make use of the rewards, however, they deny them to me repeatedly, most recently as of XX/XX/2022. 

After many slow and frustrating calls into customer support, Upgrade told me I need to carry a balance for " long enough for the rewards to kick in '' at 25 % + interest rate. 

In conclusion, Upgrade is telling me I can only access my cash back by paying massive amounts of interest. This is not in their terms of service.

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: SC

Complaint narrative:
Requesting description of the investigation In accordance with the fair credit reporting Act 15 USC 1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list accounts Below. 

XXXX XXXX XX/XX/XXXX This account is reporting inaccurate information, account type, payment history are reporting inaccurate indifference on each bureaus, XXXX XXXX XXXX is reporting inaccuracy of credit reporting each bureaus is reporting indifference information payment history, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account is inaccurateXXXX. There is an acct reporting with no company name/any details at all but has a balance of {$870.00} open XXXX XXXX this is against the law to report. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXXXX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX Addresses need to be removed are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, sc XXXX I just received my reinvestigation back. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 i ( 7 ) because the list accounts are not accurate. The open date, date last active, and date of last payments, the accounts are not 100 % accurate

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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I just pulled a copy of my credit report, I was shocked to discover that i had some unauthorized hard inquires and I do not know where they came from. I believe i am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of buying a home for my family and this is hurting my chances of being approved. Pleas remove the listed inquires that I did not authorize.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXXXXXX XXXX Account # XXXX The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This was not done. They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. The Credit Bureaus stated this account was properly investigated and verified with XXXX and the US Bankruptcy courts but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. They have violated the law because according to 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 an 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 adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C 1681s-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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Applied for XXXX with good credit, salary and debt to income and got denied for credit history and new accounts open. All new credit cards are 6 months or older with close to XXXX balance. Credit history is very good. Recently got a XXXX but wanted to borrow slightly more including existing XXXX. Bank valued my home at XXXX and I owe XXXX so plenty of equity in property only asking for XXXX. Tried speaking with supervisor at bank XXXX XXXX XXXX but he wasn't any help just felt like i was getting passed over for no reason. Don't feel like I'm getting treated fairly with a credit score of over XXXX and salary over XXXX per year with minimal debt.

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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
XXXXXXXX is reporting false information on my credit report. a debt collector is saying I owe {$8400.00} which is not true. I have never heard of this company and I have not received any documentation about the debt from this company. Please send an itemized statement of the balance and show proof that the debt is mine. I was not provided with any written paperwork with my name. Please provide a signed paper with my name on the amount that you say I owe. This has caused me a lot of damage because I have been denied for multiple things when the debt is incorrect.

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: GA

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, Account Number # XXXX, Account Name : XXXX XXXX Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX XXXX Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information 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: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
ACIMA STATED THAT THEY WERE THE COMPANY THIS ALLEGED DEBT IS OWED TO. ACIMA STATED XXXX XXXX OWES THE ALLEGED DEBT. I XXXX XXXX am in fact a alive breathing natural being AND NOT A CORPORATION OF ANY KIND. 
CORRECTION ACIMA IS THE THIRD PARTY OF SAID DEBT. I XXXX XXXX DO NOT OWE ANY DEBT TO ACIMA. I DID NOT DO BUSINESS WITH ACIMA. 
ACIMA ALSO STATED I WAS NOT THE ORIGINAL CREDITOR OF MY OWN CREDIT. 
PURSUANT TO 15 USC 1692 ( 4 ) I AM IN FACT THE ORIGINAL CREDITOR OF THIS ALLEGED DEBT. ACIMA COULD NOT GIVE ME THE FUNDS TO MAKE TRANSACTATION ( MY SOCIAL SECURITY NUMNER DID AKA CREDIT CARD ) WHICH ALSO BRINGS ME TO 15 USC 1691 ( D ) THE TERM CREDIT MEANS THE RIGHT GRANTED BY A CREDITOR TO A DEBTOR TO defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
THE TERM DEBT COLLECTOR means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. 
SO ACIMA IS INFACT A DEBT COLLECTOR AND ACIMA IS IN FACT IN VIOLATION OF THE FDCPA. 
Pursuant to 15 usc 1681 ( q ) ACIMA did not have a permissible purpose due to the fact that they never received written consent to report on my CONSUMER report. 
A SIGNED CONSUMER CONTRACT IS NOT SUFFECIENT EVIDENCE OF A DEBT. IT ONLY MEANS A TRANACTION TOOK PLACE. SEE ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation