vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Spring Oaks Capital LLC has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Wayfair XXXX and pay on time or before my due date every month. Recently I was ill - thinking I had paid the CC but did not finish with submit. I was 7 days late but not over 30. They immediately reduced my line of credit by a very large amount and placed it at the amount I owe, making it 100 % max use. I received a letter stating it was because lack of credit history. I have 13 years with great payment and balance. 
I inquired about them to increase it again and received a rejection based on mortgage payments are delinquent - I dont have a mortgage, I paid that in full in 2020. 
So now they have reduced my line making my balance hit 100 % and did a hard inquiry, all to give me false reasons.

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 2023-03-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since nearly 60 years ago I've been harassed by a collection company that has medical bills having nothing to do with me I've asked for reports and proof and nothing has been furnished they are in violation of the fcra reporting laws and federal debt collection act. Please produce original signatures or stop harassing me and remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or around XX/XX/2023, I was contacted by a representative from Chase Bank, XXXX. to discuss balances on my existing revolving credit accounts. Despite the fact that I have never missed a payment, I was advised that my credit limit on each card was being reduced. I do not take issue with that decision, as it is squarely within the prerogative of the card issuer. However, Chase made the inexplicable decision to report each limit decrease one-by-one -- instead of at one time, or near the time the decision was made -- resulting in a new diminution of my credit score with each such report. On information and belief, the bank will continue to report these new limits on various one-off bases, which will further lower my credit score, despite that I have engaged in no action that should result in any further diminution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Investigation took more than 30 days
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO HARRIS {$6800.00} WAS ADDED TO MY CREDIT REPORT. I WAS A VICTUM OF IDENITY THEFT AND HAD NO KNOWLEDGE OF THIS ACCONTS. I SEND IN A FTC REPORT 60 DAYS AGO AND STILL NO RESPONSE FROM 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 2023-03-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have a collection account through XXXX  insurance. The total shorn on my report was XXXX XXXX When I called XXXX  there was no single debt for that amount but there was XXXX  old debts that added up to roughly that amount. I paid them both and made sure there was no other debts owed. They agreed to remove it from my report. Transunion has performed XXXX  disputes since then and still shows I owe it. I appear to be stuck in a loop. If a debt never existed for that amount and I paid off what was actually there, how can this remain accurate?

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 2023-03-24 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: U.S. BANCORP
State: NC

Complaint narrative:
Please help me secure from US Bank ( USB ) {$210.00} owed to me by them for over 5 months plus {$20.00} for loss of use of those funds. On XXXX the XXXX XXXX XXXX reversed ( in full ) a XXXX charge to my USB credit card for {$220.00}. A dispute form was received by them onXXXX : USB Case ID XXXX. Despite repeated phone calls to USB ( XXXX, XXXX, XXXX ), they have refused to credit my account for the full amount despite my having paid the full amount on time. Details are in the attached PDF.

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 2023-03-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-24 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: AES/PHEAA
State: FL

Complaint narrative:
I received a letter from the Federal Education Director saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer American Educational Service ( AES ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent AES a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. 
As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. 
Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. 
Please help me with direction on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has taken overdraft fees numerous times when I had money when the purchase was made.

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 2023-03-24 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:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A 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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX or XXXX of 2022, I tried logging into my experian account and I got an error message. I have reached out multiple times to experian without them being able to fix it. They have escalated the problem multiple times but each time I call, the person says the former person I talked to made a mistake and put the complaint in wrong. Ive been told theres a mismatch in my information, Ive been told that I tried to login too many times and to wait 24 hourswaiting has never resolved this. Last night I was told that my account was compromised and only supervisors could see that.

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, I received my consumer reports and notice that this company LVNV FUNDING LLC is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-03-24 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: CT

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-03-24 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: MD

Complaint narrative:
XXXX XXXX XXXX has illegally reported a total count of four late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

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 2023-03-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A 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 2023-03-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have two active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. XXXX was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. XXXX is colluding with the collection agency and XXXX action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. 2 times I filed dispute through XXXX website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have two active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. XXXX was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. XXXX is colluding with the collection agency and XXXX action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. 2 times I filed dispute through XXXX website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.

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 2023-03-24 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: IN

Complaint narrative:
I am writing to dispute the following inquiries. I have no knowledge of obtaining any of the inquiries listed here. It is caused by fraud. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
YOUR TIME TO RESPOND IS UP!!! I gave Wells Fargo Dealer Services 14 days to respond with the documents I requested for the second time on XX/XX/XXXX ( I sent the original Cease and Desist Notice on XX/XX/XXXX ). It is now XX/XX/XXXX and I still have not received the documents I requested ; which by law, The Freedom of Information Act gives me the right to request such documents. These violations are very damaging to me the consumer. Not only did you fail to address my very specific legal requests on time ( twice ), and are in clear violation of the FDCPA, you also violated my Cease and Desist Notice I sent to your company : the notice clearly stated ; " Any further communication with the Consumer must be in writing, delivered via mail. '' I was called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX, and a woman by the name of XXXX left 2 voicemails, which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 you are also in violation. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Wells Fargo Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. 
I am seeking remedy under 15 USC 1692k and 15 USC 1681n for damages sustained by me the the consumer. I'm requesting {$50000.00} IN A CHECK for all the violations that occurred.

I also Demand that you return all of my monthly installment payment funds according to 15 USC 1692h back to me IN A CHECK.

Wells Fargo 's continues with willful non-compliance which has damaged my reputation and continues to violate my consumer rights. This notice is an attempt to correct your records before I am forced to take legal action, and any information received from you will be collected as more evidence should any further action be necessary. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

-- Very Respectfully, 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 2023-03-24 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 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 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 response to consumer: Closed with explanation