vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: MS

Complaint narrative:
In accordance with THE Fair Credit Reporting Act, ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX 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 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT WRITTEN INSTRUCTIONS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The above referenced account is currently reporting to my Equifax credit report as a charge-off but also reports a current balance owed. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), creditors are required to promptly update the account balance to {$0.00} after the sale of a debt. 

XXXX Bank is in violation of the FCRA by reporting this inaccurate and conflicting information to my Equifax credit report. XXXX has continued to incorrectly update the status of this debt as past due with a balance owed of {$4300.00}. This debt was sold to XXXX XXXX XXXX XXXX and payment arrangements were made directly with the collection agency. The collection account from XXXX XXXX XXXX did not appear on my credit report because payment was arranged directly with that firm. XXXX is also listing the charged off amount as {$3500.00} on the same report that says the balance owed is {$4300.00}. There is an obvious discrepancy with the amounts and account status. XXXX and Equifax refuses to delete this inaccurate and inconsistent information from my Equifax credit report. XXXX and XXXX has already removed the discrepant account information. This inaccurate account reporting is also adding an incorrect credit utilization rate of 110 % to my credit report. Please see attached Equifax reports showing the conflicting reporting by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERASSIST AR SOLUTIONS for committing identity theft. I have never given AMERASSIST AR SOLUTIONS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any type of documentation requesting validation from AMERASSIST AR SOLUTIONS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AMERASSIST AR SOLUTIONS can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AMERASSIST AR SOLUTIONS can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERASSIST AR SOLUTIONS continues its collection efforts, I will file for litigation for actual damages caused and AMERASSIST AR SOLUTIONS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15usc 1681 section 602states I have the to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-03 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-03 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank, approved me for a XXXX XXXX XXXX in early 2021, and is declining transactions for my card when it is informing me that I have the available credit to use the card. The reason stated by Comenity Bank, was that I " made multiple payments on the account, '' which I did in order to honor my credit obligation in paying the balance owed for the account, and to avoid paying interest. Rather than meet the terms of the account agreement for the card, by crediting payments towards the balance for the card, and releasing the available credit to reflect the available credit that I am told I have on my account dashboard when I log in, Comenity bank is falsely stating I have available credit that I am not actually able to use the card for. 

Comenity bank is further stating I must wait 7 businesses days for a block on my account to be removed for all credit use, when previous payments are well beyond the clearing time frame, and when I have only tried to keep my account current and make payments to meet my credit obligation. 

I offered to call my bank with Comenity on the phone so that we they can verify payments were cleared, and they did not accept this solution. This has caused unnecessary embarrassment and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Social Finance, Inc.
State: CA

Complaint narrative:
credit card opened up in my name without my permission or consent. Credit card lender refuses to close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # 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 2022-05-03 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

XXXX5 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 2022-05-03 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: GA

Complaint narrative:
There are some item resolve, closed, charged off, paid off and clear on XXXX. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.

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 2022-05-03 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:
Some one applied to open a XXXX XXXX XXXX credit card under my name. The application number is XXXX. XXXX  phone number is XXXX. I contacted XXXX they are reporting as credit fraud.

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 2022-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Hi : Due to the pandemic I joined the help program for covid 19 forbearance, when I wanted to start paying again they sent me a proposal that far from helping me made my payments higher, I asked them to review and help me and then they sent me another proposal that was not good either but I already wanted to get out of this problem and I accepted. 
After several weeks they sent me the papers to sign, a notary public sent by Freedom Mortgage came and to my house and she was the person who told me how to send the papers, but after several weeks they told me that it was not right and that they were going to send me another set of papers, when they sent it they called me and told me it was wrong because the date had already changed and I had to wait for the new papers, when they sent the new set of papers the interest on the loan was changed to a higher one, everything This is for mistakes they made and now they want me to pay much higher interest than I had for all Freedom Mortgage 's mistakes, and when I call the answer is the same that I have to wait and that they can't do anything because I'm not accepted what they proposed to me, they do not even review or read what happened and much less are interested in solving it. I have spoken with supervisors and they have treated me very badly, apparently the fact of being XXXX is a disadvantage for because they have insinuated that I don't understand what they are talking about.

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 2022-05-03 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX BANKRUPTCY ACCOUNT # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 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 2022-05-03 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 following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 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 2022-05-03 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XX/XX/22 A few weeks ago I received a credit card in the mail which I did not request. I ignored it and have not used it. Today, I received a bill from from that credit card ( balance {$0.00} ). 

The card is from " XXXX XXXX XXXX Credit Card ''. 
The return address on the envelope is : " Wells Fargo Bank , N.A . '' The payment address is : Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX MN XXXX. 

The bill does include an account number.

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 2022-05-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-05-03 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: MA

Complaint narrative:
This XXXX XXXX XXXX Loan shouldn't be on my credit report for Transunion. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call Transunion again to file a fraud dispute. Can you contact Transunion to let them they that I see a fraudulent account on my credit report?

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I the fall of XXXX, I took out a PC Richards Credit Card through Synchrony Bank ( CT ) at a PC Richards location in XXXX, XXXX. I was told of the promotional interest rate and that there was NO interest for XXXX years. I was then told that interest would begin accruing AFTER the XXXX year period. I paid the minimum payment or more each month and kicked in an extra {$1500.00} payment in the fall of XXXX to get my payment down to {$1500.00} ( as of XX/XX/XXXX ). In XX/XX/XXXX, Synchrony added a {$1300.00} " interest charge '' on to that amount, bringing my new total owed to {$2700.00}. This constitutes an XXXX XXXX interest rate on my balance. 

This is outrageous and clearly constitutes predatory lending. In no way, at ANY time did I ever agree to such a rate, nor would I under any circumstances. 

I have attempted to work through this issue with Synchrony Bank and they insist that I agreed to terms of " differed interest '', a term which I never agreed to or heard at the time of application and purchase. I was told the interest would " kick in '' after the promotional period, which I understood to mean that I would have to pay XXXX XXXX on the remaining BALANCE owed at that time. 

What Synchrony Bank has done is charge me XXXX XXXX interest on the ORIGINAL balance even after I have paid down that balance by approximately {$3300.00}. They are essentially assessing a massive fee, the likes of which was never disclosed to me at the time I took out the card at the store. 

I fully understand that I owe interest on my balance. But I should not have to pay interest on money I have already paid back. That is not right and it certainly is not what I signed up for. 

I was on my way to having this balance paid off and paid faithfully on the account only to have the amount owed nearly double in XXXX month.

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 2022-05-03 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: MI

Complaint narrative:
I sent the company document to verify that they did not verified the credit I credit report due to several freeze and I also sent a certified letter to Experian also.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the companies and the bureaux to correct my personal information but they are still being reported inaccurately.

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 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I previously filed this complaint under XXXX. The company responded to the complaint saying they've helped me, but that was a lie. CFPB then closed the complaint and told me to open a new one. 

I contacted this company in XXXX to remove my XXXXXXXX XXXX XXXXXXXX, and they have been ignoring me ever since. They have been collecting XXXX XXXXXXXX for the XXXX  since XX/XX/2022. 

After I filed the first complaint, the company finally emailed me, telling me to send them an additional {$570.00} to waive the XXXX charge, which I paid. I am still waiting for them to respond. 

This company 's XXXX office does not have a phone number, and they only send letters via XXXX. The letters arrive XXXX weeks late, and they say I have XXXX days from the date of the letter to remedy. This is an impossible process and designed to continue taking money from me.

Company response to consumer: Closed with explanation