vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.

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 2022-09-13 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: NJ

Complaint narrative:
I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.

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 2022-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an email about XXXX XX/XX/22 stating the online application was being processed, and another email will follow for me to verify my email.

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 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
Payments not applied correctly

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I made a payment of {$4000.00} to my upgrade account using my XXXX  XXXX XXXX checking account. I woke up this morning and it was pulled from an unverified account XXXX XXXX  on my account. How is this possible if I was told by XXXX in the customer advocacy team I cant make payments using that account until I sent a statement of recent use and it even shows unverified the account. This caused problems with my checking account. I called XXXX and the representative XXXX was nasty like always. When I had an open case before I got her and asked to switch which is how I got XXXX because of how nasty she is. Today she refused to help me or even pass my information to XXXX or let me speak to her manager XXXX. The service with this company is a disgrace. It became a joke to XXXX when I kept calling back to ask for her supervisor and she kept allowing the call to escalate instead of trying to deescalate it. I even advised her XXXX told me to give her a call back if there was any problems with this issue. XXXX advised me to put this complaint in and I shouldnt be talking to that department. Unreal how rude and belligerent she was. I told her if she wasnt happy at her job she should get a new one. I find it hard to believe she is the front line in a sensitive department like that!!! I would like a call back asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
i was not aware that my XXXX XXXX used my information to get credit cards she also made XXXX for XXXX XXXX XXXX was not aware of using my information i was never married to this girl she lived with me for several years but used my identity to make these credit cards i was not aware of the two cards she had under my name until time went by

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
First, I have an overdraft protection checking account. An overdraft was triggered in late XXXX ( XX/XX/22 ). TD Bank sent me a payoff statement for the overdraft which I paid in full ( {$340.00} ) on XX/XX/22. They latter sent me a statement on XX/XX/22 saying that they have a new payoff figure for the same overdraft of {$1.00}. in interest. I spoke to numerous representatives at TD Bank and they refused to cancel this charge. TD Bank is hiding the real payoff figures in these overdraft situations so they later can charge additional interest causing the consumer millions of dollars nation wide. No where on their statements does it say that this figure is not a true payoff figure. It is clearly obscured and borderline fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-09-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reach out to the company data x first thing I get on the phone with them don't have my right address ask him to share the information what they have on file after they verify me still failed to do that I would like my file deleted and all person information permanently deleted out your system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revolution Financial Inc.
State: FL

Complaint narrative:
Received a call on my phone of XXXX to call a XXXX XXXX at a number that the automated dialer said once with no repeat option from came from the caller id of XXXX. I dialed back the caller id and a lady answered the phone without any company identification and responded someone tried to contact me. She asked my phone number and I gave the XXXX, she informed there is an outstanding payday loan from Fastbucks with the email of XXXX. I informed her that is not my email,, she replied that I use that email to apply for the loan, Before I could ask any more information about the alleged debt, she hung up the phone. I immediately called back to get more information, and before I could ask anything, she informs me that I am harrassing her and she will file a complaint and disconnected the call. I suspect identity theft but unsure without any additional information. I block the number on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: SC

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 


Personal Information - Aliases - Delete XXXX, XXXX, XXXX 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. 

Delete Aliases {$1000.00} per violation. 


ADDRESS XXXX XXXX XXXX XXXX, Sc XXXX 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. 

Delete Aliases {$1000.00} per violation PUBLIC INFORMATION Account Name - U.S. Bankruptcy Court XXXX  XXXX  BANKRUPTCY Account Number - XXXX 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. 

Delete account {$1000.00} per violation Account Name - U.S. Bankruptcy Court XXXX  XXXX BANKRUPTCY Account Number - XXXX 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. 

Delete account {$1000.00} per violation Account Name - U.S. Bankruptcy Court XXXX  XXXX BANKRUPTCY Account Number - XXXX 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. 

Delete account {$1000.00} per violation INQUIRIES XXXX XXXX 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. 

Delete account {$1000.00} per violation XXXX XXXX 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. 

Delete account {$1000.00} per violation

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 2022-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A few months ago I was running low on funds in my Chase checking acct that is also linked to my Chase amazon rewards card in my online banking. I now live XXXX plus miles each way from that bank and could not get to the bank in XXXX GA to deposit money. I had an offer in my online banking to put money from my credit card into my checking acct. There was a percentage fee for that ... turns out it did not even go in from credit card to checking acct for XXXX or 5 days so it was pointless!!! For the first time last month I got charged interest on the revolving balance portion of the credit card even though I paid it in full ... .I called for a week and kept getting XXXX  support and they did not understand why I was upset. Chase is paying off 0 % loan first and not my revolving balance. I got thru to an offshore person who said I was correct and credited the acct the interest charged. They are doing it again this month... they charged me a fee to transfer the money and they are paying down the % first instead of the revolving balance being paid in full ... so they are also charging me interest. I want my interest charge reimbursed! I called Chase XXXX in NY and they said that is the way it is!!! So I am being charged a transfer fee and interest on the revolving I am paying in full!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My fianc at the time bought the house in XXXX, MN together and we were both listed equally as borrowers for the loan, then we got married and in 2015 we had our divorce finalized. I let her keep the house and the very large amount of equity that went along with it. My plan the entire time was to live in it for 5 years or so then sell it for a significant profit. It is now worth well over {$100000.00} more than we paid, I paid the full mortgage myself and all the closing costs and escrow associated with the purchase. I made improvements and I paid the mortgage even after we split up and I moved out. 2 full years of monthly payments is about {$25000.00} plus another {$10000.00} of costs from the sale is over {$30000.00} of real money I put in that I lost from the divorce. The court was being completely female biased and I didnt do anything in the relationship to cause any unfair treatment but I sure got it. They awarded her the house outright as long as she takes over payments its 100 % hers but I dont get removed from the loan? Thats not right. I lost {$35000.00} of money I invested in the property AND the percentage of equity that I should be due that is about pay off and she got a free house. Literally everything paid for for her. Meanwhile Im stuck with almost {$200000.00} of debt on my credit report and I have been destroyed by that. I cant get a car loan or buy a new house because of that debt that is no longer associated with me at all. Its been 8 years since I lived there. She has since remarried and has XXXX  kids by another man and I cant help but wonder why they are not putting his name on and taking mine off. I dont know how people could look ar the situation and conclude that I should remain on the hook for the loan that I have lost 10s of thousands of dollars to and she has made climbing near to {$200000.00} in potential revenue from a sale. Theres only 2 fair outcomes for this situation. One removed my name from that loan and that loan amount from my credit report right away or she needs to sign paperwork for giving me a percentage of the profit when a sale happens because I have had no financial freedom because of this and have not been able to actually really start over again because of the amount of debt in my name. Im not trying to take money from her I just want this off my report so I can buy a house or car and finally have a chance. I have years of damages from this and it needs to be handled properly.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I cancelled my service with XXXXXXXX XXXX XXXX XXXX about 2 years ago. I paid my bill in full and returned the equipment. I have an email confirming that the equipment was returned. 
Then a few months later I began getting a bill from them for {$110.00}. I called the company to ask what the bill was for and they were vague about what it was for, final payment or equipment..I told them I'd paid my past bill in full and returned the equipment and asked for copies of my last 3 months. They had stopped my online access so I could not access my bills myself. 
The said they could not send me those bills. 
I refused to pay them for something that I did not know what it was for as I very clearly had paid my bill in full and returned the equipment. 
Then 2 months ago they put the invoice in for collection with Collection Bureau Hudson Valley, XXXX XXXX XXXX 
CBHV asked me to either pay the debt or send them documentation why it is not owed. 

I sent them a copy of the email showing that the equipment had been returned, since that is the only thing I could be getting billed for. Instead of accepting that, asking the XXXX for more proof that I in fact owe them any money, they simply put the {$110.00} in for collection, killing my credit which as perfect payment record with not a single late or missed payment.

Company response to consumer: Closed with non-monetary relief