vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a credit card from Bank of America ( BoA ) beginning in XXXX. I received an in-app offer in XX/XX/XXXX that my card may be upgraded without a credit check or change of card number, the reward points offerings were considerably less, however there was a deal for spending {$1000.00} in a three month period and receiving {$200.00} worth of points. I agreed and the time period was set for XX/XX/XXXX- XX/XX/XXXX ( around 2.5 months, interesting ). 

I have tracked all of my purchases and returns on the card and the net positive purchases was a total of {$1000.00}. I proceeded to use different cards once I reached the goal. 

I have called the bank 6 or 7 times about this issue and spent countless hours on hold just to receive no assisstance. One manager even counted the purchases and returns with me and concluded they made a mistake so he sent a request to the department that can review the transactions and correct my rewards points. Two weeks later and they said no I did not reach it, they won't say by how much I missed it or what charge isn't considered. 

On my last call to BofA, they said they dont have a record of this offer and can't escalate this again. Luckily for me, the department that initially reviewed me sent a letter with the dates of the rewards period and acknowledging I did have the offer and saying I did not reach the required {$1000.00} spending. However there were no details, such as only spending {$950.00} out of {$1000.00} or {$850.00} out of {$1000.00}. 

A final count of all of my purchases subtracted by returns is a total of {$1000.00} which is greater than the {$1000.00} minimum needed for the bonus offer. I would not have upgraded my card because the original had a better cash back percentage but this offer was too good to be true I guess. 

They also have hung up on me while I have waited an hour on the phone. Truly disrespectful. I am available to send all of my transactions and the letter from the bank stating I did have the rewards offer that they currently claim doesn't exist.

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 2022-05-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I informed United Collection Bureau that I have no outstanding account, no debt, no financial services accounts, no student loans ( I paid out of pocket in XXXX  ) no government loans no balances. I asked them to remove me any any information related to any account from their database. My identification was stolen and used fraudulently from XXXX. The police report you have ( sent four times ) supports this. I ask for your help in ensuring United Collection Bureau does not have any contact with me and removes me from their database of fraudulent accounts they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
After carefully reviewing the letter I sent to NCA certified mail, received on XX/XX/22. written response letter on XX/XX/22. According to their written letter on XX/XX/22 they stated they will start a properly investigation and ceasing collection to all reporting credit bureaus. 
The items listed remain on XXXX and XXXX, 2 accounts with 2 different amounts, which NCA reported false and inaccuracy information on my behalf. Deformation of character. 

Violated 15USC 1681s-2 responsibilities of furnisher of information to consumer reporting agencies, on the same day upon receiving debt violation letter and not reporting on the XXXX and XXXX of each month. During this time the Company has damage and violated my rights under the FCRA 15USC1692e. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

15

usc1681. The law required by federal law to verify that this information is mine and is correct. The company has only provided me a copy of a promissory note, which is not enough, per law they have 30 days to verify. SECTION 609 ( a ) ( 1 ) ( A ), SECTION 611 ( 5 ) ( A ).

The law is very clear SECTION 617 Civil liability for negligent noncompliance I demand the accounts to be DELETE IMMEDIATELY FROM ALL 3 CREDIT BUREAUS and my credit score to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: MO

Complaint narrative:
It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : 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 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 explanation
Consumer complaint received 2022-05-28 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: MO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} are erroneously reporting on my Credit File.

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 2022-05-28 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: NC

Complaint narrative:
I have recently reviewed my EXPERIAN, XXXX XXXX, and XXXX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXXXXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on EXPERIAN are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.

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 2022-05-28 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: MO

Complaint narrative:
It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXXXXXX XXXX XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$900.00} ; XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; and XXXX XXXX AV XXXX XXXXXXXX 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 2022-05-28 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: MO

Complaint narrative:
It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXX CRP XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; and XXXX XXXX AV XXXX XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: MO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} are erroneously reporting on my Credit File.

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 2022-05-28 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: MO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} are erroneously reporting on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
Firstly, according to court order the actual owed amount was a little over 2 grand and they sent me to collections for XXXX grand. 

The debt is from 2015, meaning the 7 year line has nearly hit. Since about 3 months ago they have repeatedly removed and re-sent me to collections making my credit score fluctuate. This is only to XXXX, I have disputed on XXXX off the basis it was removed from XXXX which is what I believe started this. 

They have also called family members not involved with this debt and sent mail to every address I had prior and after the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: Grain Technology, Inc.
State: NY

Complaint narrative:
I've emailed the company numerous times about a glitch in the system that wasn't able to verify my identity. I've had this account for over a year there shouldn't even be anything wrong with this account considering verifying identity, as a result they are intentionally causing a derogatory mark on my credit by not responding to any messages for me to even pay off this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
my rights have violated by the bureaus and/or creditor via the following account -XXXX XXXX XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND 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 explanation
Consumer complaint received 2022-05-28 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My credit report stated Wells Fargo balance was {$360.00}. I never owned this to Wells Fargo. But I paid it to help purchase a home loan. After hearing on the News of Wells Fargo false reporting. I needed to get my money back. Also Wells Fargo check for {$43.00} was returned stating insignificant funds.

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 2022-05-28 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is Swiss colony

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: NC

Complaint narrative:
I have recently reviewed my XXXX, TRANS UNION, and XXXX XXXX report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on TRANS UNION is a fraudulent collection account reporting from XXXX XXXX XXXX XXXX  account # XXXX. Also on TRANS UNION is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.

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 2022-05-28 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: NC

Complaint narrative:
I have recently reviewed my XXXX, XXXX XXXX, and EQUIFAX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on EQUIFAX are XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXXXXXX XXXX  account # XXXX, and XXXX  XXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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:
my rights have violated by the bureaus and/or creditor via the following account -XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND 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