vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My business was closed due to a ceiling collapse and I was unemployed for over half a year. During this time I struggled really bad in order to make my payments and didnt miss a single payment. Due to relying on my credit cards to help make ends meet, my balances became very high. I asked Chase bank if they could help me recover from this financial hardship and they continually say that account APRs are reviewed periodically. During this hardship, they increased my credit line; and have been reaping the benefits of exploiting my situation. I am paying over {$200.00} a month in INTEREST and am never going to make progress on lowering my balance if they are unwilling to assist me. When speaking with customer service, they refuse to connect me with anyone pertaining to my hardship or even to set up a payment plan with a temporary rate. Ive expressed that their actions are predatory and that I feel exploited. I would hate to assume that this pertains to race or anything of that nature, but I was taken aback by the complete and utter disregard for a loyal customer who CONTINUALLY makes timely payments for years. I have a perfect payment history on my credit profile and have also had a bank account with Chase for over 10 years.

Seeing as I bank with Chase, they knew EXACTLY what they were doing by increasing my credit line during my hardship and their unwillingness to assist makes me feel like I am just another victim of a big time bank and that Chase will not be held accountable for predatory actions/intent. Chase is experiencing record setting success at this time and it is clear why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Carvana Group, LLC
State: IL

Complaint narrative:
XXXX refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Celebrity Financial, Inc.
State: NV

Complaint narrative:
I experienced a setback financially when struck with XXXX XXXX after my 13th documented XXXX  XXXX. This set my back financially with many of my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 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 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 the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.

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 2023-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX has violated my rights. I have been a faithful consumer with XXXXXXXX XXXX since XXXX, with 100 % payment history ( paid as agreed on time ), until UNTRUE, UNVERIFIED, INACCURATE information was reported. These late payments are in relation to a computer error, that happened on the side of XXXXXXXX XXXX After reviewing my Equifax credit report, I was made aware they are reporting inaccurate information. I immediately contacted Regions bank and their response " was contact the credit major credit bureaus ''. I was repeatedly transferred and told different information. My final attempt with XXXX XXXX resulted in a customer service Rep saying she would dispute the 2 late payments and it would be corrected within 30 days, I did not receive any communication regarding the outcome of that dispute. Nor did anyone call me to follow up with my dispute. I have exhausted all options with handling this directly with XXXXXXXX XXXX. I was left with no other option but to file a complaint. It saddens me that they don't value me as a good consumer since XXXX. Equifax is reporting UNTRUE, UNVERIFIED, AND INACCURATE 2 late payments from my Regions account ending # XXXX XX/XX/XXXX and XX/XX/XXXX. These inaccuracies are highly injurious to my credit. I have been denied a home loan due to this damaging inaccurate information. Per U.S.C. 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: DE

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 : Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  : Account # 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 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 2023-04-16 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: DE

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 : Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  : Account # 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 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 2023-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank lowered my credit limit for my XXXXXXXX XXXX XXXX card. 
I believe this is unfair as it hurts my credit by causing the account to have a higher usage ratio compared to my credit report from 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 2023-04-16 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: NJ

Complaint narrative:
Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # In XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.

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 2023-04-16 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: NJ

Complaint narrative:
Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # In XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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  Account Has Violated My Rights. ( 1 ) XXXX XXXX {$1000.00} acount # XXXX. ( 2 ) XXXX XXXX XXXX  ( 3 ) XXXX XXXX XXXX acct # XXXX {$910.00}. ( 5 ) XXXX XXXX  acct # XXXX  {$400.00}

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 2023-04-16 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 Credit Reporting Act. XXXX  Account Has Violated My Rights. ( XXXX ) XXXX XXXX {$1000.00} acount # XXXX. ( 2 ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX acct # XXXX {$910.00}. ( 5 ) XXXX XXXX acct # XXXX {$400.00}

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 2023-04-16 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: PA

Complaint narrative:
I will need to work on improving my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's important to have a good credit history in order to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I was unable to do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character in accordance with the 15 U.S.C. 1681 statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX XXXX repeatedly called me since they bought this debt. Threatened to sue me regularly. Unwillingly provide contract agreement to verify this is my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: VA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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