vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: Risecredit, LLC
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account info : RISE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) has violated my rights!

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

15 U.S.C 1681 section 604A section 2. It also states a consumer report agency cant furnish an 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 2023-02-06 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: TX

Complaint narrative:
I sent disputes to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I contact a company called XXXX city who told me instead of replacing my whole window they would just replace a piece of the glass. They assured me it was possible and gave me a quote. I paid the vendor for the glass and them for the labor and a month later the work is still not done. XXXX technicians have told me different stories they just keep rescheduling my appointment and I have never received any window from them. I tried to file dispute but my bank is unreachable and unresponsive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In my attempts to open a checking account last month, i got turned down by 3 different banks for the same reason. Neither of them can give me a reason or explain what was going on. The only thing they did give me was the name of the bank and so i called the bank to resolve the issue or find out i called twice and went to the bank 3 time trying to resolve this issue. FIinally in my last attempt the banker informed me of an account with fraudulent activity was closed out in a negative balance with my information. i informed them i dont recall inquiring in opening an account & i had gotten my document and other items stolen from me that year. This happened twice.The banker got on the line with there collections department trying to get this report out of the way so that i can open a checking account with a bank and work on building my credit and getting my debt in line. I left after a few hours the banker informed me that she will get in contact with me with an update on this. The fraudulent activity on this account was not doing and i have several other reports im disputing for identity theft/ fraud. ive informed everyone i spoke to that this account ended up getting accessed by an unauthorized user, to dispute, and that i will make payment for the amount owed while it undergoes the dispute proccess, but nothing has seemed to get resolved. i need this account removed from my 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: PR

Complaint narrative:
The Thomas Agency claims I owe a debt already paid to XXXX XXXX. I sent them a cease and desist and debt validation letter. They could not produce any documentation that I still owed the debt. They sent me a letter on XX/XX/ 2023 stating that I still haven't paid the debt and that they have reported it to the credit bureaus. 

XXXX. The debt has been paid directly to XXXX XXXX. The Thomas Agency has no right to try and continue to collect this debt. 

XXXX. They lied about placing the debt on my credit bureaus. I checked and this is not the case. 

This is against the FDCPA laws, and the company should be punished for violating them.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX XXXX XXXX which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than XXXX email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TX

Complaint narrative:
In XX/XX/2021 I had XXXX XXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub 650 credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express decided to closed my account without asking me to. Why? They said because the payment did not go through with my bank. However, when American Express called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX has verified this person has a lot of money to cover the payment ( on a recorded line ). Now, American Express decided just to closed my account. I called them today on Monday, XX/XX/2023 at XXXX XXXX and talked to the department if they can reconsider to open my account and she ( the rep ) told me I am not eligible for it. I find it strange that American Express did this because they did not wanted to give me XXXX points if you purchase over {$15000.00} within the first three ( 3 ) months ; which I did. That being said, I am asking the Consumer Financial Protection Bureau to reach out the CEO of American Express to get my account reopened. Lastly, I also make payments to take care of the full balance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I have been in a XXXX and at two different terminals. My Discover card would not process. The solution was to call Discover customer service at XXXX and for an hour I have been trying without success here. Now the number has been busy with no way to resolve this matter. I use my Discover card for everything and maintain a high credit rating with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These are all the dresses that Trans Union will not delete off my credit report. These are old addresses and are not current. I need them deleted off my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Accounts are inconsistent inaccurate and inviolation of FCRA XXXX Subchapter XXXX. 
Information remains inaccurate & inconsistent thru 3 bureaus 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 2023-02-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Accounts are inconsistent inaccurate and inviolation of FCRA XXXX Subchapter 3. 
Information remains inaccurate & inconsistent thru 3 bureaus credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: AL

Complaint narrative:
In XXXX my student loans were transferred from XXXX XXXX to XXXX. As of today, XXXX XXXX is no longer an active company and does not exist. 

In XX/XX/XXXX I filed a dispute on my account because XXXX XXXX and XXXX were both reflected on my credit report. Because it was a transfer of loans, only XXXX should have been shown. After the initial report, some of the loans were deleted off the account but 3 remained. Late XX/XX/XXXX into XX/XX/XXXX I reported that the 3 loans remaining were a mistake and duplicates of the same loan on my account ( XXXX and XXXX ). XX/XX/XXXX Experian completed the dispute and found no duplicates. At this point I added " additional information '' to the report with a screenshot of the duplicate loans showing XXXX loans matching the XXXX XXXX loans that no longer exist. The dispute was re-opened/a new dispute was opened. XX/XX/XXXX the dispute was completed. In the results it says the XXXX loans were " Updated '' and the XXXX were processed. The XXXX loans are still on my account, giving my total student loans debt approximately over {$13000.00} more than what I owe.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I had ordered from a company called XXXX feet. I had XXXX transactions that equal {$180.00}! It takes a while for us to get the product so we had to wait a couple months. The owner of the company stopped sending refunds for the product and did not give us the merchandise! She has flat said she will make sure we dont! I have sent emails to Arvest bank of me not getting a refund or product and whats going on and they will not give me my money back because they said its passed 120 days old! I waited because she said thats when the product would be in and it never came! She scammed people out of thousands of dollars! XXXX should be getting my money back!

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 2023-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: TX

Complaint narrative:
This account is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: AL

Complaint narrative:
I sent a letter to dispute a trade line on my credit report on XX/XX/XXXX. I received the return receipt they sent back dated for XX/XX/XXXX, which was fraudulent and exceeded the 60 day response period mandated by law. On XX/XX/XXXX I received another response from TransUnion that was also suspiciously back-dated and so I wrote them again on XX/XX/XXXX. This time upon receiving their response of XX/XX/XXXX it had been sent with certified return receipt confirmation. It is clear to me that TransUnion have acted in bad faith by attempting to cover up their fraud through back-dating correspondence. To remedy this situation as a consumer what legal or regulatory action can be taken in order to hold them accountable? 

P.s. If they were going by the XX/XX/XXXX certified return receipt they stamped, and I received my first response letter from them XX/XX/XXXX. By law they would have to remove it because it had been longer than 30 days.

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 2023-02-06 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I already filed a claim with XXXX and XXXX as my credit report is incorrect. They responded that after contacting the provider their information is correct. 
The problem is in an account that I had with XXXX XXXX XXXX. This account was never late and it was paid before the term. Final payment was made on XX/XX/XXXX and since then the balance is {$0.00}. XXXX closed the account ( as it was fully paid ) on XX/XX/XXXX. The Paid Status in the Credit Reports show : XXXX XXXX XXXX XXXX XXXX XXXX Even though the above information, they are informing and insisting to the credit bureaus that I was delayed 30 days on XX/XX/XXXX, 60 days on XX/XX/XXXX, 90 days on XX/XX/XXXX and 120 days on XX/XX/XXXX, when according to XXXX XXXX itself the account was fully paid on XX/XX/XXXX and closed on the same month. How the XXXX I can be late on XXXX, XXXX, XXXX and XX/XX/XXXX when they know that the account was fully paid on XX/XX/XXXX? It is a shame and a lack of respect that they continue insisting with the Credit Bureaus that I was late when they perfectly know that I was not! Certainly they are affecting my XXXX XXXX that was always impeccable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Please refer to my previous claim with reference number XXXX and here are some of the evidence from the mortgage lender missing payments as result of late or fund misplaced by the Wells Fargo

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UPGRADE, INC.
State: VA

Complaint narrative:
Ive called Upgrade numerous times to request a statement that reflects my name, account number, and current balance. They either refuse to send this to me or state they have, though nothing has been received. I asked them to at least update the credit bureaus with the current balance since its been over 30 days but they insist they have already. Ive called XXXX and confirmed no update received for over 30 days. Upgrade continues to lie to me and refuses to provide documents to me or updates to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
the suv was repoed and sold and the dept was taking cared of this shouldnt be reporting to any of my reports and the info is inaccurate please remove it asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation