vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
The following credit inquiries on my Equifax credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: SC

Complaint narrative:
I have been disputing these same items for months and no help. Please delete these inaccurate and unverifiable items from my report 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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
XXXX XXXX has been calling me since XX/XX/2021 for a medical debt I had not received any bills about. These people call at least six times a day, do not provide names or company name unless I provide personal information to verify who I am, including a social security number. If I don't give this information, they keep calling anyway. 

After contacting the place I say I had debt with, I discovered the debt amount and billing date do not match up with any medical issues I had, and the place I had the debt with confirmed they did not have any records of this false information. XXXX had advised I had insurance cover part of this debt, as well, which was not possible according to insurance. 

Now, a couple months later, they are contacting me again. I had sent an email to them, as well, explaining and documenting the situation, and it has gone nowhere. They do not care if I don't want to be contacted, and will not stop. They call every 30-60 minutes except for a couple hours in the middle of the day, starting XXXX and ending 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 2022-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute regarding a product that arrived defective in the amount of {$37.00}. Bank of America issued a temporary resolution in my favor on XX/XX/XXXX of {$37.00}. On XX/XX/XXXX, the claim was reopened without any communication after Bank of America received a response from the merchant. On XX/XX/XXXX, I received an electronic communication requesting more information regarding my contact with the merchant. The requested information was due by XX/XX/XXXX. On the evening of XX/XX/XXXX, I submitted substantial ( 20 or more pages ) of documentation. On XX/XX/XXXX, without reviewing the information provided, Bank of America closed the case with and sent electronic communication stating that the case had been closed because of failure to respond and charged my card the amount of the original transaction ( more than the disputed amount ). We called Bank of America on XX/XX/XXXX to determine what had happened and were told that they had requested additional information for a XXXX review of the dispute and that they had, in fact, received the information we provided. On XX/XX/XXXX, Bank of America issued a correction to our statement refunding the difference between the original amount and the disputed amount. The week of XX/XX/XXXX, we were told that XXXX had resolved the claim in our favor and a refund would be provided within a week. On XX/XX/XXXX, we were told that XXXX never reviewed the claim and that the claim had been opened because the merchant responded, but that they ruled in his favor because we did not respond. Between XX/XX/XXXX and XX/XX/XXXX, we have had multiple phone calls. Bank of America is currently claiming that because their electronic system automatically closed out the claim and rebilled us for the amount that they had to reopen the claim and are reviewing it. We were told on XX/XX/XXXX that Bank of American would complete their review by noon on XX/XX/XXXX and to call before the end of the day because they would not be sending any electronic or written communication about the results. We called the afternoon of XX/XX/XXXX to be told that they had not yet completed the review and they did not know when completion would occur.

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am a long time customer of Citi with an excellent payment history. Last XXXX I purchased a home and I needed to use my credit cards for some time until I received my bonus this XXXX. I knew that I would be able to pay the debts I was accumulating, and I was paying on time and the correct amount throughout all of this on all of my accounts. When I received my initial bonus I paid down my cards significantly - XXXX on one card and XXXX on another. As soon as those payments cleared my credit report was hit, my credit limit reduced by the amount I had paid, and my XXXX XXXX negatively impacted by the overall reduction of credit. The percent utilization of credit should have significantly reduced, particularly since these were not the only cards I was making significant payments on ( I paid another XXXX on a different card ). There was no reason to execute this action. I called Citi and attempted to resolve the problem and get my limits reinstated, and even after escalation I was told that there was no point, that it was their policy to do this to their customers and my limit would never be reinstated. I attempted to resolve this through a dispute through XXXX, since they told me to take it up with XXXX, but Citi ignored my argument and just confirmed that the information regarding my account was accurate. Let me repeat, I am a long time cardholder in excellent standing - the only thing I did was utilitize the credit I had been given, and then paid down the balance in a large lump sum! Why should I be punished with a credit limit reduction for that with no cause whatsoever to take any action. My credit score has already increased because of the other payments I have made, and would be even higher had Citi not reduced my credit limit so dramatically. I simply want my credit limits reinstated in my cards. 

I will note that I have seen XXXX  complaints about this exact situation and Citi makes no attempt to work with their customers on this issue.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : 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 under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX 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 2022-04-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: OR

Complaint narrative:
Had several loans, very good standing. Trying to pay off loan early for several days but website doesn't allow access. Several phone calls... they transfer me to and then phone disconnects after XXXX minutes. No reply to my email either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I contacted the debt collector and they sent over a leter saying they verified it. They did not send anything else to say what they did to vefify it. ALl 3 credit bureaus did not provide any proof either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: CO

Complaint narrative:
XXXX XXXXXXXX XXXX  Account illegally sold the debt to XXXX XXXX XXXX. in accordance with Colorado Law SB 20-211 and the Fair Credit Reporting Act ( FCRA ). 

Colorado passed a law ( SB 20-211 ) prohibiting judgment creditors from initiating new " extraordinary '' collection actions, unless specific legal requirements were met. Under this law, before taking any action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment on a debt as defined under the Colorado Fair Debt Collection Practices Act, the creditor has to notify the debtor about, and provide the debtor with, a garnishment and collection suspension, if requested. 
As permitted by SB 20-211, the Administrator of the Uniform Consumer Credit Code extended the right to get a garnishment and collection moratorium through XX/XX/2021. 


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, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This account XXXX appears to be inaccurate or incomplete on my credit report and it only reports to Equifax XXXX The said account has violated my consumer rights in accordance with the Fair Credit Reporting Act. As mandated in 15 U.S. Code 1681i Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I took out this loan. I was paying on if for 2 years prior to Covid19 and my balance never changed. Covid19 hit, I list 6 family members to include my mother. I have had my own battles with XXXX I have siblings with long term symptoms. Several people remain out of work today. A lot has been placed on me! I can no longer make payments in the amount that they want. I asked for an interest rate reduction. I need a permanent reduction in the payment and the interest rate. The majority of my payments go to interest. At this rate it will take way to long to pay this off. They have pushed some payments to the end of the loan. When the time frame comes to an end I am still not able to pay the entire payment. The majority of my payment still goes to interest. I asked for them to forgive all or a portion of the loan. They will not do either. Im going back and looking over my loan, the interest rate is tremendous. I am pretty sure they have broken the Usury Laws in Georgia. I feel that I am a victim of Predatory Lending. They were also sued in Virginia for Predatory lending practices. as recently as 2018. I just need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MN

Complaint narrative:
TODAY I SPOKE TO THE FRAUD DEPARTMENT AT EXPERIAN SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST XXXX  FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH EXPERIAN. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.

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 2022-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have gap insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$150.00} 5 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}

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 2022-04-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have gap insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
XXXX XXXX claimed I owed money on a shipment from overseas. I asked the shipper to pay this bill. They did not. XXXX XXXX sent me several bills while I was trying to get the shipper to pay. XXXX sent my account to TransWorld Systems , Inc. for debt collection. Meanwhile I paid off XXXX XXXX. Transworld continues to send me collection notices even though this debt is paid. I would like them to cease and desist.

Company response to consumer: Closed with explanation