vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In XX/XX/2023, I made what I thought to be a payment to my Golden 1 credit card account. There was a pop up saying system maintenance in progress but nothing to state I couldnt make the payment. I assumed the payment went through because it acted like it did. Fast forward, I find out the payment didnt work due to their constant system maintenance. When I called to not only make the payment but also take care of the late issue, I was told that I shouldve known better and had other methods to make the payment. This is not true because I did my due diligence in making the payment. Even if I had known it didnt go through, which I didnt, I am a XXXX veteran. Golden 1 does not need to know of my accessibility to other methods like phones, vehicles, internet, etc. I made the payment in the one way I was able to. I am now being punished for this. 

Golden1s terrible system and constant upgrades hinders our ability to make payments. 

In addition my response to them included the following : It is not acceptable to be literally the only credit card company that does not send out Payment Upcoming emails. Unlike all major companies like XXXX XXXX, Golden1 instead sends out generic emails that say Your Statement is Ready. Statement is confusing, misleading, and the emails do not give details like date due, amount due, etc. Please take a note from XXXX XXXX playbook. 

Your system upgrades are confusing and misleading. They should completely shut down the site with a full page System Upgrades in Progress banner. Instead, Golden1 allows a user to log in and perform some things, as in my case, just to later find out they didnt work such as my payment made within the 30 day grace period.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Notice of Dispute - Violation of FCRA Rights and Request for Account Removal To Whom It Concerns, I am writing to formally dispute the handling of my credit information by Equifax and to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. After reviewing my credit report, I have discovered that there is an inaccurately reported charge-off account from XXXX XXXX with the account number # XXXX. 
Under the FCRA, I have the following rights, which have not been adequately addressed in the handling of this account : 1. The right to an accurate and fair investigation : Equifax has failed to conduct a proper investigation into the disputed charge-off account, which is my right under the FCRA.

2. The right to dispute inaccuracies : As a consumer, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. This includes late payments associated with the disputed account. 
Based on the aforementioned rights, I hereby request that Equifax promptly removes the disputed charge-off account from my credit report, along with all associated late payments. I expect this to be done in a timely manner, as required by the FCRA. 
Failure to comply with my request and rectify the inaccuracies in my credit report may lead to further legal action to protect my rights under the FCRA. 
I have attached relevant documentation to support my dispute. Please review this information and take the necessary steps to correct my credit report accordingly. Thank you for your attention to this matter. I anticipate a swift resolution in accordance with the FCRA 's guidelines. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: NJ

Complaint narrative:
on XX/XX/2023 I submitted a dispute with credit reporting agencies to resolve issues of inaccurate information on my report that I asked to be removed. in recent days following that i started to study Section 604 15 U.S. CODE 1681 B, as well as Section 605 A,15 U.S. CODE 1681 C-1 and Section 605 B 15 U.S. CODE 1681 C-2, which to my best understanding explains consumer rights being violated by the reporting companies. because these companies use automated systems which utilizes automated responses there is no human communication. therefore the exchange needed for the purpose of consent and authentication is nonexistent. there is supportive case law in each of the formentioned U.S. laws. I certainly didn't have communications with neither parties prior to this information being reported. therefore i believe my rights as a consumer has been violated.

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 2023-07-25 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: UPGRADE, INC.
State: VA

Complaint narrative:
I had a XXXX XXXX send me a loan offer from Universal Credit. He sent me a form to fill out with my personal information and banking information to finish the loan paperwork. I felt something wasnt right because of the way he wanted to deposit the money. So, I called another number for the company and they told me that wasnt their process. So, this XXXX XXXX has my XXXX and my banking information. I spoke with the bank and they have put a hold on the account till in the morning to close out the account. XXXX XXXX had documents that looked exactly like the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
My credit account been having transactions since XXXX till Now XXXX transactions I am totally unaware of...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: NY

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy WESTERN FUND Account Number : 1731 Please remove it from my credit report.

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX FL XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
So for over the last 6 months. I've been having issues getting destiny Mastercard to accept my monthly billing payments I enter ( using XXXX XXXX XXXX account ). It says payment received an I get a receipt then like a week later it shows reversed. My account was closed due to : to many reversal payments reasonings ( insufficient funds ). But my bank statements can verify that every Friday there's money an that I do indeed have receipts indicating paid them reversed. This issue is still happening even though my account is closed due to error on their behalfs. I accepted that decision an just been making payments til it's all over. I told them my problems are the same today and I was not getting help I needed to fix their errors. I've been building credit an it's like everytime I pay in advance ( before billing date ) to help out my credit. They over turn it back to my account after receipting payment received. Please go over my whole Mastercard reports to correct over charges, fees late fees and, or interest /credit downgrades to where they re all suppose to be. So I can respectfully pay the remainder owed. But I need it corrected first When I make a larger payment other then minimum it reverses if it's minimum they accept! Idk why they are doing it, besides insufficient funds that are not insufficient. Proving so with date to date statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is truist bank and XXXX XXXX XXXX  ( Bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had a personal issue that caused me some life disruption, leading to the the account to which my auto-pay was connected to run empty and thus I missed my timely minimum payment. I quickly noticed the error ( more than XXXX week, but less than XXXX days ), made the payment from another bank account, and set the new bank account to auto-pay to ensure I didn't let this happen again. Or to reduce the chances, let 's say, because mistakes happen -- right?! We still believe that, that mistakes happen, right?! 

Citi closed my account. With no other explanation. They sent me a letter that said they periodically review accounts, and since I recently made a late payment, my account was closed. I called them, and they said if the letter doesn't contain options for reopening the account then there is no option/offer to reopen the account. 

Now I've been a " good customer '' of theirs, paid plenty in interest over the years, so I don't even understand their business motivation, much less whether and how this is legal. I don't recall ever being late on a payment previously. I often pay the balance each month but lately I've been carrying a balance for them to charge interest on, so I don't see what they are thinking. I have good credit over XXXX and you don't get that if you're late all the time. 

I do have two theories as to what may be going on and they are quite opposite one another. 1, to explain the overreaction and too abrupt a response, perhaps it's inadequately monitored algorithms moving so quickly they are cutting of Citi 's nose despite Citi 's face ( and customers ). If it's not algos run amok, perhaps the card issuers collude to keep consumers in unfair terms and prevent consumers from playing the issuers off of each other with sudden disruptions. I did just recently do a large balance transfer from Citi to a 0 % rate card; did that anger them and is that the real reason they closed my account? 

If this is legal, it shouldn't be. I feel like Citi has more obligation than this to its customers, or it should have.

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 2023-07-25 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: HI

Complaint narrative:
Tranunion need to remove XXXX late payment. Never been late.

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 2023-07-25 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: WI

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. 
I told XXXX, XXXX, and equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: CO

Complaint narrative:
On XX/XX/XXXX I was notified of a hard inquiry on my credit report from XXXX. The same day, also on XX/XX/XXXX, I received a confirmation email from XXXX 's congratulating me on my new XXXX 's XXXX XXXX, issued by XXXX XXXX. I can't even remember the last time I went into XXXX 's ( if I ever have ) and I NEVER applied for this credit card. 

About a week later, the XXXX 's card showed up in my mailbox. When I called the " card services '' number listed, the person I spoke to immediately said she needed my social security number. I didn't feel comfortable offering this information and I hung up. 

Furthermore, I almost missed both the credit alert and the initial XXXX 's email because they were buried in what I have since learned is called subscription XXXX. On XX/XX/XXXX, my email was flooded with hundreds of confirmation emails from hundreds of random websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-26 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: FL

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$4500.00}

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 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This is XXXX XXXX, the consumer in fact, and natural person is sending this notice to AMERICAN EXPRESS. AMERICAN EXPRESS is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the AMERICAN EXPRESS. Since the AMERICAN EXPRESS decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Upon receiving this notice, I implore you to CEASE AND DESIST further communication through all mediums, ie ; email, phone calls, consumer reporting agency or any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). It is unlawful to furnish any form to create a false belief to coerce payment for this alleged debt through deceptive means. Pursuant to 15 USC 1692d ( 2 ) the use of obscene and profane language in this correspondence was very abusive for me to read!! Not to mention the unfair means used to attempt to collect this alleged debt by attempting to add additional fees to the alleged principal amount giving false representation of not only the status, but the amount of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CapitalCredit LLC
State: TX

Complaint narrative:
I purchased my XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX XXXX on XX/XX/XXXX. The original contract 's final payment maturity date was to be on XX/XX/XXXX, but due to the XXXX pandemic resulting in job loss, I had two ( 2 ) deferments, which pushed the maturity date to XX/XX/XXXX. 
CapitalCredit LLC XXXX  XXXX acquired my auto loan from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, in XX/XX/XXXX. During the course of payments with CapitalCredit LLC XXXX  XXXX, I had two ( 2 ) more deferments on XX/XX/XXXX and XX/XX/XXXX, which were added to my account, which then pushed my maturity date to XX/XX/XXXX. 
The XX/XX/XXXX maturity date was confirmed by several employees in the XXXX, TN Corporate Home Office ( XXXX on XX/XX/XXXX, XXXX, and XXXX ; XXXX and XXXX are no longer with CapitalCredit ), however, when speaking to XXXX ( CapitalCredit LLC XXXX  XXXX Manager ) on XX/XX/XXXX, he advised my maturity date was XX/XX/XXXX. I told him that was not right and was miscalculated and needed to be re-looked at. Since XX/XX/XXXX, I have yet to receive the information that I asked for and was told that my file was brought to him as a " Problem File ''. I still have yet to receive the corrected calculations, my contract when they obtained the loan from XXXX XXXX  XXXX, and MY TITLE ( now that I have paid the last payment on XX/XX/XXXX, according to my original contract 's final payment date of XX/XX/XXXX, plus the four ( 4 ) total deferments over the life of the loan ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation