vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Unrecognized credit pulls on credit profile

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 2022-10-15 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Unrecognized credit pulls on credit profile

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my Transunion credit report. I called the XXXX Bankruptcy court that Transunion said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or Transunion and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY TRANSUNION REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: FL

Complaint narrative:
My wife has one and I have two credit card accounts through Upgrade Card ( XXXX XXXXXXXX XXXX ). I also have a personal line of credit account through them. 

Upon checking all of our accounts after an unrelated data breach occurred in XXXX, my wife and I noticed a series of documents in our portal labeled Promissory Note - dozens and dozens of them. Even more curious, the execution of these promissory notes were done by the lender using Attorney of Record privileges. Further, we never received any Truth in Lender statements for these numerous promissory notes nor did XXXX exist within the Document portal at Upgrade.com. 

Since my wife has her own unique accounts with them, she called to enquire about all of these promissory notes and the lack of TILs, to which she was told that promissory notes are just a customary thing and that Upgrade would disregard the promissory notes when the loans had been satisfied in full. When asked what our actual balances were, the CSR declined to answer due to account security reasons - after they had authenticated us as the account holders. 

While it is explained that Upgrade works differently than conventional credit card products, nowhere could we find any information about numerous promissory notes being created and executed by a power of attorney on our behalf. We also couldnt find any verbiage that exempted them from XXXX  disclosure. 

In my review of the documents provided upon open of the account, draws being made, promissory notes, attorney of records, and XXXX, I do not believe the Upgrade Credit Cards to be a legal debt. In both of our cases with these cards, weve.not used them in months, have paid more than the minimum, and the balance will not decrease. 

These credit cards arent credit cards at all. Each time they were used a new 3-year term personal loan document was created ( with interest pre-compounded ), then the document was executed by an entity whom we didnt give explicit permission to act on our behalves- all the while NOT giving us the Truth in Lending documentation required under law. 

We have phone recordings as well as our account documentation we are happy to share if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Grain Technology, Inc.
State: TN

Complaint narrative:
I have an account with XXXX. Up until XXXX of this year I have never had an issue until the following month. All of a sudden the autopay feature stopped working so I didnt notice that my payments werent being made, I only found out when a late charge appeared on my credit report. I contacted them about this on XX/XX/XXXX but I didnt receive a response so I just decided to make my payments every month manually which is what I did. 

I found out in XXXX that the app that they force you use to make payments was only simulating a successful payment they never actually took the money so it continued to accrue interest and late fees even after I kept making manual payments. I contacted them again making them aware of my issues even going as far as to include a video of me trying to make a payment and asking them what I should do to get my account current again as there was no way for me to make a payment. I contacted them on XX/XX/XXXX and Ive continued to reach out every other day but they refuse to respond and its is have a heavy negative impact on my credit. Screenshots and video are below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX Hard inquiry notices by Capitol One on XX/XX/XXXX from multiple bureaus received in my email. Called XXXX. Spoke with XXXX sent me to application dept XXXX. Spoke with XXXX required XXXX, transferred to XXXX, transferred to XXXX. Que said XXXX was opened online application ID XXXX, she will close acct & report to credit bureaus. Her number XXXX XX/XX/XXXX Hard inquiry still showing on credit report. Called XXXX spoke with XXXX, said credit bureaus are responsible for removing fake data. Sd capital one reported as fraud, nothing more they can do. 

I do not think it should be my responsibility to contact multiple credit bureaus and jump thru their hoops to get fraud generated by Capitol One off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The wells fargo claims department is so unorganized my card got hack got stolen earlier this year I went through all my wells fargo transactions there was alot of transactions I didn't make I'm asking for my refund for all XXXX transactions call the claims department XXXX all theses are my case the claims rep gave me denied all my claims I was very honest he had me on the phone XXXX XXXX XXXX I ask him can I get a temporary provisnal credit he told me no. Theses claims from XXXX and XXXX I didn'take any of theses transactions I feel wells fargo owe me a cashier check for all theses claims when ask file a claim he told me he couldn't cause my account was close I was hack I didn't make none of these transactions

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 2022-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
As requested by PenFed Credit Union, I forwarded the XXXXXXXX XXXX Installment # 2 tax bill on XX/XX/2022, the day I received it from XXXX. The bill showed both a gross amount due of {$4600.00} and a discounted amount of {$4400.00} if the bill was paid by XX/XX/2022. 
PenFed did not pay the property taxes on my mortgage prior to the discount due date. Since they did not pay by the discount due date, I have incurred an additional {$200.00} in tax payments. My account statement seems to indicate that they will pay in XXXX, by which time I may have incurred late payment penalties. I have asked that PenFed pay the additional {$200.00} and any previous additional amounts associated with missing the discount deadline dates. 
I have offered to take over the tax payments since I am clearly more responsible than the tax serving folks at PenFed. I have been told that " senior management '' will get back to me by about Friday, XX/XX/2022. This is not acceptable turnaround time.

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 2022-10-15 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: GA

Complaint narrative:
The inquiry listed in this report is fraudulent and I did not apply for it. Also attached is an identity theft report. 

Equifax Fraudulent Inquire XXXX XXXX XXXXXX/XX/2022 *IDENTY THEFT REPORT ATTACHED*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: SC

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  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX I have a Bankruptcy XXXX  XXXX only being reported on my Transunion credit report. I called the XXXX XXXX  XXXX that Transunion said they Verified through with the court. I contacted the clerk of the XXXX XXXX  court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or Transunion and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX  XXXX FROM MY TRANSUNION REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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 2022-10-15 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: LEXISNEXIS
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my XXXX credit report. I called the XXXX Bankruptcy court that XXXX said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or XXXX and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY XXXX REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: KS

Complaint narrative:
RMS attempted to collect a debt of XXXX for XXXX insurance. I've called them and told them i don't owe the debt because I had other insurance. They added it to collections before the timeframe given to respond. I also sent a certified letter to the company. No one has called or responded in a letter. No one has sent me any documents proving to me that i indeed owe the debt. Now they have yet again ILLEGALLY added it to my reports again. I do not have faith in this company. They are trying to ruin me for XXXX! I am making strides to pay off debt i owe. I have arrangements for debt i owe. So why would i ignore the SMALLEST debt I ALLEGEDLY have? This is obsurd and they are not abiding by the law in my opinion. I feel my rights have been violated in every sense of the word.

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 2022-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Climb Credit Inc.
State: MA

Complaint narrative:
In accordance with the credit reporting act this creditor has violated my right under 15 USC 1681. Section 6 O 2 states I have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 or also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2022-10-15 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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. 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 2022-10-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act JPMCB and XXXXXXXX XXXX has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 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 2022-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX is claiming I owe them a debt which I do not I have never heard of this company nor applied for any line of credit with I asked them to show me proof that the account belongs to me and they have not. They recently updated ( XX/XX/2022 ) this account to delinquent when it is already in collections. The constantly call and harass me but no one can validate this account please get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/22, XX/XX/22 and XX/XX/22, amounts, call Capital One to resolve this issue with the company In according with Fair Reporting Act, this credit Capital One has violated my rights under 15 U.S. Code 1681c 602 states I have a right to privacy ; 15 U.S. Code 1681 604a section 2 a consumer agency can not furnish an account without my written consent and 15 U.S. Code 1666b a creditor may not treat a payment on a credit card account under open credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: SC

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  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights XXXX 

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 2022-10-15 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: SC

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 Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights XXXX 

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