vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: IL

Complaint narrative:
I sought a lower APR since my payments are on time, set to auto pay to make sure I'm on time and monthly. 
My APR went from 14 % to over 17 % and I wanted to know why, and asked if it could be lowered... 
This is how that conversation went, just minutes ago : " Discover XXXX XXXX XXXX, thanks for reaching out to us today! My name is XXXX and I'm located in the Illinois location. How can I assist you today? 
XXXX Just wondering about my APR that was 14 %, now 17 % I'm on auto pay, so unsure why it would increase? 
And is there any way to bring it down? 
15 minutes agoXXXX XXXX  picture Discover Please allow me one moment to review your account and I will be right with you. 
XXXX Thank you. 
XXXX minutes agoXXXX XXXX picture Discover At this time I don't see any options to lower your Apr. 
XXXX why? Payments are on time. 
I will gladly contact the Federal Trades Commission again if need be. When someone is paying on time, you reward them by increasing their APR? 
XXXX minutes ago New Messages XXXX XXXX  XXXX XXXX Discover I can truly understand your frustration. I'll apply the feed back. 
Discover XXXX. We calculate variable rates based on the Prime Rate ; we use the highest U.S. Prime Rate listed in the online The Wall Street Journal ( XXXX ) on the last business day of the month If you have a variable APR, it will vary with the market based on the Prime Rate. That may explain the increase. AT this time is there anything else I could possibly assist you with? 
XXXX no '' As you can see, there is no interest in lowering a person 's APR ... Why when they don't have to?! This is HIGHWAY ROBBERY and our government needs to CRACK down on this! All of them, not just Discover XXXX. If a person is able to pay off their debt, they will be able to provide more to the economy. 
I'm not asking for a 0 APR, I'm asking for a lower APR that I may actually see light at the end of the tunnel! My current APR rate is 17.24 %. Again, I'm not seeking 0... I understand it is how they make their money. I am seeking a lesser percentage as I'm a long-standing customer with on time monthly payments. 
My current minimum payment due is {$310.00}, with a monthly interest rate charge of {$200.00}. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/year> 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
I was served with court documents in XX/XX/year> a motion to prove I owed a loan debt. I didnt respond because I thought it was fraud. This past week I receive a petition from district court about garnishment of my wages. I filed an answer refuting their petition. I have no knowledge of this so called loan or this company. I never received any verification of a loan and my credit report shows no loans by this company.

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 2024-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.

Complaint narrative:
My XXXX passed away on XX/XX/2024, and we opened up a probate case in XXXX XXXXXXXX XXXX where the property is located. The Court appointed me the administrator/personal representative of the estate. I have provided the letters of administration which is the document SPS requested. They stated it was not enough to provide the payoff information so we can sell the house for the estate. The probate judge then signed an order stating we could have it or to provide it to the court which they haven't. Whenever you call they have someone who answer who can not tell you anything or can not tell you what they want. Whenever they send a letter it does not describe what they want just that it is insufficient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the unresolved issues related to my credit report. Despite several attempts to correct a late open account this discrepancy remains on my credit report, causing significant financial harm and distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. Subsequently, I have made several attempts to dispute this inaccuracy with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. Despite my commitment to resolving this matter, this inaccuracy remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. This unresolved credit report issues have caused me significant stress and financial hardship. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. I kindly request that you take immediate action to thoroughly investigate and correct the late open account account from my credit report. I also request a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies. I am asking for your assistance to correct the account : XXXX XXXX  XXXX Balance : {$390000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 
Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and XXXX XXXX I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
My credit report shows a collection from Transworld Systems Inc. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I request validation of the debt. Therefore, the company should have provided me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of their state license, including license number.

Transworld Systems Inc FAILED to provide several items on that list. They did NOT provide documentation that shows I agreed to pay this debt. They also did not provide the Agreement that grants them the authority to collect on this alleged debt. They also did not provide a copy of my state license, including license number. They did not send me all five items. They can not send me some of those documents without falsifying them because they do not exist. 

I have attached the one, and only document the company sent me, that does not show where I am obligated to Transworld Systems Inc in any way. I am disputing the account stated below. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to verify that this is indeed my debt. 

Account name : Transworld Systems Inc Account number : XXXX The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I use a company called Square to charge my clients. I was paid {$290.00} for a service and paid the extra fee to have it directly deposited into my account. I never received the money. Square says they sent it, my bank shows they didn't. They gave me a number to give to the bank to look it up and they said there is no deposit for that day. It's been XXXX months and I have yet to get my money. It can't just be in limbo like this. This has been happening to so many people in the country. It's unacceptable. I need my money. I've been back and forth with both my bank and square and they just point fingers but I know something fishy is going on on Squares end. They say I need a letter from the bank showing that there was no deposit. My bank doesn't issue these letters for security purposes. The law says that the invoices should be enough. And I already sent those invoices months ago.

Company response to consumer: Closed with explanation