vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am a victim of ID TheftXXXX XXXX XXXX XXXX I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because Im XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX account on my Transunion and XXXX account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and XXXX and Transunion and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am filing this dispute against XXXX XXXX. I opened a credit card with them and they closed it before I could pay the final amount of {$120.00}. I have made multiple attempts both in person at the location I opened the account and over the phone to work with their customer service department about paying off this debt, and have been told over and over again that my account doesn't exist and they have no history of the the credit card account so they can not resolve the issue. 

XXXX XXXX made it extremely difficult to make payments on the credit card throughout the entirety of the card being open. They barred us from paying the card online or over the phone and forced us to come in person to make payments the exact day the payment was due or they would add a late fees. 

The last billing statement I have from them is from XX/XX/2019. I have been trying to resolve this issue ever since. I do not have a full account number for the credit card but I can provide the last 4 digits, a copy of the bill, as well as any other information needed to access the account and pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have written several certified letters disputing the validity of these 4 Student Loan accounts and asking for the deletion of inaccurate information. There are 90 day late payments without prior 30 or 60 days late payment history and this is factual data shown on Experian 's report so how could they be doing an investigation when they don't even read their own report. Also, the highest balance listed is 0 which would be inaccurate. 3 ) Status shows updated XX/XX/2019 although I have asked for dispute after that with no proof of notice which is a violation

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 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: MD

Complaint narrative:
I received notification from my automated credit report monitoring platforms. The original creditor is XXXX, my account was sent to a debt collection agency XXXX  to me because I never received a debt validation letter. The amount of {$1900.00} is completely inaccurate but aside from this I was not allow due process to dispute this account or amount. It is in violation of Federal Laws and would like this information removed and me being allowed due process.. These companies should not be allowed to ruin someones credit because they can..

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 2022-04-01 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: GA

Complaint narrative:
I have no knowledge of this information on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no knowledge of this information on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH FCRA XXXX ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2. XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 4. XXXX  XXXX Bank Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXXept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX, XXXX XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX, XXXX. XXXX 7. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) XXXX, XXXX XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX  ) XXXX, XXXX XXXX 9. XXXXept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdXXXX  ) XXXX, XXXX  XXXX 10. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) XXXX, XXXX  XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX  ) XXXX, XXXX. XXXX 12. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) ) XXXX, XXXX XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have disputed XXXX XXXX XXXX numerous times and have also made a complaint about them specifically to you, on my credit report with Equifax it shows they removed them from my credit report only to let them add it again. So it was successfully disputed and then they added the same information all over again. 
As far as XXXX goes I have disputed this debt of XXXX XXXX XXXX and they refuse to remove it knowing that this is an invalid debt and XXXX XXXX XXXX is illegally reporting false/invalid information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've had this credit card for almost 10yrs now. I started at {$300.00} XXXX credit limit, over time that limit has increased to {$1900.00}. My credit limit has not been increased over 2yrs. I have perfect payment history and great credit - XXXX credit score. I've tried twice now to get a credit limit increase and was denied. I have two credit cards- one with a $ XXXX limit and the other at $ XXXX limit. I feel this is discrimination because I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following account is not mine XXXX Account : XXXX The following account is not mine XXXX Account XXXX Please remove from my credit report I disputed collections and still showing on my report please assist.

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 2022-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for auto loan with USAA in XX/XX/XXXX for a vehicle. Initial approval amount of {$40000.00} for new vehicle. I later decide on XXXX XXXX XXXX -used vehicle for the total amount of {$26000.00} on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX Tx. 

XXXX submitted the XXXX XXXX XXXX XXXX on XX/XX/XXXX to USAA bank, auto loan timely. Then on XX/XX/XXXX I was informed my loan was denied and I would have to apply for another without clear explainable reason why. Plus the rep stated she was coming on vacation XX/XX/XXXX with no regard to the financial burden on me. 
XX/XX/XXXX I again communicated with USAA concerning new loan request. At that time Rep XXXX stated there was no reason why second was require until he reach out to another division in which was told documentation was not received timely. XXXX records documentation was forward on XX/XX/XXXX via fax and email directly. There seem to be a unprofessional and blatantly failure of accountability on USAA behalf. Which has caused a high interest rate, negative result on my credit rate and a monthly financial burden to my household. They failed to maintain integrity in the Truth in Lending Act under their policies and loan processing relating minority community /individuals overall. This has been ongoing nightmare causing financial struggle of additional cost the loan at {$190.00} more monthly on the second loan from the initial loan cost monthly over 72 months. I was constantly told unfortunately there was were no other resolution then the second loan application. This was intentional cover up on XXXX personnel failure to process my loan timely after signature date of XX/XX/XXXX on my behalf and XXXX. I would like resolution to go back to first loan terms as of XXXX the XXXX. Because they failed to deal in good faith and truth under disclosure of truth and lending after XX/XX/XXXX signature date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH FCRA XXXX  ACCT#XXXX, IS VIOLATING MY RIGHTS

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY
15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

XXXX XXXX XXXX  ACCT#XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THIS IS NOT A DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc
State: CA

Complaint narrative:
I have requested that Uplift stop autopay on my XXXXXXXX XXXX XXXX through email. Uplift has refused. They are stating that I must call or use the chat feature. There are two issues with Uplift 's request. 1. Chat feature will not work, and states I must call. 2. The call-in wait times are 75+ minutes. Uplift falsely states that it is the policy that they must read a disclosure. When I started auto pay, I did not get a disclosure ; why would I need one to stop autopay. XXXX  rules are apparent that a merchant must comply with when a cardholder requests to be stopped billed. They violate these rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH FCRA XXXX  ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, WA XXXX 2. XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. XXXX  XXXX Bank Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 5. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE. XXXX 7. Dept. of XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 9. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdFL ) XXXX, DE XXXX 10. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFl ) XXXX, DE. XXXX 12. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) ) XXXX, DE XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX fl ) XXXX, DE 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 2022-04-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH FCRA XXXX  ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, WA XXXX 2. XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. XXXX  XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 5. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE. XXXX 7. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 9. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdFL ) XXXX, DE XXXX 10. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFl ) XXXX, DE. XXXX 12. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) ) XXXX, DE XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX fl ) XXXX, DE 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