vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Im a victim of identity theft, Someone has gotten my information and has applied credit from multiple lenders. I have not authorized anyone to pull my credit. I have contacted the FTC and have a fraud alert placed upon all three of my credit reports. 

XXXX  XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX - XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06 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: TX

Complaint narrative:
Re : This is not your typical disagreement. Act right away since you are in violation. 
FCRA Sections 616 and 617 : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES Accept my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to reach a settlement without going to court about your continuous violation of the Fair Credit Reporting Act by refusing to remove INCORRECT, UNVERIFIABLE, and INVALID information from my consumer file. If the INACCURATE, UNVERIFIABLE, and INVALIDATE articles described below are not removed right away, I intend to file a lawsuit in accordance with the FCRA to seek relief and recover any financial damages I may be entitled to under Sections 616 and 617. A duplicate of this letter was given to you, along with some inaccurate, mistaken items.

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 2022-10-06 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account 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 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 2022-10-06 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, Synchrony Bank Care Credit, has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer account credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Credit Karma, LLC
State: MS

Complaint narrative:
Credit Karma has falsely led me to believe that I was pre-approved for both a credit card and an auto loan, after I applied I was denied from both the credit and auto loan applications. They have impacted my life as a consumer due to false advertisements. This has put my family and me in a hard financial bind. I am still not able to obtain a car due to this, I have lost all hope behind this. They consistently send me offers of pre-approval for different things to this very day. The most recent was in a lower rate on insurance it is unfair and unjust. 

15 USC 1681 A ( 4 ) Right to Privacy 15 USC 1681 B ( 2 ) Permissible Purpose 18 USC 1028 A Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T_Bank/Alerts, You are Required to reject an unknown charges of {$860.00} from XXXX Click XXXX : XXXX to reject now. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
My identity was stolen and a personal loan was taken out in my name. Upgrade did not require in-person identity verification, only an " online signature '' using information that was easily stolen. Upon request, they provided a statement showing what was used to procure the loan and it was bank account numbers and routing numbers and social security numbers that were exposed in a breach early in XXXX. They were less that helpful in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My XXXX account was hacked in XXXX of XXXX  and because my XXXX XXXX was tied to my XXXX payment source ( XXXX ), those who hacked it were able to charge almost {$2000.00} in fraudent XXXX trips and XXXX XXXX  ( which I have never used ) deliveries. I first reported the fraud when I received my XXXX statement. I reported it again in XXXX when more of the fraudent charges posted. In each instance, the representatives of XXXX Barclay 's told me I had to pay the entire balance, even the charges reported as fraud, or my credit rating would suffer. My XXXX  XXXX XXXX XXXX was also tied to XXXX and was used, but unlike XXXX, they informed me I did not have to pay the disputed amount. I have made a total 22 calls to XXXX since XXXX and spoken to multiple staff and had to report the fraud a total of 11 times ( since those who took the claims evidently did not know how to take the reports ). I am now on the 22nd call with a supervisor, who is looking at notes from another supervisor with whom I spoke on XX/XX/XXXX, and the notes stated I would receive a credit for the fraudlent amount. And that did not happen. This supervisor 's name whom I spoke with today is XXXX, Operator ID XXXX and the Case # is XXXX. She was very helpful but time will tell if there is follow up behind the promise to resolve this case that has been ongoing through no fault of my own, since XX/XX/2022.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
In XX/XX/2022, I contacted Bethpage Federal Credit Union to buyout an Auto Lease with them, and change it into an Auto Loan. 

After running through process problems with them completing that auto loan, I was finally able to complete it, and I submitted signed documentation to them in early XXXX, with the completion of the loan, to put the loan on Auto-Pay. 

In XX/XX/2022, I noticed that my credit score had been damaged because of missed payments on this Auto Loan. I contacted Bethpage, made the missed payments, emailed them the completed Auto Pay form from back in XXXX, and complained that my credit had been damaged. 

They summarily dismissed my complaint as " not their problem '' and refused to fix the credit report issue. I was under the impression that I had been put on Auto Pay. 

On XX/XX/XXXX, the night of XXXX XXXX, I was surprised that a Repossession person showed up at my door and took my car. Apparently I had not been put on auto pay again, and was missing 3 months ( XXXX, XXXX, XXXX ) of payments. Now I'm being charged a fee to pay for the repossession ( {$470.00} ). 

I have contacted Bethpage, they refuse to say that it's their problem in any way, can't give me information on why my auto pay was never processed, and won't help me file an internal complaint within their organization. They claim they are investigating, but I never see the results of their investigation other than a denial of fault, and more damage ( financial, suffering, credit score damage ). They refuse to help and claim that it's all my fault. 

I believe I have experienced XXXX XXXX with them, that I am being singled out, that their processes fail for some odd reason and I'm not being notified or helped.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had opened an account with PayPal Credit, at their invitation, and got approval of a limit of {$1000.00}. After approximately 2 months they dropped my limit to {$300.00}. Without explanation or advance notice. I saw that I had a late payment, but thru my fault by theirs. I had signed up for auto pay. but it did not take properly and their refunded my late fee. But still no explanation of credit limit drop. Two to three months and drop my limit when all other reports are in the positive. Account opened in XX/XX/2022 with XXXX limit and XX/XX/2022 down to XXXX. Last 4 of account number XXXX. This action dropped my credit score XXXX Points.

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 2022-10-06 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
Loan was taken out in my name as a result of identity theft. Debt collector sent certified letter and XXXX delivered it to wrong address and I did not sign for it. I was not made aware of attempt to collect until after garnishment of wages began. Debt collector was called as is not helpful. Tells me I need to contact lawyer and transfers me to phone number where I leave a message and no one calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I am having a serious problem with the Carter-Young XXXX XXXX they are located in Georgia. 

I have sent the debt collection company 5 emails, 1 fax, and have also communicated with them via their website. I have provided proof that the debt is false on 6 occasions. I have also filed a complaint with the Better Business Bureau. 

The collection agency responds to my every communication with generic replies that proves to me that they arent reading what I send to them. For example, I have on 4 occasions provided a detailed explanation of what they need to do to rectify the problem. On 3 of the occasions I received a generic reply saying please advise how you would like to address this situation. On 1 occasion they said they didnt get the proof I sent even though the proof was attached to their reply! 

Because of this erroneous item on my credit report I was not able to be pre-qualified for a mortgage and lost out on the house we made an offer on. 

I have been communicating with Carter-Young for almost 3 weeks and the problem still isnt solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have used a BoA credit card since XX/XX/XXXX. They provided a 0 % interest transfer rate which I took advantage. That date was XX/XX/XXXX. Immediately after the transfer the bank auto drafted from my bank account in the amount equal to transfer. Yes, they asked for all of it back in the form of a single payment. I provided a complaint to the company and they eventually refunded me the payment minus the normal amount due. The following two months everything worked well, but again BoA changed something and decided to begin charging me interest on a 0 % interest program. I have since called back two times with each employee apologizing for the mistake and claiming the charge will not occur again. Well, we are now in month 3 and it is still happening. I spend over 1 hour each month trying to get this resolved, and essentially training and teaching the individuals on the phone how to resolve this issue. The 2nd time I called I was told a supervisor would call me back to confirm the necessary changes were implemented. That never happen. The third call I was told the same, but right now I am fairly confident that won't happen either. I am also waiting to get the 3rd interest rate refunded and expecting a 4th call ( 1 hour long ) is necessary. In order to get this resolved correctly I am trying this route. BoA has always been known for bad service and nothing has changed over the years.

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