vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I took a small loan out from a company called Uprova ( online - www.uprova.com I did research to find out they are owned by XXXX - which is owned by the XXXX XXXX XXXX XXXX XXXX CA- which is a Tribal organization ). 

They do not disclose interest rates, and it is difficult to find those, but what they do is provide micro sized loans to try to go under the radar, and then they charge exhorbitant criminal interest rates like 550 % a year. Then they refinance the loans to add to the problem.

I took out my first {$2400.00} loan with them in XXXX and have repaid thousands in interest without realizing the rates they were charging until today.

In my current refinanced loan, it is for {$2400.00} and the effective interest rate is 559 %.

When I realized what was happening I called into the
company today, XX/XX/year> at XXXX XXXX  PDT ( with XXXX  - ID # XXXX ) and then a Supervisor ( XXXX, he hung up when I asked his ID # ) called me back at XXXX XXXX PDT I told them I wanted to loan cancelled and their funds taken back and no further payments made.

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 2024-12-24 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-25 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: PA

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify and credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look unreasonably be exposed to those routes.

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 2024-12-24 00:00:00
Product: Credit reporting 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Since I paid {$590.00} for the Citi / AAdvantage Executive credit card, which offers many more benefits than my Citi Visa, it is my priority card for making payments in order to maximize those benefits. 

In response to Case # XXXX, Citi stated `` Our records reflect on XX/XX/XXXX, you attempted to make a {$8400.00} transaction on your Citi / AAdvantage Executive credit card account. This transaction was subsequently declined as your available credit limit is {$5000.00}. '' I attempted to use my Citi / AAdvantage Executive credit card to purchase snacks at XXXX on XX/XX/XXXX, cloths at XXXX on XX/XX/XXXX and groceries at XXXX XXXX at XXXX XXXX on XX/XX/XXXX. These transactions were subsequently declined as there is an issue reading the card ( NOT as my available credit limit is {$5000.00} ). See attachment. 

I called AA for purchasing AA miles of {$8400.00} during the XXXX Sales on XXXX. They told me that I could use Citi / AAdvantage Executive credit card for payment of {$5000.00} and Citi Visa for payment of {$3400.00}. The transaction was subsequently declined due to an issue reading the card.

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 2024-12-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a follow up to case number XXXX. All the details are in that previous complaint. Due to not being able to see it, I am writing this follow up. On XX/XX/2024 XXXX called me to investigate the two complaints ; telling me the same story about how they can not tell me why they closed the account and that it was an internal decision. This is not a satisfactory response. I want them to disclose WHY it was closed. 

Also, Chase admitted they will not give me a refund for the service fee that was taken out almost the same week that the account was closed. They claim that by me signing, I gave them the ok to take out the amount from my account if I did not meet a combined total. This is incorrect because the contract never stated as such and they are taking advantage of my lack of knowledge. 

This was not right that, first, they freeze my account and THEN take out {$25.00} without my permission to add insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-24 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
Hi. I was putting it off for a long time, but finally decided to sumbit this claim. I've applied for the BankAmericard Secured Credit Card on XX/XX/2024, but was denied for the BankAmericard Platinum Plus Mastercard ( a business unsecured credit card ) and eventually have gotten a hard inquiry in vain since I haven't gotten my secured credit card that I should've gotten. I've contacted Bank of America several times as well as mailed three letters to all the three major credit bureaus asking them to remove this hard inquiry from my credit reports. Everything was in vain. Bank of America didn't care at all and didn't want to resolve this. All the three bureaus responded that I authorized Bank of America to access my credit report ( in general ) and they didn't care that I haven't authorized BoA to access my credit report regarding the BankAmericard Platinum Plus Mastercard because I didn't apply for that card, but BankAmericard Secured Credit Card. They suggested me to resolve this issue with the bank itself, but the bank didn't care, so eventually I gave up trying. 
I'm having the html file of the page from the Bank of America website with application ID 's and dates that states that I applied and got denied for a secured credit card as well as two denial letters that state a denial for that Platinum Plus Mastercard. The reference numbers from the html file and denial letters match. Yes, I applied twice since I couldn't believe they rejected my application for a secured credit card since I was ready to put my money there and I had no credit history at that point. 

So, it's clear that they just confused the cards while reviewing my application and it's resulted in a denial + a hard inquiry on my reports and they didn't want to resolve this as well as the bureaus didn't take any actions to at least clarify something. 


I'd like you to take measures regarding this incompetent service that left me with a hard inquiry and no secured credit card in return. 

I'm happy to provide any additional information or evidence I have once you reach back. 

Thank you and have a good one!

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 2024-12-24 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: PA

Complaint narrative:
I cant understand why this is happening. When I checked my credit report XXXX XXXX, I found inaccurate accounts listed, and I have no idea where they came from. Ive been diligent in monitoring my report, but today was differentthere were errors that I didnt expect at all. I refreshed my browser multiple times, thinking it might just be a display error, but nothing changed. These inaccuracies remained visible. Im pleading with you to thoroughly review the documents Ive submitted because I desperately want this nightmare to end.

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 2024-12-25 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-24 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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 2024-12-24 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX  : XXXX XXXX  Account XXXX : XXXX TransUnion : XXXX Account Number : 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX Experian : XXXX XXXX Account XXXX : XXXX XXXX : XXXX Account Number : 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 2024-12-25 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: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND THIS ACCOUNT ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THAT FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT AS SOON AS XXXX XXXX XXXX XX/XX/year>. AND I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND UTILITY BILL. 
POSIBLE. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive noticed I have multiple inquiries on my credit report thats not mines and I didnt authorize anyone to run my credit- I need these items deleted off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Several of my loan accounts are marked as closed instead of paid off. Also, several accounts should be closed to the length of the debt. Also, my information was exposed in several data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: AL

Complaint narrative:
I disputed the debt with XXXX XXXX and XXXX with all XXXX  bureaus. I received my updated credit report and it looks like all of them say resolved. Yet, if you look at the screenshot I have attached here, they all have different information for who the creditor is, the status, the comments. They did not modify or update anything. It is not complete or accurate. I know a bunch of the information they're reporting is incorrect. Can you please look into this?

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 2024-12-24 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: AL

Complaint narrative:
I disputed the debt with XXXX XXXX and XXXX with all XXXX  bureaus. I received my updated credit report and it looks like all of them say resolved. Yet, if you look at the screenshot I have attached here, they all have different information for who the creditor is, the status, the comments. They did not modify or update anything. It is not complete or accurate. I know a bunch of the information they're reporting is incorrect. Can you please look into this?

Company response to consumer: Closed with explanation