vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: MI

Complaint narrative:
THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-26 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company 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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCD Financial, LLC
State: CA

Complaint narrative:
I tried reaching out to the furnished to remove late payments because they are hurting my credit and I received no reply. Furthermore, I reached out to the credit bureau ( XXXX ) to just delete the profile from my credit since the furnished refuses and the credit bureau refuses. There is no balance owed on the account. Account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
My sister and I inherited irritated my mom and dad 's trailer park. My dad passed away in XXXX my mom passed away last XXXX. We have XXXX mobile homes and its been a struggle getting them in our names. XXXX mobile homes are showing liens on them. The three mobile homes also were purchased through 2 banks that have changed names and or gone out of business. 
These 3 homes are over 30 years old. We just need titles so we can retitle them in our names. The taxes have been paid for the last 30 years by our mother. When my sister became the executor of the estate in the state of Va. The homes went in our names where taxes are concerned. But DMV its a big mess. I have VIN numbers, models and sizes of homes. I have contacted FDIC they helped me locate the banks that have the liens but noone seems to want to help. 
I can't talk to a person everything is automatically sent to online automation. 
So here is the information : : XXXXXXXX XXXX XXXX XXXX VIN number XXXX The original bank was : XXXX XXXX XXXX XXXX XXXX in XXXX Va. Address was XXXX XXXX XXXX 
FDIC told me the bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX XXXX. 

Second mobile home : XXXX XXXX XXXX number : XXXX The original bank was XXXX XXXX XXXX XXXX XXXX 
This bank changed its name back in XXXX to XXXX XXXX XXXX XXXX XXXXXXXX. Address : is the same XXXX XXXX XXXX XXXX VA XXXX. 
The Bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX 
XXXX The 3rd mobile home : XXXX XXXX, VIN number XXXX. 
The original bank is XXXX XXXX XXXX. In XXXX Va. 
The bank that took over was XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Out of XXXX NC.

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 2022-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I have a standing debt balance with upgrade credit card company, they charged illegal fees after the account was closed and send the account to collections, the collection company called and illegally went inside my credit report and threatening me used profanity language, harassment and discrimination to let me know that she could see all my expenses and how I was using my cards and asked me for ab explanation of why I used that credit and refused to pay it back I said crying that my dad passed away and lost my job and I had XXXX XXXX she laugh at me They sent this account to another collection agency and they did the same they called me harassing me asking to get money from my mom and family members

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to Transunion, XXXX, and XXXX to dispute wrongful credit reporting and to provide proof or have that deleted off my credit 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 explanation
Consumer complaint received 2022-10-26 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account. 

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

DEP OF ED/XXXX ACCT XXXX XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reported to the experian that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX TX 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 2022-10-26 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover Card account XXXX reports me as a " Authorizer Purchaser ''. 

I know nothing about this account. I never signed for the account, I have never used or charged on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This company, XXXX XXXX XXXX was to ONLY given permission to do a soft pull on my credit report as they ONLY ASKED for the last 4 of my social security number. This isthe only reason I did this, if I was informed it was a hard pull I would NEVER have done this. I want this hard inquiry immediatelyremoved from my Equifax report. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
My identity was compromised last year and an XXXX XXXX XXXX phone was purchased under my name and SS # on XX/XX/XXXX, by someone in XXXX, Texas. I was not aware until Credence Resource Management ( debt collector ) called. I submitted the police report, completed the fraud package and was told the issue was resolved. In XX/XX/XXXX I was notified by XXXX XXXX  ( XXXX XXXX XXXX XXXX ) that my credit was hit with debt collection report by Credence. I called Credence several times with no response to my inquiry. It appears that they opened a new case and are requesting payment for the {$970.00} debt from XXXX XXXX XXXX for the fraudulent purchase. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ref # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-26 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
About two years ago, Chase had decided to increase my rate but gave me the option to close my account and pay off the balance at my then current rate 9.94 %. During this past year Chase had increased my rate to over 12 % without any justification and in violation of their original agreement. Also their online payment site is only allowing me to make payments for either the bare minimum payment amount or full balance. Nothing else in between. This shows an unfair re-payment option they are giving me, since I have been paying more than the minimum amount in the past to get this balance paid down sooner rather than later. Chase is forcing unfair re-payments on top of the illegal rate increase. Their business practices are highly suspect.

Company response to consumer: Closed with explanation