vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: LA

Complaint narrative:
Ed financial was not given permission to disclose my personal information. I did not give consent to report this on my credit report of provide it to anyone outside of Ed Financial. Under 15USC1681b ( a ) Permissible Purposes of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have reported Portfolio Recovery to the FTC, XXXX XXXX  and the 3 credit Bureaus for fraud. They represented themselves as XXXX XXXX when they are in fact not XXXX XXXX. 

Also, the balance listed as owed varies between the 3 credit bureaus. XXXX and XXXX has a balance as {$300.00} whereas XXXX has a balance of {$300.00} listed on my report. None of the amounts are valid and I need them removed from all 3 credit Bureaus effective immediately. 

When I spoke to a representative at Portfolio Recovery to inquire about the debt and ask for proof the response I received was " the debt is yours if we say it's yours ''. It has been months without proof of debt and I refuse to have any further contact with this company as they are now exhibiting bully-like behavior and are proving it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting 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:
In my latest credit report, my previous information is wrongly mentioned and I never stayed there. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex I never stayed there. Please remove this from 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to XXXX XXXX and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.

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 2024-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
In XXXX and XXXX I opened 2 Installment Loans with XXXX with a credit limit of XXXX and XXXX dollars, respectively. When I applied for the second line of credit, it was not disclosed to me that payments would be XXXX dollars a month. I repeatedly complained to Upgrade that this amount was too high for me to pay, and I was not informed beforehand that I would need to pay XXXX dollars on the XXXX balance. In XXXX of XXXX, I submitted a complaint through this portal in regards to my payment amounts, and this company 's failure to deliver proper TIL Statements, prior to a new loan being given. I would like to inform the CFPB that, after submitting a complaint to this agency in good faith, this company then retaliated against me by conducting frequent " reviews '' on my account. They lowered my credit limit from XXXX to XXXX and XXXX to XXXX without any substantial changes to my credit profile. in addition, they changed the way they were reporting my accounts to show they were being reported as " credit cards : and not " installment loans '' which they claim these financial products are. This action caused my credit score to drop, as I am being reported as " over limit ''. They then refused to correct said information, and every call I made to them led to further account " reviews '' which always would lead to " Adverse Actions ''. Further they have continued to restrict usage on my accounts and I am never able to use them because of frequent random blocks they put on both my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Name XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX Subject : Request for Removal of Charge-Offs and Collection Accounts Dear Consumer Financial Protection Bureau I am writing to formally request the removal of charge-offs and/or collection accounts from my credit report. Upon reviewing my credit report, I noticed that the following accounts are negatively impacting my credit score : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened/Charged Off/Collection Date : XXXX XXXX - Amount -Account Name : Discover Bank -Account Number : XXXX -Date Opened/ XXXXCharged Off/ XX/XX/XXXX Collection XX/XX/XXXX -Amount : {$3400.00} -Account Name : XXXX XXXX -Account Number : XXXX -Date Opened/ XX/XX/XXXX Charge Off/Collection XX/XX/XXXX -Amount : {$1400.00} -Account Name : XXXX XXXX -Account Number:XXXX -Date Opened XX/XX/XXXX /Charge Off/Collection XX/XX/XXXX -Amount : {$2000.00} I understand that I have a financial obligation to resolve these accounts and have taken steps toward rectifying my financial situation. I would like to respectfully request that you consider removing the negative entries associated with these accounts, as I am committed to improving my credit standing.

If these debts have been settled or can be resolved through a payment agreement, I am open to discussing options for resolution. Additionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation to verify the accuracy of the negative information. If the information can not be verified or is inaccurate, I kindly request that you remove it from my credit report.

I have attached a copy of my credit report with the accounts in question highlighted, as well as any relevant documentation for your reference. I appreciate your time and attention to this matter and look forward to your response.

Thank you for your consideration. Please feel free to contact me at [ Your Phone Number ] or XXXX XXXXfor any further information. 

Sincerely, XXXX XXXX XXXX -- - You can send this letter to the credit bureaus ( XXXX, XXXX, and XXXX ) or directly to the creditors who reported the charge-offs or collection accounts. Be sure to include any supporting documentation, such as proof of payment or settlement, if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2024-10-06 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: NC

Complaint narrative:
Additionally, upon your having corrected my credit report, please provide a copy of the same to all creditors who have received my report within the last six months. Please also provide the corrected report to all requestors who received my report for employment purposes within the past 2 years as required by Section 1681i ( d ), which requires you to, " furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ''

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 2024-10-06 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: NC

Complaint narrative:
Additionally, upon your having corrected my credit report, please provide a copy of the same to all creditors who have received my report within the last six months. Please also provide the corrected report to all requestors who received my report for employment purposes within the past 2 years as required by Section 1681i ( d ), which requires you to, " furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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 consumers rights to Privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2024-10-06 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have mailed in the documents pertaining to the inaccurate information on my credit report and it has not been corrected/ deleted.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Tried accessing my equifax account that I created on XX/XX/year>. But it says I dont have an account with the email provided. 

Tried going with need help logging in and when i input my information it says theres no account associated with the email. 

Tried creating an account but after entering my information, it says that my information already has an account. 

Called in to get it resolved and they were not able to help saying that theres no account associated with my email. 

I also still have the email where I created my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-10-06 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XX/XX/year> To Whom It May Concern : This is my final communication regarding your claims that the information below has been " verified '' and that the information being reported by the furnishers is 100 % accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly asked for your evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnishers.

Furthermore, I have requested your method of verification and you have not complied which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and 15 U.S. Code 1681e ( b ) which states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' and you have neglected to provide me which such information either time I have requested it.

In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently asked that the fraudulent XXXX be permanently removed from 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 non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank has closed and lower our limits without reasonable notice just because they can. They control too many store credit accounts, and they lower or close accounts without notice regardless of activity or not. When we pay the cards down and have any substantial available credit on that card, they lower the limit to within {$50.00} sending our credit score to the toilet and making us look like we are using all of our available credit and giving us a 95 % usage report and destroying our rating. When question why they are doing this, they report we are using too much of our credit and your score is low along with high balances on your cards. NO XXXX When you close accounts with no balances and lower limits to within {$50.00} of their balances it's going to look like all of the above! 
This is the only bank or company doing this to us XXXX  XXXX, XXXX XXXX, and XXXX " DO NOT DO THIS ''!!! They call and ask what's going on and how they can help if possible. When we explain its only Synchrony Bank doing it, they are aware and advised us to payoff and drop all cards with this institution ASAP! We are doing our best, but as we described above, every time we lower our balance, they lower our limit and claim it's because we use to much credit! Thus, the problem! Worst Company we have ever dealt with and will NEVER AGAIN!!!

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