vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The American Express XXXX XXXX XXXX card used to allow cardholders to " cash out '' Amex Membership Reward points into a linked XXXX brokerage account for XXXX cents per point. 

At some point, the cash out value was reduced to XXXX cents per point. This change was made at the same time that other changes to the XXXX card benefits, along with an annual fee increase. 

I received no notice or disclosure that the value per point was changing, as Amex only gave me notice of the changes that applied to ALL Platinum cards, rather than changes to my specific Amex card, which had other benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This is the only correct address that should be listed on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX Also my correct name spelling is XXXX XXXX XXXX this is the only correct name that should be listed on my Credit Report I have no other variations of a name.. Also I have only one phone number XXXX I have provided complete documentation to the Credit Bureau XXXXs on multiple occasions by Certified mail and still they have not corrected the Personal 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 non-monetary relief
Consumer complaint received 2022-06-08 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:
multiple inquiries & unauthorized XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-08 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: CA

Complaint narrative:
multiple inquiries & unauthorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA

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 2022-06-08 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX  XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX  XXXX  # # # # # # # # XXXX XXXX XXXX XXXX  XXXX XXXX  # # # # # # # # # # # # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A, Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-08 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX  XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX  XXXX  # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX  # # # # # # # # # # # # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A, Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I took out a loan with Upgrade , Inc. to consolidate some of my credit cards and to make a set monthly payment for a certain period of time. I was able to do so without issue, then COVID happened. At one point, Upgrade offered me a Hardship Plan where I would be able to pay {$90.00} instead of the {$290.00} for 4 months. I then spoke with them about an extension of the hardship program and they granted me an additional 3 months. The first payment of the 3 month plan was incorrect and they took {$290.00} instead of {$90.00}. I called them and they checked into it and were very accommodating. The next day the amount was credited back to my account and the {$90.00} was taken. The next month, the same thing happened. I called them AGAIN. They checked into it and advised me that it was there mistake again and that they would credit back the amount of {$290.00} and charge the {$90.00}. This time the amount did not go in right way so I called back 4 days later. I was told it was in the process and I should be seeing it credit back to my account. It was. I noticed on my statement on the 3rd month that I was being charged back payments of {$1100.00} or there abouts. I immediately called them back as they had taken out the {$290.00} again. I was told the Hardship Agreement was forfeited because I was late on my payment to them. I told them that was incorrect. How can I be late when you are taking it out of my account and erroneously I might add. They AGAIN checked into and a manager got on and told me that they would correct both matters. GUESS WHAT?! It was never corrected. So my credit report shows I am late on payments and the {$290.00} was erroneously charged for that 3rd month. I wrote an email to them explaining this. I was told to call a number that was the number I have always been calling. I said I will not. I have called that number 3+ times and was told everything would be taken care of it and it wasn't. I wanted this matter resolved and if someone needs to ask me something then they can call me!! I gave them my number. I was not going to go through another hour long telephone call with them for them to tell me it will be taken care of it and won't be. I REPEATEDLY sent them emails daily until I have reached this point. It's not even so much that they did not honor the Hardship Agreement but that they charged me all three times for the full amount. Twice correcting and once still not credited back. I am in a position to pay that amount anyway. I am very upset with the fact that they are claiming I was not in compliance or late with the payment arrangement. I was never late. I would like someone to help me. I will be contacting the credit card companies as well if you are unable to correct this matter for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is refusing to unlock my account after i have sent them my personal documents they have requested and are now claiming they have lost my documents i sent because after i have gotten them on recorder claiming on XX/XX/XXXX they have received my documents from a supervisor and an agent they are now claiming their is nothing in the system of any documents i've sent when i have on recorder otherwise and my fax telling me my documents were received. Equifax is giving me a very hard time and i feel that they are not being transparent and abiding by the fair credit reporting act. This problem needs to be fixed as soon as possible and immediately because it has already been more than 5 days which they have told me twice it will take to unlock my equifax and get my login whiuch should not have been locked in the first place. I feel that Equifax must compensate me for the damages they have cause me to endure while losing my documents and cause my score to be damaged for the period they have kept me waiting and are now hanging up the phone on me every time I call to attempt to recover my equifax account to get in their to fix what has damaged my score and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-06-08 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-08 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, EQUIFX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$610.00} DOLLARS. THE COLLECTION HAS BEEN REPORTED AS A PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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:
In accordance with the Fair Credit Reporting Act Experian LLC has violated my rights. 

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. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - Inquiry date - XX/XX/2021 XXXX - Inquiry date - XX/XX/202XXXX 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 2022-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S.Bank told us about three weeks after they gave us a preapproval letter in XXXX which we gave to XXXX XXXX that we must sell our present home or increase our down payment by about {$160000.00} in order for U.S.Bank to give us a mortgage. 

We paid U.S.Bank for the appraisal and the appraisal was completed before U.S.Bank told us we must sell our present home or increase our down payment by about {$160000.00} in order for U.S.Bank to give us a mortgage.. 

In order to get the preapproval letter we emailed U.S.Bank all of our paystubs, W2s, bank statements, information about our XXXX XXXX  loan on our present home, credit authorization and what U.S. Bank requested in order to give us a preapproval letter.

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 2022-06-08 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: FL

Complaint narrative:
I have received a security breach on my identity through my credit report on TransUnion and XXXX XXXX. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX. Not only that, there were some loans and a credit card opened without my consent.

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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 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. 

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. 

XXXX and XXXX have already deleted this item because not only did it break the law it doesn't show accuracy 's of when paid and when it wasn't paid. Instead of responding through the CFPB about this Experian wrote me on the Experian Client profile.

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 2022-06-08 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: NJ

Complaint narrative:
I have disputes two collection account on my credit report one that is illegal and affecting me from renting a apartment because it comes up as an eviction both collections

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation