vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS BPO LLC This is a account that i am not aware of and charged to my account and also this XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: UPGRADE, INC.
State: OH

Complaint narrative:
I do NOT have an account with Upgrade Inc, ACCT # XXXX. Fact, XXXX is aware and has proof already from prior documentation of consumer laws, that XXXX XXXX is in violation of of 15 US CODE 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of ANY debt. I did not authorize any of the inquiries on my credit, and have no knowledge of the following inquiries : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 15 US CODE 1681I ( A ) ( 5 ) ( A ) ( I ) ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. THERE WAS NO CUMMUNICATION OR CONSENT, THEREFORE THESE MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
I am disappointed upon checking my credit report on XXXX XXXX to see that my credit has been compromised. Upon having XXXX. I am trying to start a XXXX for me and XXXX XXXXXXXX, to see that there are things holding me back. According to FCRA 15 USC 1681i G my information should not be shared without my permission. I am XXXX and XXXX to see such. I have tried several times to reach out to this company and the credit bureaus. Let alone by having my XXXX and XXXX go through a breach some months ago. This is a defamation to my character as well as a federal law violation. According to 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I'm upset and demanding that these things be removed immediately, its causing XXXX XXXX to me and XXXX XXXX. These companies should not be of furnishers of people 's information to 3rd party companies. It's illegal. This is negatively affecting my XXXX and putting me in a XXXX XXXX. I shall file litigation if the negative items aren't removed immediately. Thanks, please remove ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I noticed I was being charged as a XXXX for a apartment complex Ive never lived in via my credit report I reached out to Procollect to advise that Ive never lived there and that it has to be fraud and I need it removed and they advised I had to file a police report and mail it to them after I offered to provide documentation of lessening information for the residence I live in that the apartment complex is stating I lived there which is impossible due to you arent able to lease more than one home at a time in 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-30 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: LEXISNEXIS
State: IN

Complaint narrative:
Currently, on phone w XXXX as I file dispute.. name XXXX .. requesting on XX/XX/year> at XXXX requesting to remove XXXX account as it was paid off in Car auctions and remove all hard and soft inquiries... .electronally remove due fraud unauthorized consent and inappropriate inaccuracy credit reporting over the last XXXX! ( SHE STATES THEIR ARE ONLY PROMOTIONAL PURPOSE ) HER SOLUTION WAS TO PLACE A PROMOTIONAL BLOCK ON MY CREDIT ACCOUNT.. THAT NONE OF THE INQUIRIES ARE AFFECTING MY ACCOINT.. 

( SHE WILL REFER TO IT Dept. ) Debt shows {$52000.00} False {$20000.00} XXXX ( only ) Remove address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, not mine address ( she will refer to IT dept ). 

She is sending me a credit report and credit score within XXXX my confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: Uplift, Inc
State: TX

Complaint narrative:
I have an installment loan on my credit report that is not me. It is uplift llc for about {$6000.00}. I have never heard of these people, did not take a loan from them and have never had interaction with them. I called them to try to work it out and they said they could not find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 I was charged XXXX when it should have been XXXX. I disputed this with Capital One but I only have a receipt for what I was charged not what I should have been. This is insane as this amount in XXXX is more than my entire trip cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

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 2024-04-30 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: MD

Complaint narrative:
Applied for credit with XXXX - I was immediately given an email stating my app was declined but when you look for the denial reasons etc. It stated it couldnt confirm my identity etc. It pormpted me to call to see what could be done to manually decision the app. I called, spoke with someone who stated they would need the following info bank statement, id, bill, and a paystub- i emailed the requested info to XXXX and not response - i followed up today and im being told they dont have any info as it relates to my app and try to reapply in XXXX  days. not only is this a hard ding to my credit but i have no idea how my personal information is being used. this is a scam

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 2024-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a pre-paid Amex reward card in XXXX with a balance of {$100.00}. I was only able to use {$51.00} because Amex began charging a monthly fee of {$2.00} starting in XX/XX/XXXX, before I even made my first purchase with the card or activated it. The card balance is now {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I asked Capital One for a hold on a {$56.00} dollar payment for ink cartridges. Directly after I purchased new printer with ink for that printer. My card showed fraudulent spending. I called to find I could not have any info until I sent them picture of license, and XXXX other documents that proved I am who I said I am. I told them they have my phone number, SS #, and other info and I was not going to upload all they requested. I fought with them for a week to finally get them to close my card after payoff of All expenses. After the payoff they did a hard inquiry and dropped my credit XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Closed a chase business preferred ink credit card in XXXX of 2023 due to terrible customer service and back talk from XXXX of the csrs who denied my legitimate insurance claim for an item that was stolen after purchase. Purchase protection was supposed to be XXXX of the perks of this XXXX XXXX card. 

I have several other chase accounts and was able to still see the account in my Chase portal up until last month.

Today, I needed a statement from the closed account and logged in and the account was not there. 

Called XXXX number for Chase, talked with XXXX different people, XXXX of whom swore the account never existed. Had to give my social security number to people in XXXX and the XXXX ( and now I have to put a flag on my credit report because of this ) who still couldn't find it. 

All of this took more than an XXXX. 

I'd like Chase to be fined for removing an account from my portal and then pretending the account never existed. I'd also like to be compensated for the XXXX I lost. My hourly billed rate is at {$150.00} ( can provide invoices as proof ). 

I still have the actual ( though canceled ) credit card in my possession to 'prove ' the account 's existence.

This situation is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
I have been a customer of XXXX XXXX XXXX  since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was terminated from multiple employers between XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my rent leaving me homeless since XXXX XXXX XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THECEO ALONG WITH UPPER MANAGEMENT TO RESOLVETHIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING ANDRENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! IHAVE WORKED SINCE THE AGE OF XXXX DESPITE MYCIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUETO THE XXXX THIS SITUATION WITH XXXX XXXX XXXXALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. IAM CURRENTLY HOMELESS AS MENTIONED WITHNOTHING TO SHOW FOR IT, I AM ON SEVERALMEDICATIONS THAT I TAKE TO REMEDY MY XXXX  ISSUES BUT I AM STILL UNABLE TO WORK, IHAVE APPLIED FOR ALL ASSISTANCE TO EVERYCAPACITY HAVING BEEN TURNED DOWN BY EVERYONEAS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALLOF THE LATE PAYMENTS ON MY ACCOUNTS ALONGWITH REIMBURSEMENT OF {$480.00} IN LATE FEES TOBOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK ORANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN XXXX, I WILL FILE A LAWSUIT AGAINST THIS COMPANYALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a customer of XXXX XXXX XXXX  since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was terminated from multiple employers between XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my rent leaving me homeless since XXXXXXXX XXXX XXXXXXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THECEO ALONG WITH UPPER MANAGEMENT TO RESOLVETHIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING ANDRENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! IHAVE WORKED SINCE THE AGE OF XXXX DESPITE MYCIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUETO THE XXXX THIS SITUATION WITH XXXX XXXX XXXXALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. IAM CURRENTLY HOMELESS AS MENTIONED WITHNOTHING TO SHOW FOR IT, I AM ON SEVERALMEDICATIONS THAT I TAKE TO REMEDY MY XXXX  ISSUES BUT I AM STILL UNABLE TO WORK, IHAVE APPLIED FOR ALL ASSISTANCE TO EVERYCAPACITY HAVING BEEN TURNED DOWN BY EVERYONEAS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALLOF THE LATE PAYMENTS ON MY ACCOUNTS ALONGWITH REIMBURSEMENT OF {$480.00} IN LATE FEES TOBOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK ORANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN 30DAYS, I WILL FILE A LAWSUIT AGAINST THIS COMPANYALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a customer of XXXX XXXX XXXX  since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was terminated from multiple employers between XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my rent leaving me homeless since XXXX XXXX XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THECEO ALONG WITH UPPER MANAGEMENT TO RESOLVETHIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING ANDRENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! IHAVE WORKED SINCE THE AGE OF XXXX DESPITE MYCIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUETO THE XXXX THIS SITUATION WITH XXXX XXXX XXXXALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. IAM CURRENTLY HOMELESS AS MENTIONED WITHNOTHING TO SHOW FOR IT, I AM ON SEVERALMEDICATIONS THAT I TAKE TO REMEDY MY XXXX  ISSUES BUT I AM STILL UNABLE TO WORK, IHAVE APPLIED FOR ALL ASSISTANCE TO EVERYCAPACITY HAVING BEEN TURNED DOWN BY EVERYONEAS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALLOF THE LATE PAYMENTS ON MY ACCOUNTS ALONGWITH REIMBURSEMENT OF {$480.00} IN LATE FEES TOBOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK ORANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN XXXX, I WILL FILE A LAWSUIT AGAINST THIS COMPANYALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.

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 2024-04-30 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: PA

Complaint narrative:
On XX/XX/2024 I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with XXXX, XXXX and Experian.

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 2024-04-30 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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