vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Balances on all credit card balances are wrong. Loan amount is wrong. Though mtg holder lender supplied letter ( documentation ) account was closed. Online disputes were ignored and weren't adjusted though docs supplied. after waiting over 1hr transferred to XXXX waited over 1/2 hr transferred back US and disconnected. Old address ( 1 ) is listed as current and current ( 2 ) as old.

Retaliation for taking them to court and forcing them to settle?

files upload. all balances are PRIOR to CB update and NOT SHOWN CORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a letter to EQUIFAX and XXXX disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX  XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting a bankruptcy on my credit file from XXXX XXXX. XXXX XXXX is fraudulently reporting information as factual but they have stated that their company couldn't identify me. The information is suppose to be accurate if the company has chosen to give false information that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: Total Card, Inc.
State: GA

Complaint narrative:
I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXXXXXX XXXX, acct. # XXXX XXXX XXXXXXXX XXXX acct. # XXXX XXXX XXXX, acct. # XXXX XXXX XXXX, acct. # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX, acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related 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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Weird insufficient fund fees

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 2023-02-04 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: IL

Complaint narrative:
On XX/XX/XXXX I submitted a letter to XXXX and EXPERIAN disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.

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 2023-02-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I can't understand why my credit score keeps going down when l have less debt. Why do transition an XXXX lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX point an the same with anorher credit card that has XXXX balance which has a max of XXXX XXXX XXXX says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent

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 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights 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 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe 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 2023-02-04 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: FL

Complaint narrative:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights 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  15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohls Credit cards offer auto pay but instead of allowing you to make any w of payment they only off statement balance or minimum payment due. If you only pay the minimum payment due your accruing interest at almost the same amount as your payment. Ive called kohls credit service multiple times and theyve assured me that i can set it to a certain amount monthly just not on the mobile app. I was instructed to go to their website on a computer as the browsers are said to be different. They are not and there are no other options for payment. I feel this is a violation and I was lied to by multiple employees. All I would like to do is pay a set amount every month so that i can pay it off quicker and avoid paying so much in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
In XXXX I filed this complaint and and it still has not been resolved. I submitted the forms through and HSBC affiliate in XXXX and never heard back from XXXX or HSBC. 
My original complaint number is : XXXX In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX an affiliate of HSBC ) and XXXX {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on HSBC Bank, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my US bank ( XXXX ) and stamped " XXXX XXXX XXXX  ''. They issued me a check in XXXX of the original ( see attachment ), which I then attempted to deposit at Bank XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. Since I was no longer in XXXX XXXX, XXXX XXXX XXXX XXXX  in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a XXXX. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXXHSBC XXXX HSBC Bank XXXX XXXX I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
For the last XXXX XXXX  comenity has had serious system issues and issues trying to make payments. Which they are aware of. I finally get my accounts fixed by a specialized team and within XXXX XXXX it got all screwed up again. They fixed some of the issues but not all. 
Today my XXXX XXXX updated and it said some of my accounts were closed and charged off and sold to a debt collection agency. 
I was told all these issues would be fixed and I would not longer have any negative impacts on my XXXX 
This has been absolutely horrendous and XXXX has completely destroyed my XXXX for an issue they are having. I want this fixed. 
I was told I could create new accounts when my cards came in and they are still not here. How can I create new accounts if you guys close the cards on me and sell them off?? Im also XXXX XXXX so calling doesnt work for me but XXXX XXXX has been noting just like so many customers have youre either on hold forever and get hung up on or you never get through. This has been absolutely shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: WI

Complaint narrative:
On XX/XX/2022 I noticed my credit rating had gone down over XXXX points. In looking at XXXX, there was a {$3500.00} " collection '' added to my report. This is NOT MINE. I have no idea what this debt is. We pay our bills every month and up until then had excellent credit. It says the original creditor is XXXX, a company I have NEVER even heard of let alone done business with. 

I disputed this with XXXX and within a few hours they said they " verified '' the debt with CONSUMER ADJUSTMENT CO and they closed my dispute. 

THIS DEBT IS NOT MINE. I've never had any outstanding debt. I've never worked with these companies. I am being targeted and neither this scam company or XXXX will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TX

Complaint narrative:
I requested for removal of a medical debt that was under {$500.00}. The investigation did not remove it. My consumer rights was violated. The below excerpt is directly from CFPB : Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

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 2023-02-04 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:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXXXXXX 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 15U.S.C 1681 section 602 A. States that I have the right to privacy. 
15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions. 
15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 
15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe 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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/23 I received a credit for XXXX showed pending but I thought it to be a part of my balance. Pnc Bank charged me a overdraft fee of XXXX. The XXXX is still pending till XX/XX/23. this was a debit transaction. It seems like a way to charge fees. They will not refund me and are horrid about returning calls from a supervisor in a timely manner. My complaint is they are holding credits to incur a overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I havent been able to access my XXXXXXXX XXXX for the last 6 months. And I can not get through on the phone lines. 
I filed a CFPB complaint when they reported me as late and they know this has been an ongoing issue with comenity customer accounts. 
My XXXXredit score updated that the account was closed and sent off to debtor while theyre still processing my CFPB complaint. They didnt even bother to fix the issue and now have negatively impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 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 — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I can't understand why my credit score keeps going down when l have less debt. Why do transition an XXXX  lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent

Company response to consumer: Closed with explanation