vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/2023, I file disputes with XXXX, XXXX, and Equifax regarding accounts showing balance 's after filing XXXX  XXXX bankruptcy in the northern district of Illinois i have sent a total of 9 disputes to XXXX along every time I would receive letters stating that all accounts were verified as accurate. On XX/XX/2023, I went to the bankruptcy clerk in person I was inform by the clerk that the court or pacer dose not report to XXXX, XXXX or Equifax and XXXX also I was inform the clerk dose not verified any information to the credit reporting agencies. on XXXX XXXX I send a dispute to XXXX requesting their method of verification and XXXX XXXX XXXX and Equifax letter dated XX/XX/XXXX, XXXX have sent a total of 9 disputes to XXXX. please see all the Exhibits with this complaint. These companies do have respect for the Fair Credit Reporting Act 15 U.S.C. 1681 I ( A ). 15 U.S.C.1681 N, 15 U.S.C 1681 O continued willful and negligent noncompliance with FCPA . all 9 disputes are dated as follow XXXX XXXX, XXXX XXXX XX/XX/2023, XX/XX/2023. XXXX XXXX XX/XX/2023, XXXX letters dated XXXX & XXXX XXXX. almost 7 months of disputes '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Best buy credit card from Citi bank, I used to pay $ XXXX withdrawn automatically. Their customer service failed to update my payment method after I provided to her, resulting in an accumulated large balance in my account of {$220.00} however for 2 months the amount due os {$60.00}. 
Also, when I purchased the product from Bestbuy, I was informed that this card had no interest, that was the offer during XXXX for XXXX, so how come they charged me extra charges? taking into consideration that I provided the card number to the customer service to attach it to my account and do auto payment as I used to make since I bought the laptop. 
I tried to talk to customer service of bestbuy citi bank with no result to resolve the problem. 
It is my right to remove the extra charges and interest incured as it is not my fault, and the deal was no interest for 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 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
In XX/XX/2023, I applied for the SAVE repayment plan. My monthly payment came to {$670.00} which is entirely too much, as we are a XXXX income household of soon to be XXXX. At the time I applied for this forgiveness, I had stated I was working, however, I soon quit that job. Even so, my husbands repayment amount was not nearly that high, his came to be {$50.00} per month. I do not believe this agency took the proper steps to ensure the amount that was given would work around our income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 



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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 



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

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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UPGRADE, INC.
State: GA

Complaint narrative:
To whom this may concern, Upgrade credit card has moved my credit limit every 2 months down to what I owe them. I have paid my bills on time every month. This has affected my credit rating with me paying higher interest rates. I had a {$16000.00} credit limit and they have moved it to {$7000.00} to what I owe them. Please help with situation. I think this bank is causing a lot of people problems doing what they are doing by keeping people at exactly what that owe to bank. This as I stated would basically ruin your credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Incorrect ADDRESS AND JOB IS REPORTING ON MY REPORT I Dont work at XXXX XXXX XXXX XXXX XXXX PLS DELETE THESE ARE A VIOLATION OF MY RIGHT 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. 

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 2023-12-31 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I XXXX XXXX Request to Cease Reporting to Consumer Reporting Agencies ( CRA ) Pursuant to 15 U.S. Code 1681b Dear, Midland Credit Management, I am writing to you today to request that, Midland Credit Management XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX immediately cease reporting information about my credit account ( s ) to any consumer reporting agency ( CRA ), including but not limited to XXXX, XXXX, and XXXX, as authorized by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, a CRA may only furnish a consumer report for a permissible purpose, which includes, among other things, for the purpose of evaluating a consumer 's creditworthiness for a loan or other credit transaction. I have not applied for any new credit or other credit transaction with Midland Credit Management XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, nor have I authorized you to provide information about my credit account ( s ) to any CRA. Therefore, I believe that the continued reporting of information about my credit account ( s ) to CRAs by Midland Credit Management is a violation of the FCRA. I request that you immediately investigate this matter and take the necessary steps to rectify the situation. Please provide me with written confirmation within 30 days of the date of this letter that you have ceased reporting information about my credit account ( s ) to CRAs. Please be advised that if you fail to comply with my request, I will be forced to take further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating a lawsuit against Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX for damages and other relief. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: LA

Complaint narrative:
Ive sent in more than 2 times. I have reached out to the the cfpb twice to rectify the problem and help with a solution. Please if possible to get this faulty information off my credit report. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received an email from Cash app notifying me that there has been unusual activity on my account, and they have sold all of my stocks. When I logged in, I noticed that there were two IRS refunds deposited, that they claimed " failed '' one for {$1400.00}, and one for {$1200.00}. I asked them why they failed and they said that it is because there was unusual activity and that the find would be returned to the originator in 3-5 days ... but the deposits were in 2020. I asked them why they hadn't yet been returned and what I unusual activity has occured, and why my account was being closed and they refused to give me anymore information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am now opting out of any and all authorization I may have giving you written, unwritten, verbal or non verbal. 
Please see the attached modified Promissory Note and update your records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I checked my consumer report, In accordance with the fair credit Report act. 


15 U.S.C. 1681 section 602A- states that a person has the right to privacy. 
15 U.S.C. 1681 section 604A section 2- states that a consumer reporting agency ( CRA ) can not provide an account without written instructions. 
15 U.S.C 1681 ( a ) ( 5 ) Section - States no consumer reporting agency may have any consumer report containing any of the following information, other than the convention of a crime. 
15 U.S.C. 1681-2 ( 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. 
The following list of accounts below has violated my rights 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 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

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 2024-01-02 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: TX

Complaint narrative:
Violators of consent law, violations of law of jurisdiction, violations of opt out law, 3 Rd Notice to opt out, notice of default and opportunity to cure

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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a notification from a credit monitoring service that one of my credit card limits had been decreased, after looking further I saw that it was Wells Fargo Bank who decreased my credit limit from {$11000.00} to {$8900.00}, leaving me with {$100.00} in available credit. I received absolutely zero written or phone communication warning me of this change. I had available credit and have never once missed a payment or even paid a day late. After speaking with multiple representatives, I was told the letter informing me of this change was sent on XX/XX/XXXX. The letter was sent one day before the change became official on XX/XX/XXXX when my statement closed. This all but ensured I would not have any prior warning and no recourse. They have not been able to furnish any reason why and in fact my credit score was up XXXX points before they made this change, now damaging my credit score I have been working to repair. It was arbitrary at best and cruel and dangerous at worst. To get my credit limit reinstated I am being asked to reapply for a credit limit increase and subject to a hard credit check.

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 2023-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX by Goldman Sachs locked my account without any notice because I changed my number and update it on my online profile account. They did not call or tell me I merely found out by trying to log on my account one day to find it was locked. Then I proceeded to call to have them unlock it and was told since I no longer had access to my old account they could not verify my identity and therefore the only way to move forward with unlocking my savings account would be to mail me an affidavit that I would then have to fill out, get notarized, and mail back to them and call and figure it out from there. Fast forward to end of XXXX going into XXXX and I still have no access to my savings and Ive made multiple attempts to call customer service to find out that the paperwork and affidavit still has yet to be processed. Everytime I call customer service they say it needs 7-10 business days to process. The last time I called they said it was almost finished and need 2-3 days and I would receive a call to tell me where to go from there but after waiting 3 days I never received a call nor was left a voicemail. I called again on XX/XX/XXXX and was met with the same response that it still needed to process and to call back in 7-10 business days even though the Customer rep prior said it was almost finished and to call back in 2-3 days. I then asked to speak to a manager and was told to call back later. I have no access to my savings at all for over a month now and the company has given me no lee way to solve this in a timely manner. I still dont know when I will regain access or who I can possibly speak to get this fixed fast. I am left anxious about the money frozen in an account I have no access too and dont know when or if I will ever be able to access my money again. I am distraught about being unable to dip into my savings and have money for extra bills and was unable to access during the XXXX holiday which was devastating and affected me and my finances beyond repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I reported multiple persistent fraudulentactivitieson XX/XX/XXXX, XXXX, XXXX, XXXX of XXXX, even after continuously cancelling credit cards. I suspected someone somehow got a hold of my credit card information online since I did not lose my card. I begged for Citi employees to delete all my digital wallet connections, and once one employee finally listened to my pleas, the fraudulent charges stopped. 

Unfortunately, the dispute process has not gone the way it should. While Citi credited most of the fraudulent charges, Citi is saying that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my responsibility, even though other multiple fraudulent XXXX charges have been reimbursed. This doesn't make any logical sense ; if you look at it carefully, I was charged XXXX XXXX+ foreign transaction fees. It's clearly a fraudulentcharge, as I have never been to the XXXX. And yet, Citi somehow states that I am responsible, when other XXXX charges aren't. 

Additionally, they are struggling to credit the fraudulent XXXX charge on XX/XX/XXXX ( disputed on XX/XX/XXXX ) as well for {$51.00}.

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 monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I disputed multiple charges from my checking account with Truist Bank, haven't received any documentation from Truist. The charges that I disputed, Trusit hasn't blocked the company from taking my money. 

I have reached out for new debt cards and still haven't received them.

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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
My credit card was stolen from my friend 's car. The bank called to notify me that there was suspicious activity on my card, I told them it wasn't me as I was out of town and in a completely different state. When they first called, I made mention that I usually leave that card at home but didn't know where it was as I did not have it on me. They have refunded and unfunded my card multiple times. They have done extensive research showing I have never used that card in that town or with that store. I have sent them 2 police reports, mine and my friends. My flight information. My CC information showing charges that I was in another state. Now they are saying that if my friend 's wallet was stolen, which had my card in it, then she would have needed to get a new ID and I need to show them that as proof the theft took place. Her Id was never stolen, she had it on her. They found it suspicious I had used my card at a grocery store with the same name, ONCE, over XXXX miles away at a completely different time. They have opened, closed, reopened the claim over and over again. At this point it feels like harassment. My friend 's card was also stolen, she uses the same bank and hasn't had to do anything. I've been dealing with this for 2 months. 
It's nearly impossible to get the information to the fraud department, even the local branch I have brought all the paperwork too can't get ahold of them easily. I've requested management call me to no avail. Their management is doing everything it can, including making up scenarios, to try and make it look like I'm lying.

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 monetary relief
Consumer complaint received 2023-12-31 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: FL

Complaint narrative:
Reporting duplicate that on my credit reports the collection agency purchased this debt from XXXX XXXX XXXX in 2015. They have duplicate items one of my Trans Union and one of my 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