vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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:
I reached out to XXXX XXXX  about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2023-06-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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:
I reached out to XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2023-06-30 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: NC

Complaint narrative:
I reached out to XXXX XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2023-06-30 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:
I reached out to XXXX XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: WA

Complaint narrative:
On XX/XX/2016, there was faulty toilet flapper, that caused flooding in a bathroom and {$1300.00} damage. We had our lawyer to respond back to the apartment manager after they wanted us to pay for the damages with a letter letting them know we are not responsible and stated that they are responsible under Landlord. Act ( RLTA ) RCW 59.18.060 ( 8 ) that the Landlords duty to maintain plumbing, electrical etc. to keep it in good working order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: IL

Complaint narrative:
I tried at least 9 times to call talk to XXXX about my acct. I have new credit cards and have paid on my accounts on time. My credit scores have stayed at XXXX for the last 6 months. Every time I call XXXX or go on line they always says there is a problem. I cant get everything done with them. I know checking all the others ones also. I have been denied Credit at my bank and my bank has been working with me trying to get my scores up and to no avail my scores sits at XXXX. Theres a problem and I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried at least 9 times to call talk to XXXX about my acct. I have new credit cards and have paid on my accounts on time. My credit scores have stayed at XXXX for the last 6 months. Every time I call XXXX or go on line they always says there is a problem. I cant get everything done with them. I know checking all the others ones also. I have been denied Credit at my bank and my bank has been working with me trying to get my scores up and to no avail my scores sits at XXXX. Theres a problem and I want it fixed.

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 2023-06-30 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: Avant Holding Company, Inc.
State: NC

Complaint narrative:
AroundXX/XX/2023, I made a payment to the Avant Credit Card, around {$50.00}, or so. When I checked my payment status, I was charged a {$39.00} late or missed payment fee. When I called, they informed me that I had missed a payment. What had happened, I made the payment early. I called to have the late fee removed. It was denied. They told me to email them. I emailed them, they denied it again! I told them to close my account, because I didn't want to associate with a company with no empathy towards their customers. I made my next payment which was around {$65.00}, which was the payment that was due. The next few months my payments went from {$65.00}, to over {$100.00}, to over {$200.00}, and they continued to charge a late fee, even after I had paid them according to the date. When I called again to verify the payment date, the representative never gave me a concrete answer. I have tried various times and calls to correct the matter. They never investigated my inquiries nor returned my calls. I recently told them that I would not make another payment, until they straighten out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: NC

Complaint narrative:
I reached out to XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


I can go on and on The bureaus have no respect for the laws. 

Someone needs to hold the accountable for this.The Accounts are listed below. 

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My mom opened a XXXX XXXX  credit card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. XXXX XXXX  put the credit card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My mom opened a XXXX XXXX credit card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. XXXX XXXX  put the credit card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account

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 2023-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
On XX/XX/, I called Optum Bank, my XXXX and XXXX  provider, and asked for an explanation as to why my and my husband 's new XXXX cards were sent addressed to my husband only, particularly because I am the primary account holder, the account is through my employer, and I am the only one actively managing the account. I expressed concern about how this possibly could have happened and strongly suspect gender bias is integrated into Optum 's systems. It is in our recent history that women were allowed to have bank accounts without the permission of their husbands, and this bypassing of myself could be indicative of wider problems with Optum 's apparent bias and inclusion. I am requesting a written explanation for how this happened and an action plan for how Optum is going to prevent this from happening to myself and other women in the future. I asked to be escalated to a supervisor and am still hold. I've been on hold for over 45 minutes now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
I tried to payoff the loan early to save on interest. The website does not have a payment option. I tried calling customer service on several occasions and was always left waiting. The online chat mode would not let me make any additional payments. The amount of interest charged keeps accruing despite my attempts to pay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NC

Complaint narrative:
In the past XXXX years there have been THREE fraudulent charges on my Discover Card. I disputed all three each at the time when the charge occurred. The first two were not properly investigated and I was unable to get a phone call from a human. I therefore paid the fake charges to keep my account in good standing, as I have never as much as carried a credit card balance in my entire life and my credit score is around XXXX. However the third charge was a ridiculous amoung and the final straw. I did still pay the charge while I disputed it. However, for the third time, Discover failed to investigate and failed to return any phone calls whatsoever. I have been requesting phone calls for XXXX consecutive months and have not received a single callback. Their hold times are absurd. Their chatbot online does nothing. So, Discover card actually owes me money as I overpaid the account. Because I have never missed a payment or even carried a balance, this must be the only way Discover card can make any money from me. It shoucld be noted that this same fake charge came up on XXXX other credit cards who both found the charge fraululent immediately. Discover however told me to " call the merchant '' except that is not possible since it is a fake merchant. There is no phone number, address, email address, etc. Discover also mailed me an ilegible document with some lines in it and no text, claiming that was their documentation from investigating the charge, so obviously no investigation happened. They wrongly updated my credit report inaccurately and continue to owe me money. Lastly, they failed to remove a second user on my account that was removed several years ago, then endangered my personal info and privacy by sending that personal person info about my account. I have not yet received a response that addressed even XXXX of these issues let alone the whole complaint. To sum : 1 ) fake charge # 1 2 ) fake charge # 2 3 ) fake charge # 3 ( current ) 4 ) person not removed from account 5 ) inability to investigate fake charges multiple times 6 ) wrong info on credit report 7 ) WILL NOT EVEN GIVE ME A PHONE CALL BACK 8 ) Discover still owes me money Please investigate these horrible crimes committed on the behalf of Discover as this is downright theft of hardworking people who don't carry credit balances so clearly this is Discover trying to make money any way it can. If it hopes it will frustrate people into giving up and paying it did that with me twice already but not this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: EQUIFAX, INC.
State: OH

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. 

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 has violated my rights. Or list of inquiries 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 explanation