vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: GA

Complaint narrative:
Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the XXXX 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have XXXX now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, Experian and XXXX, although XXXX is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: MO

Complaint narrative:
I purchased a 2014 Volkswagen XXXX XXXX for {$8000.00}. I've paid {$350.00} for the past 40 months. Volkswagen still says that I owe another {$10000.00}. The turbo went out on the vehicle in XXXX. I have a contract with XXXX. Volkswagen contacted XXXX. XXXX refused to honor their contract, ( which was 2 months old ), therefore Volkswagen refuses ( to repair turbo, which is still under manufacturer warranty for the XXXX  ) unless or until I or XXXX pays the {$1900.00} for the thermostat. I considered trading in the vehicle, but received no help just suggestions and excuses. I then decided on a voluntary repossession. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/2022 and XX/XX/2022 I sent separate disputes to Transunion regarding two accounts reporting on my credit report that were from the result of identity theft/fraud. My initial dispute was an identity theft affidavit, followed by a letter in XX/XX/2022. Upon checking my credit report, both items still remain and nor does either item has been marked for disputed. i haven't received any copies of my credit in the mail from Transunion or any type of correspondence pertaining to either XXXX of my disputes. Therefore, Transunion must remove or delete the disputed items XXXX XXXX # XXXX and XXXX # XXXX from my credit report immediately. It now has been over 60 days, and which makes Transunion in violation of the Fair Credit Reporting Act 1681 ( c ). Transunion must and should adhere to the Fair Credit Reporting Act or face Civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 S ( 2 ) ( b ) .I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX XXXX/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX XXXX I attempted to wire transfer money to a new account through my CitiBank Checking account. Upon attempting to do so, I was unable to not only add the recipient to the list, but I learned my account was STILL frozen, even after I was assured the account was to be cleared. I have called numerous times, talked to too many employees at CitiBank, and there is no resolution and I have no access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I asked the credit company to remove and old addresses connected to my credit report and nothing has happened. I would like for this to be done immediately. Thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Rausch Sturm LLP
State: OK

Complaint narrative:
submitted dispute to XXXX Credit report Agency, 2 weeks later no conclusion? 
their report has wrong information on a 10 year old credit card account from XXXXXXXX XXXX. both XXXX and XXXX have the same account closed in XXXX  XXXX. here in Oklahoma, debt based on written contracts have a limitation period of 5 years ( O.S. 95 ( 1 ) ), while oral contracts may only be collected upon for up to 3 years ( O.S. 95 ( 2 ) ). Attachment, or the legal seizure of property or a person, has a statute of limitation of 5 years ( O.S. 95 ( 5 ) ). 

this account is reaching 7.5 years old 2.5 years past the prescriptive date of the legal limitations?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. ; XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX. Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # has violated my rights. ; 15 USC 1681 Section 602 It states I have a right to privacy.

15USC 1681 Section 604 A Section 2 its also states a comsumer reporting agency can not furbishaccount without my written instruction.

15USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than crimes which antedate the report by more than seven years.

15USC 1681s 2 ( A ) ( 1 ) states a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable causeto believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Once they offered me the loan and did a hard credit check inquiry, they began to put up unreasonable barriers, including the sending of a 60 page generic teacher contract. They still refused to release the loan. In my last letter to them I tried to explain. 
The following was my last attempt at closure. 
" Your underwriting department is unable unwilling to distinguish between a general teacher 's contract, written for hundreds of District employees, and my personal current employment status. As I have already shared with you, I am a tenured teacher who has been working in the same school district for the past 18 years. This can only be verified by an email or phone call to my district, not by an examination of a generic teacher 's contract which does not mention me or any other employee by name. In fact, my tenure provides me with protection from any rapid or haphazard termination, which in most cases, would make me a very desirable loan candidate, the logic of which is missed by your very own underwriting department. 
In a nutshell, my private banking information, including my account number has now been compromised. Additionally, the inquiry you placed to the major credit bureaus is now adversely effecting my ability to look for a consolidation loan elsewhere. This is unfortunate for me, an individual who is attempting to rebuild and repair my own credit. '' The customer service agent, XXXX XXXX, seemed to enjoy the fact that my loan was not approved. I'm only asking for the hard inquiry to be withdrawn at this point. But they refused. I don't appreciate or deserve this abuse. 

Thank you for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, Transunion and XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to Transunion and XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ( reporting to Transunion and XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXXXXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and XXXX ) XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ( reporting to Experian, XXXX and XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and XXXX ) XXXX. XXXX  XXXX - XX/XX/XXXX ( reporting to XXXX and XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting to XXXX and XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( reporting to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to Experian ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Experian ) XXXX. XXXX XXXX Ser - XX/XX/XXXX ( reporting to Experian ) XXXX. XXXX - XX/XX/XXXX ( reporting to 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 explanation
Consumer complaint received 2022-11-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: OH

Complaint narrative:
Disputed Credit Card Transaction on XX/XX/XXXX - XXXX Hotel Reservation {$180.00} Case # XXXX XXXX. I booked a hotel reservation for one night at the XXXX XXXX XXXX XXXX in XXXX, Kentucky for the night of XX/XX/XXXX checking out on XX/XX/XXXX. My company, XXXX, then changed the date of the business travel to the following week for the night of XX/XX/XXXX checking out on XX/XX/XXXX about a week to ten days after the original booking. 
2. I contacted the booking hotel reservation service about a week later on XX/XX/XXXX in an attempt to revise the hotel reservation for the same hotel, same location to the XX/XX/XXXX which my company changed as soon as I received notice. This notice and contact was still at least a month to 6 weeks out from the hotel stay that I was attempting to book/change. 
3. I requested a change at that time on XX/XX/XXXX and when they declined to make the change to the new reservation date, I then requested a full refund speaking to both the call center representative as well as several supervisors to voice my displeasure, the poor customer service, and deceptive practices. 
4. I do not have a documentation to support the terms of the agreement. This was not provided by the vendor. I only received an email with the original reservation details.

5. Provided as available. 
6. I do not have a cancellation confirmation number since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date. 
7. I do not have a supporting documentation that a credit is due since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date as per my original and preferred request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
to my knowledge I'm dealing with inaccurate incomplete and misleading information on my credit report that this company failed to thoroughly investigate. Anything being reported about me should be reported 100 % accurate.

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