vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-21 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
In accordance with fair credit reporting account Ford Motor Credit XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I sent Experian a letter of reinvestigation making the company aware that I never received an initial investigation as Congress states Im entitled to on accounts reporting ( 15 U.S.C 1681a ( e ) investigative consumer report ). Once Experian assumed this vital role and grave responsibility of fairness and maximum accuracy their duties were clear and precise. Only the derogatory accounts below prove otherwise. Untrue, unverified, incorrect, non-compliant with the CRSA enacted CDIA Metro 2 Compliance regulations. the accounts that are being questioned lack proper investigation and accuracy. I do not have any affiliation to XXXX and any personal data that Experian has sold to that company compromised my identity, every time Experian purchases, sells and furnishes my data without lawful investigation. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF 1974 LAW. Instead of Experian removing the errors they updated which further violates my federal consumer rights. I was never late with XXXX and Experian has had 48 days to do a proper investigation. Please update XXXX billing error to paid as agreed never late ( PAANL ) 15 U.S.C 1666 Billing Error ). Delete XXXX account as it is non-compliant and untrue. Experian also had 5 business days to send me a written notice of dispute which I have never received pursuant to 15 U.S.C. 1681i. Delete these erroneous furnishings do to numerous violations and failure of proper procedure compliance. Please help protect me from these deceptive practices and being federally violated.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have watched my credit score on Experian for countless months, finally starting to get inaccurate information off my credit report, applying the credit boost, and started reporting accounts I pay every month through the credit boost. This raised my score to XXXX but two days ago, it suddenly said " Unscorable '' and I had no score at all. I sent messages to Experian and they returned a message saying : -- - Thank you for contacting Experian. I see that your credit score is not available at this time. Here are some reasons why a FICO Score might not be available : Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over XXXX accounts on it A creditor has reported you as deceased You can add self-reported utility payments to your credit report through Experian XXXX which can instantly increase your XXXX Score based on your Experian credit report. 

More information is available : https : //www.experian.com/XXXX If you think there is an error in your credit report, you can file a dispute : https : //www.experian.comXXXX 

-- - and of course, NONE OF THOSE REASONS APPLY AS, I had a score of XXXX two days ago... 

Activity has been reported every month, including two credit cards and the credit boost four accounts on self-reporting, and my Georgia Power Bill . 

I don't have XXXX files on my report. 

AND- I AM MOST CERTAINLY NOT DEAD! 

I even tried to call them and just got a run-around with their recording. I messaged them and got told all of the above. 

ALSO, For the past year, they have placed on my credit report that my address is a retail business and my house is not a business and never has been. Just a secondary problem they have ignored.

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 2022-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
in 2016 I took out a payday loan and I can no longer take out loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX {$330.00} & {$660.00} I've already tried opening a dispute with chase but they denied it and whenever I attempt to call asking for the evidence they use they don't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Paid off boat loan in its entirety on XX/XX/XXXX. As of today, 35 days later, I still do not have access to the title, and the state of Florida is still showing a lien being held by the bank. I have worked with PenFed title and loan services, collateral, and multiple customer service supervisors. As of XX/XX/XXXX, penfed has not offered any resolution to this problem, and advised me to seek legal counsel, rather than work towards an actual resolution.

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 2022-06-21 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: LA

Complaint narrative:
XXXX I was enrolled in XXXX College in XXXX La. I completed my book work but had to do extern inorder to complete the course for XXXX XXXX. Due to me being around 7 to 8 months XXXX  the school pushed back my extern to 6 weeks after I had my baby which was XX/XX/XXXX but before I could come off XXXX  XXXX  to complete the course the school unknowingly shut down for fraud.. They stole the students money and didnt pay the teachers it should be in public record.. I had been deferring and trying to fight having to pay for the loan because the school said that I was approved for free services but unknowingly took out loans and most definitely since the school closed with fraud, I shouldnt have to repay the loan that I didnt know about.. I feel all the late payments are inaccurate because I wasnt paying due to legal reasons trying to fight having to pay the loan.. the negative remark is the only negative on my report thats affecting my credit score. My taxes did end up getting took to cover the student loan which has XXXX balance now, but still with the late payments I feel thats not fair, and should be removed especially due to circumstances that are not my fault at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TIDEWATER FINANCE COMPANY, INC.
State: TN

Complaint narrative:
Remove and delete the following accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TN

Complaint narrative:
XXXX XXXX recently added two collection accounts to my credit report for the same bill from XX/XX/2015. Not only is it too old to be on my credit, but they ha e it listed twice. It is listed with XXXX XXXXXXXX XXXX XXXXXXXX for {$13000.00} and also with XXXX XXXX, XXXX for {$13000.00}. This caused my credit score to drop by nearly XXXX points. So not only is it too old and listed twice, they don't even have the same amounts reported. I am extremely sick and on XXXX, and heavily really on my credit to help my son, who has XXXX, survive. This company proved to have numerous unethical business practices, and scammed me into buying a car that broke down after less than a week. They could see that I was weak, in pain, and XXXX and preyed on that weakness.

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 2022-06-21 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: CO

Complaint narrative:
In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX account # XXXX ** XXXX XXXX account # XXXX XXXX XXXX account # 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 2022-06-21 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is violating my rights as a consumer under the FCRA by slashing my credit limits after I have successfully proven to them that I make more than enough money to pay their bills and taking me through an embarrassing process. 

I was on the phone with one of their representatives for more than 2 hours to have them call my bank on 3 way, exposing my password secrets, and asking if I have money in my account to pay a bill. 

What kind of XXXX is that? A mistake to pay my bill one day before I had money in my personal account is not a reason to slash all limits on my business cards.

If Amex do not follow rules under 15 USC 1605 and 15 USC 1681 and give my rightful access to my open ended credit line, I will file Arbritration clauses against them immediately for defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
my home loan officer had ran my credit for the following mortgage loan companies without my consent XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also a XXXX  XXXX XXXX credit card was applied for online without my consent on XX/XX/XXXX XXXX was ran on m y credit when I was getting a cell phone without my consent as well on XX/XX/XXXX Also, when I went to the dealership XXXX of XXXX ran my credit through XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX  without my consent when they said they were not going to pull my credit report. I was inquiring how much my payment would be if I bought a car with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In accordance with the fair credit reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2022-06-21 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: RI

Complaint narrative:
In accordance with the fair credit reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2022-06-21 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: NJ

Complaint narrative:
on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report which they claimed they verified through lexis nexis. lexis nexis does not have a bankruptcy reported on my file, there for there is no way for them to have legally validated and verified a bankruptcy. They were given 15 days to delete the reporting and are coming close to the deadline

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 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX, I called Marcus customer service to ask to change my due date. I was told I should escalate my concern to a supervisor. I did so and the supervisor said my request would be put in manually and I would receive a call back as they were still transitioning and were having multiple issues. For almost two weeks, I did not receive a call back. I call again on XX/XX/XXXX. The agent could not find this request but found a complaint. I asked to be transferred to a supervisor and my request was not initially honored. Thus, I was forced to repeat myself multiple times for a supervisor- which was unfairly tough on me as I have a XXXX XXXX that was illegally aggravated here by Marcus. When I was transferred to a supervisor, the supervisor proceeded to defend the first agents blatant misconduct by saying that the answer was clear. I said it was not clear when on XX/XX/XXXX I was asked to escalate this issue and I was told I was going to get a call back. She told me that the complaint was closed stating I asked this question multiple times and got the same answer, which was clearly a false and fraudulent entry because I was asked to escalate the call on XX/XX/XXXX and I was told Id receive a call back and I was sympathetic at the time to the operational issues. However, because I was being blatantly XXXX now by this supervisor, I told her I felt I was being XXXX  discriminated against by being so openly lied to and disrespected by having my integrity questioned. A Marcus employee intentionally lied on a written document saying I had gotten the same answer multiple times, when I had in fact not gotten the same answer. Then, disgustingly and despicably, I was literally ordered by this supervisor to stop making this allegation as if I were some type of animal who could be ordered like that. She said this after I told her I was going to complain to the CFPB. She seemed to be intending to criminally obstruct my complaint and subsequent federal regulatory investigation by this illegal and outrageous order. Perhaps, she was not intending to intentionally be XXXX with her offensive order - but rather was just going rogue because she was being lazy and did not want to research the truth into what was actually said to me on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 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: NJ

Complaint narrative:
on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report. They get their information through the company LCI. When asked HOW they verified said bankruptcy, they just respond that it has been validated. With my letter I sent them correspondence from the Bankruptcy court and PACER who both said that they do NOT directly give out bankruptcy information to third party companies such as XXXX XXXX or transunion, XXXX and XXXX. Being as though they are the only legal holders if public records, there is not way for LCI to have legally verified or validated that information to give it to Transunion to report. They were given 15 days to delete the reporting and are coming close to the deadline

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Can the CFPB look into my problem asap? I'm attaching a letter from the courthouse stating that they do not verify bankruptcies, letter from XXXX XXXX indicating the deletion, and a copy of the dispute from Equifax stating that XXXX XXXX verified their public information. The FCRA requires that they have a verified and validated contract on file for the bankruptcies. MY RIGHTS ARE CONTINUOUSLY BEING VIOLATED and this issue is causing me a lot of stress and financial harm.

Company response to consumer: Closed with explanation