vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried several times to fix my credit with the credit bureaus, I have sent letters specifying the accounts that are being reported erroneously and I have even pointed out errors. 

How is it possible that the credit bureaus are reporting the same account but with different dates and different reports, they are supposed to report correctly, I have the right to a fair credit according to the FCRA, this violates my rights as a consumer

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 2022-05-23 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: CA

Complaint narrative:
I have tried several times to fix my credit with the credit bureaus, I have sent letters specifying the accounts that are being reported erroneously and I have even pointed out errors. 

How is it possible that the credit bureaus are reporting the same account but with different dates and different reports, they are supposed to report correctly, I have the right to a fair credit according to the FCRA, this violates my rights as a consumer

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 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 2022-05-23 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without 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 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I was victim of an identity theft back in 2019 irecieved many collection letter including the Ginnys acct XXXX, XXXX  them I filled all the affidavit forms and sent I different crditos but Ginnys is still showing on my credit report, please do fix the problem as I am aplying for a very important credit and this is affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX : Invalid Date of last activity XXXX shows XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number XXXX is showing XXXX and Experian is showing XXXX Also, the date last active is invalid. XXXX shows XX/XX/XXXX while Experian shows XX/XX/XXXX. DELETE this 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 2022-05-23 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: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following accounts. Block and remove them. 
XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
equifax refuse to remove incorrect information info despite have a ftc report with Identification included. the instructions are pretty clear when it comes to FTC reports on fraud and identity theft and should not be met with a debate between a reporting agency that assumed the role of collecting personal data for profit i will be seeking litigation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of :

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 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 2003, 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 non-monetary relief
Consumer complaint received 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX 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 2022-05-23 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: CA

Complaint narrative:
XXXX XXXX account # XXXX high balance ; {$11000.00} Date of last Activity ; XX/XX/XXXX last payment ; XX/XX/XXXX For the past 18months XXXX has been reporting a charge off which is inaccurate information on my credit report after I have continuously asked them to investigate. If these numbers are supposed to be the same, if you're getting the same information from the same creditors why are these numbers so vastly different.. another complaint is the fact that they're saying that I made a payment on XX/XX/XXXX I never made a payment so I thought that was strange.. on my credit report it says that I can contact the original creditor..I called XXXX XXXX and they were scared to answer any questions stating they no longer have my account it has been sold to a debt collector that's not even on my credit report.. I contact the collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. to ask them to verify this debt they stated I owe XXXX neither of the three bureaus are reporting ACCURATE INFORMATION... PLEASE DELETE ACCOUNT ... XXXX also took me to court and the judge dismissed the case I've enclosed documents of the final judgment I don't owe anything.

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 2022-05-23 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: CA

Complaint narrative:
XXXX XXXX account # XXXX high balance ; {$11000.00} Date of last Activity ; XX/XX/XXXX last payment ; XX/XX/XXXX For the past 18months XXXX has been reporting a charge off which is inaccurate information on my credit report after I have continuously asked them to investigate. If these numbers are supposed to be the same, if you're getting the same information from the same creditors why are these numbers so vastly different.. another complaint is the fact that they're saying that I made a payment on XX/XX/XXXX I never made a payment so I thought that was strange.. on my credit report it says that I can contact the original creditor..I called XXXX XXXX and they were scared to answer any questions stating they no longer have my account it has been sold to a debt collector that's not even on my credit report.. I contact the collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. to ask them to verify this debt they stated I owe XXXX neither of the three bureaus are reporting ACCURATE INFORMATION... PLEASE DELETE ACCOUNT ... XXXX also took me to court and the judge dismissed the case I've enclosed documents of the final judgment I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent 3 letters, one to each credit bureau, specifying an account that was being reported incorrectly, violating my right as a consumer to have a fair report. 

In those letters I pointed out and clearly specified the errors found and the instructions that I want to be followed for each account and they were ignored, I did not get any response.

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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went into chase bank and XXXX XXXX  early today and they denied my ability to open a new account ( representative payee account for my sons XXXX back pay. My chase account was shut downs years ago due to inactivity because of hospitalization. I didnt have a negative balance on the account. I also had a XXXX years ago but it was shut down, but I cant remember the reasons because I was young and very unaware, that to this day it will haunt me because of past accounts and not all due negative balance. I dont belong on this list. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of :

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 2022-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I, file this Complaint against CitiBanks ( Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ) to recoup from them my funds totalling XXXX XXXX XXXX ( {$31000.00} ) US Dollars. On XX/XX/2022, I deposited to XXXX XXXX Account ending in # XXXX my funds totalling {$31000.00} US Dollars via two separate ACH transfers that have not been returned yet, despite my repeated demands to do so. CitiBank subsequently froze, held, and closed my XXXX XXXX Account ending on XXXX, without explanation, notice, or consent. As of todays date, CitiBank has not refunded my funds, and has not notified me verbally or with a writing detailing : ( A ) the whereabouts of my {$31000.00} US Dollars held in CitiBank Account ending XXXX on XXXX & XXXX, ( XXXX. XXXX - XXXX XXXX & XXXX, Acct # ending XXXX. ), ( B ) the reasons for closing, freezing, or holding my account ending in XXXX without my notice or consent, and/or ( C ) when the funds will be returned to me or what transgressed with my monies. Over two dozen occasions, I have directly spoken with multiple CitiBank representatives over the phone and even visited their XXXX Connecticut XXXX in person to no avail. I have also tried to file a dispute on their Dispute Center, but I am not allowed Log In access to do so. For these reasons, I submit this complaint to aid me demanding on my behalf the immediate refund of my {$31000.00} with all interest accrued to date. 

As follows are the ACH Transfers for the unreturned funds : XXXX - XXXX XXXX XXXX XXXX for unreturned funds : File ID XXXX Individual ID XXXX XXXX # XXXX Ex. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for unreturned funds : Company ID : XXXX XXXX XXXX XXXX Web Individual ID XXXX Control # XXXX Ex. XXXX, XXXX, XXXX I kindly ask that Consumer Financial Protection Bureau intervene on my behalf to help me obtain a full refund of my deposits plus accrued interest earned to date. 
Thank you in advance for your help. Please contact me with questions related to this complaint.

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 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 non-monetary relief
Consumer complaint received 2022-05-23 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: The Outsource Group, Inc
State: NC

Complaint narrative:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
This started when SunTrust and BB & T became one bank. The manager at our bank in XXXX XXXX I think her last name is XXXX first name is XXXX she talked my sister and me and her getting a home equity loan we were harassed for months until we finally said yes we went to her office and sign the papers and we asked and got a fixed interest rate of 7.49 % that is the papers I signed out of the papers my sister signed then after she started using some of the money to fix the house up they decided to change the interest rate legally they can not change that interest rate but they think they can and I believe theyre doing this because Im a XXXX individual and they know that so I believe theyre treating me this way because I have a XXXX income being on Social Security XXXX and I feel very discriminated against and I want something done to them if you need any more information please call me my phone number is XXXX thank you

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
Ive reached out to the company regarding the situation because at the time I was working and I dont understand why the situation is occurring because my insurance switched over and they said that it was taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: AVANTE
State: NC

Complaint narrative:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. As have Capitol One Auto. 

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

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

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.

Company response to consumer: Closed with explanation