vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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:
I previously had a vehicle loan with XXXX XXXX XXXX XXXX. This loan was for a XXXX XXXX XXXX, and the payments were due on the XXXX of each month. This vehicle was paid off on XX/XX/XXXX. However, XXXX has reported on my credit report that my XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. The vehicle was paid off prior to the XX/XX/XXXX payment being 30 days late, and the loan was completely closed by XX/XX/XXXX. I have reached out to XXXX twice. The first time, they told me to dispute the information, and the person I spoke to said that these XXXX late payments are definitely reported incorrectly. I disputed with Experian, but the information was not changed. I then spoke to XXXX again and got a statement from them saying that the loan was paid off on XX/XX/XXXX. I submitted this document with a new dispute for Experian. However, the incorrect late payments were not taken off my credit report. Experian states that XXXX has verified the information on my credit report as correct. However, I have documentation and have had conversations with XXXX that contradict that.

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 2022-12-31 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I have received received multiple phone calls during work hours. I also received multiple letters from this company. This is a form of harassment.

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 2022-12-31 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: IL

Complaint narrative:
XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, XXXX and Trans Union is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of XXXX  and trans Union report reflecting 30 days late payment XX/XX/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 2022-12-31 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: IL

Complaint narrative:
XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, Experian and XXXX XXXX is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of experian and XXXX XXXX report reflecting 30 days late payment XX/XX/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 2022-12-31 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: PR

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX Accounts has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

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 2022-12-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
In XX/XX/2922, One Main to inquire about my car which is being used as collateral on my loan. I used the car as collateral for the original loan 2 years ago, but I have since paid off both a ) the cost of what remained on the car note and b ) what the original loan amount was. I refinanced this loan last year to cover new expenses. The car has failed inspection, is no longer drivable, and the cost of repairs would be more than the cost of the car ( about {$2500.00} according to XXXX ). I asked one main if they could either release the title so I could trade the car in or allow me to provide other items of value as collateral because this car is not worth anything. The branch placed me on several holds, then told me they would call back. After waiting 5 hours, I called back and the branch manager said that neither scenario was possible. He suggested that a dealership pay off the entire remaining balance of the loan, which is almost 7.5x higher than the cost of the car. I filed a complaint with the XXXX, and after a series of responses, One Main informed me that they accept the risk of the car not being drivable and they would a only release the title if the loan is paid in full. On XXXX, One Main accepted a {$6900.00} payment from my insurance company, which left a balance on the loan of {$10000.00}. One Main released the title to XXXX, and informed me that the balance/interest/and terms remained the same. In the XX/XX/26 letter and in multiple occasions, one main informed me that the title would only be released if the loan is paid in full, which is clearly untrue. I have been mislead and mistreated, and One Main was clearly settling for the highest bidder for the car. This policy clearly needs to be rewritten and updated, and some resolutions should be offered to me for how this company has repeatedly unfairly treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 2022-12-31 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: PA

Complaint narrative:
XX/XX/XXXX, I visited an auto dealership For XXXX, I finally decided to trade my XXXX XXXX XXXX for the XXXX. After the dealership checked my credit report, I was informed that I had a recent collection added to me account, that significantly impacted my credit score. 

When I returned home, I started investigating and seen that a " XXXXXXXX XXXX  '' had contacted the three credit reporting agencies, XXXX, XXXX, and Equifax to add a collection of XXXX dollars to my credit report. resulting in an ( XXXX POINTS REDUCTION ) due to the collection. 

Trying to resolve this with the XXXX XXXX representative, I explicitly explain. NO ONE EVER CONTACTED ME, I NEVER HEARD OF THIS, I was informed by the XXXX XXXX Representative, that XXXX XXXX have sent numerous letters/notifications to my current address since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX, PA XXXX. 

The Ironic thing is I DIDNT MOVE TO PENNSYLVANIA UNTIL XX/XX/XXXX ( work relocation ), HOW IS THAT POSSIBLE??? 
The bottom line is, NO ONE FROM XXXX XXXX, EVER CONTACTED ME, THEY CIRCUVENT WORKING TO RESOLVE THIS AND SIMPLY ADD THIS TO MY CONSUMER 'S CREDIT REPORT. as soon as I became aware of this, I immediately paid the XXXX dollars, which I would have done, IF I HAD KNOWN THERE WAS AN ARREAR from a XXXX apartment. 
The representative from XXXX XXXX, informed me that If I paid this collection, the would remove this from my consumers credit report, I PAID THE COLLECTION THE SAME DAY, AND IT ONLY SHOWS PAID AND NOT REMOVED, MY CREDIT REPORT AS DECREASED BY XXXX points due to this. 
I'm not disputing if the arrears are mine, I'M SAYING THE PROCESS XXXX XXXX utilizes is against the law, the consumer MUST AVE SOME PROTECTION from lazy credit collection agencies who don't want to contact consumers, just add this negative life changing collections to the consumers account and force then to contact us, THIS IS ILLEGAL, PLEASE PROTECT THE CONSUMERS, THIS IS RIGHT PEOPLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: PR

Complaint narrative:
All Accounts in XXXX XXXX  XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

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 2022-12-31 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: PR

Complaint narrative:
All Accounts in XXXX XXXX  XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
We just filed a complaint in where XXXX stated XXXX purchased the debt XXXX XXXX and so forth on XXXX under the fair credit reporting act I must be contacted XXXX phone or XXXX Mail if not credit XXXX not reported negative I provided u a dispusition of the courts where I was in prison upon your purchase of the debt .. XXXX report I send u a disposition from XXXX XXXX XXXX XXXX XXXX was arrested in XX/XX/XXXX and I was there until I won my appeal in XXXX .. so please tell me how u made contact with me not XXXX letter was addressed to XXXX XXXX XXXX you can choose a previous address and say oh I made contact not to mention its public record its still on my credit report. Where my location was .. its not my responsibility to follow the law its yours .. your in lawfully collecting a debt. That u have no fright to and are not follow the federal and state law which states if u did not make contact u can not report any negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
There is a XXXX XXXX in the amount of {$4400.00}. I had contacted the bank in regards to this matter due to someone finding my wallet with my social security card and drivers license and stealing my identity. This has been an ongoing issue and I can not get this resolved. At this point they are reporting a balance and an account that is open. I had provided them with a police report and a written statement proving that my identity had been stolen. There was no further action taken on their end. This is hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a long time customer JP Morgan Chase with multiple accounts. I recently opened a new Chase Total Checking account. This account has a XXXX XXXX monthly fee that can be waived if any of the following criteria is met. Below is the verbiage on Chases website : XXXX XXXX monthly service fee OR {$0.00} with one of the following each monthly statement period : Electronic deposits made into this account totaling {$500.00} or more, such as payments from payroll providers or government benefit providers, by using ( i ) the ACH network, ( ii ) the Real Time Payment network, or ( iii ) third party services that facilitate payments to your debit card using the Visa or XXXX XXXX OR a balance at the beginning of each day of {$1500.00} or more in this account OR an average beginning day balance of {$5000.00} or more in any combination of this account and linked qualifying deposits XXXX ( Opens Overlay ) /investments XXXX The criteria I intended to use to waive the fee were monthly deposits made via XXXX which would far exceed the XXXX XXXX monthly requirement. I decided to confirm after opening the account and was told XXXX didnt not meet the criteria of the ( ii ) XXXX XXXX XXXX XXXX XXXX I pressed Chase representatives to identify what option I can use to satisfy payment via this network and discovered that either the representatives werent aware or this option didnt exist in the way the average consumer would understand it. I was told that to satisfy this condition I would have to have a direct deposit via payroll or from a government entity. While these conditions would be fine if that was stated in Chase language they are not, rather just given as examples in the first line. 

Chases explanation is either intentionally vague and therefore will lead to monthly charges or includes a condition ( ii ) XXXX XXXX XXXX XXXX that they knowingly or unknowingly choose to include but can not provide options to meet for a typical consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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