vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 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: SC

Complaint narrative:
I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.

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 2022-10-22 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: NV

Complaint narrative:
I have filed disputes in regards to the incorrect info on my credit report. It has been well over 30 days and I havent received my investigation results.

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have filed disputes in regards to the incorrect info on my credit report. It has been well over 30 days and I havent received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NJ

Complaint narrative:
Incorrect Personal information on my credit reports.

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 2022-10-22 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: LEXISNEXIS
State: GA

Complaint narrative:
Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I have been banking with USAA for over 10 years and the customer service I have received on XXXX has been incredibly unhelpful. I deposited my check for {$1000.00} on XX/XX/22 and a little over by half of it the bank is holding and keep hostage for a week. Ive expressed to 3 customer service representatives that I need it released due to me having bills that need to be paid, and all the could offer me was reading directly off a script. Theyve all expressed that theyre committed to building close relationships with tiger members, however that is not the case. None of them cared that I have bills to pay. Im essentially just supposed to deal with it. Im tired of having more than half of my check being held hostage by USAA. The worst part is that they dont consistently hold my checks. They pick and choose when they want to do it. I want better from then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: MN

Complaint narrative:
2ND REQUEST : I am challenging Equifax because they are not in compliance with METRO 2 compliance standards. They DO NOT INVESTIGATE THEY DONT SEND OUT UPDATED REPORTS AND THEY NEVER SEND METHOD OF VERIFICATION LETTERS. THEY DO NOT READ DISPUTES! 
This is a direct violation of 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. This is law! CLOSED ACCOUNTS CAN NOT REPORT A BALANCE!!!! I am doing this again as I have had no results and this is for paper trail for my lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I recently checked my XXXX XXXX through XXXX and noticed I had a debt of over {$1000.00} from Rent Recovery Solutions. I was not notified that I could dispute the collection and I never received an email or written notice that I was in debt. 

I am not sure what I am being charged for as I have paid every month of rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Incorrect Personal information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NJ

Complaint narrative:
Incorrect Personal information on my credit reports.

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 2022-10-22 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial reported a late payment for XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX was a tough year. Covid was spreading and I was sick at the time back to back they said they couldn't offer me any assistance due to me using all 4 payment extensions. I made the account 30 days late but then I was told by a representative that they were offering assistance and that they wouldn't report people late during covid as long as the account was not 60 days past due. I tried my very best as a single mother trying to survive during tough times and made the payment 1 day late which pushed me to 30 days being reported late. This is not fair. I even saw on the GM website they were helping customers during covid but they refused to help me. 


XX/XX/XXXX was tough for me I was on XXXX XXXX and wasn't receiving my payments on time from state XXXX but I tried my very best to make sure I made my payments on time to avoid any future mistakes. My payment was due on XX/XX/XXXX. I made my payment on XX/XX/XXXX. Someone how my bank rejected the payment and I was not aware until the following 2 business days that the payment didn't go through so immediately made a payment on XX/XX/XXXX with ACI payments which is instantly instead of doing ACH for the amount of {$520.00} plus the {$5.00} fee so the payment would immediately be taken out to avoid any delays. I called the next day to speak to a representative and explained what happen and they said there was nothing they could do and that I could try disputing with the credit bureaus. I tried several times with no success. These late payments are drastically affecting and as long time GM customer the company would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: PA

Complaint narrative:
I have couple credit cards opened on my social security and and it is debt collection now. And credit went don't and can't investigate it

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 2022-10-22 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: MI

Complaint narrative:
XXXX XXXX and XXXX is being reported as late payments on my accounts. It is against the law for them to be reporting that under the USC1666B Timing of payments. I would like them removed immediately.

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 2022-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to place a formal complaint against Experian for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX # XXXX. 
Experian said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Experian is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX sent a certified letter with attachments of my credit report and copy of my state ID and Social security card to Equifax regarding incomplete and inaccurate on my credit report and asked them to do a complete investigation making sure all accounts information are completely listed and accurate. If this could not be done I requested that and account that is missing any information or not correct be deleted from my credit files in occurrence to 15U.s.C Sec 1681i ( a ), 15 U.S.C 1681 Section602a, 15 U.S.C 1681 Section A section 2. 
Account name XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX & account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX ( I noticed on this account the new report that was sent to me has a different account number that my first report that I received on XX/XX/2022 ) They responded with updates that was not fully completed information and still inaccurate information still appears in my credit file. I am not sure who Equifax did their investigation with but to my knowledge I am aware of anyone that was contact to verify information as it states in the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXX, I contacted XXXX to let them know the debt was NOT mine and that the debt had been closed out with another creditor XXXX on XX/XX/XXXX because the validly of this debt was not proven.I told XXXX they could contact my lawyer and the debt was not mine. I provided their contact information to XXXX on a RECORDED line. 
Today XX/XX/XXXX they have contacted me AGAIN via mail after I gave them my lawyers information and disputed the debt on a recorded line. I called them and told them this debt was not mine and I have already given this information on XX/XX/XXXX and if they contact me again Ill file suit against them. This debt was researched and already closed with another creditor on XX/XX/XXXX. This debt was purchased by XXXX AFTER XXXX group had to close it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2022 I applied for a chase freedom student credit card and was denied. I requested for the company to review the decision and the application and was still denied. I, the consumer and natural person made the application in good faith, but credit was not applied. On XX/XX/XXXX I received an adverse action letter stating the reasons for denial. The reasons stated for denial were based off of inaccurate information that was reported on my consumer report and has been deleted and removed. On XX/XX/XXXX I sent a response to the adverse action letter to the companies headquarters stating the violations of federal law that has been committed against me, the consumer. I followed up with a CFPB complaint to ensure this matter gets handled with maxim efficiency and urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was scammed out of {$180.00} by someone posing as XXXX they said my electricity would be turned off that day I was scheduled for disconnection they would not take a check they would not take a credit card they said it had to be a bank transfer they said that there was a glitch in the system even though I use the website to pay my XXXX and XXXX bill they had to review the bill to find out if it was paid once they reviewed the billing they would refund my {$180.00} as soon as I transfer the money I realized it was a scam I called the bank but they could not stop the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Car loan was responsibility of ex husband. Car was involved in an accident that totaled car in XX/XX/2020. Car loan was paid in full by insurance and/or XXXX. Company is still reporting recent charge off.

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 2022-10-22 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:
According the FCRA, Transunion and XXXX have violated at least 2 laws while trying to verify my credit report. Please see infractions below : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

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 2022-10-22 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: TX

Complaint narrative:
I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

Company response to consumer: Closed with explanation