vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

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

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-07-29 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

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

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just put somebody down with false information to make more money for the subprime market. And also I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those collection accounts and or charge-offs. The signed affidavit that I'm sending is to you explain how they keep violating my rights. Also I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: IL

Complaint narrative:
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or 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 explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
The company did not answer my question as to how is this account is mine. I asked where did they get my information and why did they put it on my credit report. I stated I have never heard of them and that I don't know anything about the debt they told me I had to pay it and them they hung up on me. the company is AFNI a debt collector. that refuse to give me answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: VA

Complaint narrative:
Transunion has not done a proper investigation according to the standards of the FCRA. 

I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. 

Transunion says they have updated the account however there are still inaccurate information reporting. 

However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. 

How is it possible the account is accurate and there was a proper investigation if the reported information does not meet Metro 2 Compliance standards. 


Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of USC 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

USPS Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report.

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 2023-07-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Item : XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX Opened on XXXX XXXX and XXXX XXXXXXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXX XXXX account # XXXX Opened XX/XX/XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of cries which antedates 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 consumer reporting agency if the person knows or 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 explanation
Consumer complaint received 2023-07-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX 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 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Was given a loan with a 22 % interest rate with made the loan more than the car was worth and impossible getting paid 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 2023-07-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This was submitted in 2021 and it would not let me dispute it again online as Experian said they stand by their information collected. I would arguably disagree as they are citing they are receiving information verified with the AZ courts. It is clear they do not report to you or any credit bureau for that matter ( see below ) therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 



Kind regards, 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 explanation
Consumer complaint received 2023-07-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
This account is reporting an amount that I disagree with. This was a secured credit card. I had to deposit {$200.00} to access that amount in credit. The card was closed. The company did not return the security deposit nor did they apply it to the balance. I've reached out to the company by phone several months ago, by mail and through disputes with the credit bureaus.

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 2023-07-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
In XXXX my bank updated it's internet application which connects to Experian, my credit reporting site. Well in the process my account became disconnected. And I lost all my credit. It wasn't my fault... they switched to biometric login. Finger print ... .so I switched back to password login and tried oh so many times to rehook it up to get my score. Now I been paying about XXXX  extra a month to live because my bank app updated. And they tanked my score to no score. And I've called several times since this has happened ... ..no one can help me. What do I do... .was n't my fault. And now last 2 month has costed me about XXXX dollars to live the last 2 months, just because my bank app updated ... and Experian tanked my score which was XXXX, ..a good score. And now nothing. My insurance went up ... by XXXX of dollars ... I can not get I or any apartment 's, this is not my fault by the way. I have tried everything to get my score back Now about XXXX dollars in the home because of so wrong not my fault. And I have become XXXX last month... XXXX XXXX and XXXX XXXX XXXX.. .ca n't work and here my money flies even quicker from my hands cuz of something not my fault.. I have tried for 2 months to fix this ... ..no one can help me... .and I'm falling behind cuz of it ... ..I about to pay a lawyer and do a lawsuit because it's cheaper than paying high prices because of a lil app updating. Cost me over XXXX already... ..when is enough enough! I could see if I did it., .and it was my fault. But this is crazy. Now I'm broke... .no credit ... .no where to go... .ca n't even bur myself and inner because of a bank app updating has destroyed my life last few months. Yes not my fault ...., it is what it is... .giving up hope on humans. This world is so lazy and XXXX  talking to people who never help me. I can see shy people flip out.

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 2023-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I reached the end of my loan back in XX/XX/XXXX. They had not been reporting to the credit bureaus since XXXX XXXX  XXXX. I have since gotten them completely removed from my credit report as of today XX/XX/XXXX. I spoke to them XX/XX/XXXX to work out a plan to bulk pay on the rest of what I owe im equity. They mentioned for them not to repo the car I would need to make {$490.00} payments every time I get paid ( Bi weekly ) which I can't do. My concern is that paying them isn't getting reported, and trying to make me pay them every 2 weeks seems predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I made a payment before the due date and I know for a fact there was funds in the account and capital one returned said payment the day before my due date after processing it for a week, however they did not reach out to me or call me to let me know there was an issue with the payment and the they charged me a late fee for an account with restricted access without even telling me they returned a payment. When I called I asked them why they returned the payment they couldnt give me a valid answer. I told them Id payoff the balance but I wasnt paying the late fee they charged me and they wont refund it to the capital one account so Ive paid off my XXXX balance but theres still a {$32.00} balance in there because of the fees they charged me that I shouldnt have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My Venmo account was randomly frozen ( I still dont know whyno one will tell me ). In the years Ive used Venmo, Ive never had an issue, no payments returned, my credit card is in good standing, etc, nothing out of order. 

My last transaction was when my neighbor reimbursed me the {$200.00} I paid for our blocks bulk order of garden mulch, which comes together in one truckload, thereby avoiding a delivery fee. Suddenly my account was frozen for suspicious activity with no explanation??? Is there a problem with mulch? I even offered to send a copy of the receipt for the mulch. 

Spent hours on useless calls to reach VENMO support, always on hold, then disconnected. When I finally got through after holdin for 45 mins, they said they couldnt help me, some other team would email me. After approx 10 days, I received a highly suspicious email telling me to send a selfie photo holding my state issue ID, to a strange link in the email to unfreeze my acct?? What the heck?!?

Every GOVT Fraud Alert site says to beware of these types of scam attempts such as asking for a selfie with an ID. This is a flag for fraud & they advise NEVER to send a selfie to verify anything. Banks do NOT request selfies to verify an account, plus my bank & credit card already verified my identity. 

So, I choose to be safe & follow the XXXX, CFPB & FTC advice but my Venmo acct remains frozen & Ive given up waiting for help. If internet companies want to act like banks, they should be subject to the same rules as banks so Im writing to you.

One thing we older folks have time to do, is write a complaint when something is suspicious or will lead to more fraud. 

Please and thank you in advance, for your prompt response to this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
ALLY Mastercard is sending me offers to sign up for a credit card about every XXXX weeks for about XXXXyear. Why are they hounding/harassing me with these offers every XXXX weeks for about a year. WHO is giving ALLY my address? With identity theft, I do not want or ask ALLY for a sending me these constant offers every XXXX weeks. I want it STOPPED.

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 2023-07-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN

Complaint narrative:
Going back to XX/XX/22 Aspire Servicing Center negatively reported default on my credit report stating that I was not making payments on student loans during the Presidential Freeze on student loans. They refuse to remove the default report even though there was a Presidential freeze.

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 2023-07-30 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: LA

Complaint narrative:
ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW

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 2023-07-30 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: LA

Complaint narrative:
ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: LA

Complaint narrative:
ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW

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