vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX accounts were removed from credit file then erroneously out back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: IL

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-11-05 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: FL

Complaint narrative:
I have fraudulent inquiries on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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:
I have fraudulent inquiries on my 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 2022-11-05 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: MI

Complaint narrative:
Experian reports a collection account from XXXX XXXX XXXX original creditor XXXX XXXX I disputed this account because any account I have with XXXX  is up to date. I also have never opened an account with XXXX XXXX. Is there a history in my credit report other than this collection that refers to the owed balance? 

What needs to be done to have this corrected?

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 2022-11-05 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: IL

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.

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 2022-11-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.

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 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received notification of a payment error while banking with Citizens Bank. The payment error occurred on XXXX I requested to file a payment error dispute and was pecuniarily retaliated against to a direct demand deposit where the funds were held locally and drafted on the XXXX. What is going on with the quality of cash today?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts listed below, 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 an account without my written instructions. 

Negative Accounts : Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX  Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Reported incorrectly as Charge off, this was paid on time and in full. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX % Reported incorrectly as 30 days past due on XXXX and XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Inquires : Please removed listed inquires as these are not my accounts nor did, I authorize for them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  : XX/XX/XXXX TransUnion

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 2022-11-05 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: NV

Complaint narrative:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX 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  ( ChargeOff ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX DelinquentAccount XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Business Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX  ( 120 Days Delinquent ) Alert from : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Grid Code 4 ( 120 Days Delinquent ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed by XXXX XXXX XXXX from : XXXX XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/202XXXX XXXX XXXX XXXX - DelinquentAccount XXXX XXXX XXXX XXXX XXXX Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %

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 2022-11-05 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: NV

Complaint narrative:
do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/20XXXX XXXX XXXX XXXX  - XXXX XX/XX/2022 EXPERIAN BUSINESS CRED - Business Loan Inquiry Alert from : Experian XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX Code XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Line Closed by Credit Grantor Alert from : Experian XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX DelinquentAccount XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %

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 2022-11-05 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: NJ

Complaint narrative:
I did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies Equifax, XXXX, and XXXX to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies XXXX, XXXX, and Experian to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.

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 2022-11-05 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: 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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name 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 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 they are false.

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 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX Capital one closed my account and they said they will send me a check. Now that it is XXXX they still havent send me my money nor will they return my calls. I cant transfer my money to my new bank because they block it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: NV

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX XXXX XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXX XXXX HISTORY OLDER DEROGATORY EVENTS MORE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: PA

Complaint narrative:
The account is reporting that the amount owed was discharged in bankruptcy however the balance owed was paid off in XXXX of XXXX The original creditor was XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: IL

Complaint narrative:
My personal information on my credit report is in accurate

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 2022-11-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was reviewing my XXXX XXXX report and found that my credit score drastically went down. I notice that there were several unauthorize hard inquiries on my credit report. 

American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX When calling each incorrect companies I got the run around and transferred place to place without resolution. When speaking with American Express they did confirm that a new credit card was open and they have suspended - however I need confirmation that it was cancelled with no charges against my name and credit report. 
I need all of the credit bureaus corrected and all hard inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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: AZ

Complaint narrative:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX  XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( XXXX ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debtXXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Company response to consumer: Closed with explanation