vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have written to OneMain Financial on more than one occasion explaining that I was not interested in their services and for them to remove my name and address from their system. I have a suppression on my credit report that prohibits such solicitations, but they continue to mail unsolicited offers and quite frankly I'm sick of it. I have never done business with them, nor do I want to. They send mail to my po box and have now started sending mail to my home address, which I have not provided to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX USA  Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX 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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upon opening an account with Upgrade, I was provided a " Truth in Lending '' document. This document states what my monthly payment should be if I were to utilize the maximum amount of credit extended. I have not utilized the full amount, nor has my interest rate changed from when the " TIL '' was provided. Despite this, I am being billed at a higher monthly statement that what was provided on the " TIL ''. I have never missed a payment, and have on occasion, paid more than the minimum. I reached out to customer service and spoke with XXXX. I explained that I feel my monthly statement is being calculated incorrectly. She was able to view the uploaded " TIL '' document on my account and verify the numbers I was provided. She was unable to provide a valid reason as to why my bill is being calculated higher than the maximum amount provided on the Truth in Lending statement. 
She stated that if I immediately maxed out my card at XXXX, then my monthly amount would be what is provided on the " TIL '', however, since I did not utilize the full amount, the amount is different? That is not how the Truth in Lending Act works, and something is wrong. Upgrade has NOT contacted me back with a supervisor despite filing an official complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
An account for XXXX XXXX keeps appearing on my credit report and keeps making my credit score go down. This is NOT my account. I called the collection agency that was listed and they told me that I had services in XXXX, FL and I told them that I have never lived in XXXX, FL ( where the service emanated from ). I have lived in New Jersey my entire life and I never live in any part of Florida. The amount of the debt is {$750.00}. I also filed a dispute with XXXX and they said they have verified this debt as being correct. I disputed this same account twice before with XXXX and both times they were removed from my account because they were found not to be me and considered to be FRAUDULENT. It is now appearing again on my account and I need it removed. I have sent XXXX information again stating that I have never lived in Florida ( which they also matched against my credit report and verified ) and I have also sent information to I.C. Systems, Inc. who said they would FLAG the account as being FRAUDULENT. I have absolutely NO bills that have ever emanated out of Florida. I really need this permanently deleted from my credit file. PLEASE HELP! Thank you. 

Information : Original Company : XXXX XXXX XXXX XXXX : I.C. Systems, Inc. 
Amount : {$750.00} Date Opened : Can not see those details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ln accordance with the Fair Credit Reporting act. 
The Accounts with XXXX XXXX XXXX ( ACCOUT NUMBER : XXXX ) AND The Account with XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) have 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. States : 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent LVNV Funding a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 LVNV Funding is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). LVNV is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX  is allowing this to stay on here. I am submitting this complaint as a record to show that LVNV Funding and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and LVNV receives this complaint. It has been over 30days since LVNV Funding have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. 
Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 an account without my written instructions. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 

By definition The IRS Clearly says a Canceled or Charge is Income. The reporting of this account as a debt is inaccurate. 


In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number 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 an account without my written instructions. 

Congress clearly states if a consumer report ( credit report ) does not INCLUDE TRANSACTIONS or EXPERIENCES between the consumer ( XXXX XXXX ) and the person XXXX XXXX, XXXX ) making the report which makes your reporting of this account inaccurate and ILLEGAL. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or Experiences between the consumer ( XXXX XXXX ) and the person ( XXXX XXXX, XXXX ) making the 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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 an account without my written instructions.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate.

By definition The IRS Clearly says a Canceled or Charge is Income. The reporting of this account as a debt is inaccurate. 


In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number XXXX, has violated my rights. 

XXXX 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. 

Congress clearly states if a consumer report ( credit report ) does not INCLUDE TRANSACTIONS or EXPERIENCES between the consumer ( XXXX XXXX ) and the person XXXX XXXX, XXXX ) making the report which makes your reporting of this account inaccurate and ILLEGAL. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or Experiences between the consumer ( XXXX XXXX ) and the person ( XXXX XXXX, XXXX ) making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.

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

Complaint narrative:
On XX/XX/2022 I sent in a letter to the company ( Experian ) requesting several accounts to be verified, updated or removed that were reporting to my credit file. These accounts are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts allegedly belonging to me. They also refused to inform me of the outcome of their investigation. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was never late on a payment. I paid biweekly for the length of mortgage. The company changed its software and couldnt take bi weekly payments. Monies were still sent in electronically thru my back. The mortgage company went me checks back, then said I was delinquent? This is a mistake on their behalf and it should not reflect on my credit report. This mortgage has been paid in full. In reality the mortgage company owes me the money back from late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
XX/XX/2022 of {$170.00} Sequium Asset Solutions LLC sent me a letter that I never had nor apply for so I was trying to see can I get this off my credit because I never had a XXXX XXXX XXXX XXXX account I dont ever know what that is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 


XXXX. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX CRED XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 


1. US DEPT OF EDXXXX XXXX BALANCE {$7600.00} 2. US DEPT OF EDXXXX XXXX BALANCE {$4300.00} 3. US DEPT OF EDXXXX XXXX BALANCE {$3600.00} 4. US DEPT OF ED/XXXX XXXX BALANCE {$5300.00} 5. US DEPT OF EDXXXX XXXX BALANCE {$4000.00} 6. US DEPT OF ED/XXXX XXXX BALANCE {$9300.00} 7. XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 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