vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
i paid off an account with XXXX XXXX and Experian Refused to update my account balance and status after thy have been Notified almost 2 months ago. Experian is doing this willfully intoner to make me look very bad to lenders and to destroy my image to lenders which is a violation of FEDRAL LAWs on their part. i have a letter to prove the facts of this matter and if CFPB found that they have violated my rights i will like to pursue a Law suit against EXPERIAN. I have spoken to several reps of Experian and they have refused to update my account.

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 2022-11-07 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: I.C. System, Inc.
State: OH

Complaint narrative:
I have sent a certified letter to I. C. Systems and XXXX asking for debt validation and letting XXXX know that they didnt do a status change its illegal for an account to say collection and have a past due balance. Attached in this file I will have the Certified letter I sent to I. C. Systems and the XXXX. I have not received a response back from I. C. systems regarding the account that is being reported on my credit report. Also I. C. Systems does not carry a license to operate In Ohio. I received a letter from XXXX saying that the account was verified but I was never sent any written documentation showing that account is mine. So how was it verified? Per the fair credit reporting act I have the right to dispute these items being inaccurate on my report in section 319. I also did not give my consent for this per Section 604 15 U.S.C 1681B, Section 605 A 15 U.S.C 1681 C-1 and Section 605 B 15 U.S. C 1681 C-2.

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 2022-11-07 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: TX

Complaint narrative:
I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX  complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX  complaint.

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 2022-11-07 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: ID

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: ID

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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

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 2022-11-07 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: FL

Complaint narrative:
This information was previously disputed with TransUnion, and TransUnion continues to post this erroneous public record wich I dont recognize.the public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY CRDDIT FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT 5HE TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX BANKRUPTCY/DOCKET NUMBER 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 2022-11-07 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: TX

Complaint narrative:
In accordance with fair credit reporting act convergent accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
In accordance with fair credit reporting act convergent accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: PA

Complaint narrative:
I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the XXXX bureaus. TransUnion they are currently reporting XXXX total accounts XXXX open, XXXX closed, and XXXX delinquent which is not validated and also being disputed with those companies as well. Transunion has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with XXXX balance. TransUnion is also reporting XXXX unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. XXXX currently has my current address incorrect, reporting XXXX accounts XXXX open accounts XXXX closed, XXXX delinquents XXXX inquiries. XXXX is currently showing XXXX accounts totaling XXXX open accounts, XXXX closed, XXXX delinquent and XXXX inquiries. In light of the investigations that have been bought upon XXXX and Transunion I find that my consumer report is being irresponsibly tampered with with all XXXX. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.

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 2022-11-07 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The problem is this company has been bought at least twice it was deleted from my account originally upon the Genesis credit Management it is still on the XXXX and the XXXX credit reporting agency I have tried to dispute them several times and each time I dispute it was a different collection company it was originally disputed up on the Genesis credit management and was deleted due to being fraudulent then it changed to The summit at XXXX on the account now it is Columbia debt recovery and they just keep updating it when I dispute it but like I said it was originally deleted up on the Genesis credit Management and the amount is the same {$1300.00} I have proof that it was deleted off of my XXXX account they reviewed it and determined that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
This matter is with the Western Union. 

I sent {$150.00} to my daughter in XXXX on XX/XX/2022 XXXX : XXXX XXXX XXXX. The money was never made available to the recipient. Upon checking with them, they told me that the money was collected in XXXX - XXXX ( two different countries ). On my App does not show that the money has been picked up. 

They further say that there is nothing they can do as the investigation is underway. I need my money as my family is without food.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 Transunion : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-11-07 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: NY

Complaint narrative:
I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I recently had a collection for XXXX dollars for XXXXXXXX XXXX for a medical bill that I didnt know about but paid in full. How can I get that erased off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
My car was totaled XX/XX/2021 and Im a single mother of XXXX and had to buy another vehicle so I had 2 car payments I reached out to the CEO and multiple persons at BMW financial and they would not work with me. I have now sent in additional letters asking to settle for 1000 Thats all I can afford.

Please help me No one at BMW is willing to help Me I have been paying 100 a month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
TransUnion failed to do a proper investigation into a dispute reinvestigation That I previously requested, to date TransUnion has not done any investigation into this matter, however they stated in a previous CFPB complaint that they did ( that was a false statement ). On XXXX, XX/XX/XXXX and XX/XX/XXXX TransUnion has not sent me a response or update. TransUnion did not do a proper investigation as required by the FCRA. I have attached evidence to this complaint showing TransUnion never investigated nor updated my credit file, I have also attached a court document showing the account on my credit file is invalid. I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE : XXXX XXXX DOCKET NUMBER : 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 2022-11-07 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a Cease & Desist letter to XXXX XXXX ( CFPB Complaint number XXXX ) XXXX XXXX agreed to stop ALL Communication with me. I checked my reports and XXXX XXXX is still communication with me through a ( medium ) which pursuant to 15 usc 1692a the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I notified XXXX XXXX to hopeful get this error corrected. The lady was verbally abusive and stated they she didn't have to stop reporting the account because it's not communication ( Ignoring my constitutional rights ) granted to me under FDCPA Since this account is still reflection on my credit report XXXX XXXX is openly and violating my consumer rights.15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

My livelihood and PRIVACY have been infringed upon. XXXX XXXX has displayed Defamation of character and ruined my reputations with living and bank relationships. 

In the attachments you will find reference from XXXX  : XXXX to back up my claim and also indicate that XXXX XXXX has violated my constitutional rights granted to me as a Natural Person & consumer

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 2022-11-07 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: CA

Complaint narrative:
I sent a letter to Experian on XX/XX/2022, because of inaccurate items on my credit report. I informed them that I want them to investigate and delete all of the inaccurate information. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they inform me of the results of the investigation and that they document that the accounts are in dispute. Experian has violated federal law and has caused me undue hardship because of their negligence.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Rec 'd an email from Citibank XXXX regarding a Tiered Bonus Checking offer. It stated to call & open an account. They will set it up. Called XXXX XXXX spoke with XXXX about the details. We verified several times during the conversation that it was for the Tiered Bonus Program. If we deposited {$200000.00} by XXXX & leave it in 60 days that within 90 days later {$1500.00} would be deposited into the checking acct. Rec 'd the " welcome package '', returned the signature card and transferred the money. Called on XXXX & verified we were all set up for the Tiered Bonus program, we were also told that on XXXX the wait period will end & the {$1500.00} would be deposited within 90 days as stated. XXXX called about why the {$1500.00} was not deposited was given a " ref # '' & told to wait 5 business days. Called XXXX spoke to a " supervisor '' given a new " ref # '' he said we weren't a " targeted customer '' but couldn't tell us why or what that meant. He was going to " change the code '' to help us get the {$1500.00}. Called XXXX told " didn't get entered into the program correctly '' so we wouldn't get the {$1500.00}. XXXX called a branch in XXXX, Fl. spoke with XXXX XXXX, a manager. He said " no offer code '' was applied " wait 10 bus. days & that he would call back with a decision '' XXXX 12 days later we emailed him, no response. XXXX he emailed & said he was waiting on the promotional dept. for an answer. XXXX after no response from him we emailed him & said it appears that Citibank wasn't going to honor their commitment & that every time we have inquired about why the {$1500.00} was not funded, we were given at least 4 different excuses. We also said we would be cancelling our credit card that we've had since XXXX  along with pulling our {$200000.00}. We told him we would be contacting cfpb of how Citibank did not honor the Tiered Bonus checking offer that they solicited us about. It borderlines on a scam. XXXX called a branch in XXXX, Fl. to get checks as originally promised & never rec 'd to withdrawal our {$200000.00}. We would never have transferred {$200000.00} into a bank that paid zero interest in 10 months.

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 2022-11-07 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: SC

Complaint narrative:
I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus Transunion, XXXX, and XXXX. Credit Companies are not complying with their own policies in a timely manner.

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