vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has incorrectly reported I have only XXXX years of credit history. This has caused denial of credit because my credit is " new ''. It has also lowered my credit score significantly. I have had credit since XXXX. 
This information was reported correctly previously. 

XXXX XXXX has on their site, my credit history " needs work ''. I am XXXX years old. I have already put in the work, paying off student loans after 30 years, paying off furniture store credit cards, car loans, etc. A credit card company for XXXX XXXX closed my account because I didn't use the card. Another credit card company charged fees even though the card had a XXXX balance. I closed it to save money. ( I am a XXXX. I can not afford to pay fees for a XXXX balance. ) None of this is reported. 

Transunion is only reporting open credit. This creates a skewed history. 

I am a XXXX XXXX. I was born during XXXX. It is fact, XXXX were purposely denied credit solely based on being born XXXX. Being the direct descendant of XXXX, daughter of parents born into restrictive legal XXXX and I was born during XXXX, I did not have the means to afford a mortgage until XXXX years ago. Otherwise I would have a longer history in terms of home ownership. I do have a longer history for other types of credit. 

Transunion needs to correctly list my credit history as XXXX years not XXXX. It needs to report my work experience as XXXX XXXX XXXX since XXXX. 
I briefly worked for XXXX XXXX XXXX from XXXX until XXXX and I returned to XXXX XXXX XXXX. I am still employed. 

My addresses are reported as if I am transient. I have lived in apartments. The last XXXX dwellings I occupied, I lived there for XXXX years each. 

Transunion has a history of age and XXXX discrimination in their work place. 

There are XXXX people, who are alive today, who benefitted from legal XXXX financially. Some of those people still believe XXXX are less than human and deserved the maltreatment they experienced. These people are now doctors, lawyers, bankers, teachers, and Transunion employees.

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 2022-12-17 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: NY

Complaint narrative:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-12-17 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-17 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-17 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: AR

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused 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 2022-12-17 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: AR

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 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 conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused 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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. XXXX have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. Wich have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
In accordance with the fair credit Reporting acXXXX XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: 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. 

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 2022-12-17 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. 

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 2022-12-17 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: IL

Complaint narrative:
I want to dispute some unknown inquiries on my report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: NC

Complaint narrative:
I opened up a credit builder account with Self Financial. I paid the initial process fee and they In return open up a certificate of deposit and report that amount as a loan on my credit report. I made monthly payments to them until it was paid off. In return they are supposed to cash out the certificate of deposit and return that money back to me. I have not received any of my money back from them. I opened up a XXXX XXXX XXXX complaint and the company told the XXXX  that they are having a hard time in identifying me and that they holding my funds because they believe that my bank account is fraudulent. Everything that Self Financial has stated or claimed has been dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
I pled to have the XXXX days late payment status on both loans removed from my credit report. I was under the impression that the loans were still in deferment. I received a credit alert in XX/XX/XXXX that the loans were XXXX  days past due. I was unaware that the loans had entered the re-payment. In XX/XX/XXXX the federal government entered student loan repay pause due to the Covid crisis. After several extensions the pause is extended to XX/XX/XXXX. I feel that the XXXX  days late status is in error. It has made a very negative impact on my credit which is preventing me from closing my house. I have worked hard over the past few months trying to improve my credit score. This negative impact on my credit score, has caused me stress and anxiety. The housing market is unfair for minorities, and Im requesting removal immediately. If this matter is not resolved, I will have to reach out to an attorney to help get it rectified. Ive made several attempts to get Navient to resolve this matter. I was told theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Exodus Movement, Inc.

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet : XXXX utilizing your services. 
I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in their institution which is regulated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
USAUTO Servicing has threatened to repossess my vehicle as of XX/XX/XXXX after continuing to contact them requesting a payment plan, deferment, or extension to catch up on my payments. Since COVID, I have been faced with financial hardship, loosing my home having to stay in hotels back in XX/XX/XXXX, was able to find an apartment in XXXX. Started working and unfortunately was laid off my job in XXXX of XXXX. I started rcving unemployment benefits which helped me continue to make payments which ended in XX/XX/XXXX. My childrens father assisted with paying for a month when we relocated to another city but it became a hardship on him. We came back to XXXX in XXXX, the vehicle then started to have mechanical issues, starter went out ( {$450.00} ) I'm XXXX which they were able to provide one deferment for bc they were unable to pay for repair bc I was out of warranty. I am borrowing money at this time to repair the vehicle bc the vehicle is the only thing I currently have that's helping me. XXXX another Mechanical issue ( {$250.00} ). Started working XX/XX/XXXX, contacted them advising I started working, changes in my pay, and repairs, they advised due to the acct being 53 days past due the vehicle will be up for repossession as of XX/XX/XXXX. They are unable to provide a deferment due to the one I got in XXXX and the for the hurricane that just came. If USAuto repossess this vehicle it will cause a major financial hardship and cause major damage to my credit.

Company response to consumer: Closed with explanation