vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: OH

Complaint narrative:
I have provided documentation to XXXX XXXX XXXX and to the three credit bureaus regarding the inaccurate information contained on my credit file. I have disputed the credit information numerous times as well as calling XXXX XXXX XXXX several times- all to no avail. Even with documentation showing the information listed on my credit report is incorrect, the information remains uncorrected. 

Again, Im disputing the following inaccurate information listed on my credit report. Below are the facts and documentation to support why my credit file should be corrected. 
XXXX XXXX XXXX I. Explanation. 
XX/XX/XXXX, I filed XXXX XXXX bankruptcy, case # XXXX. 
The plan was confirmed on XX/XX/XXXX. 
I completed the case on XX/XX/XXXX. 
All checks distributed by the trustee cleared the bank See Attached Documentation. 
XXXX XXXX XXXX was approved and was classified as a Secured creditor. They claimed {$22000.00}, which was allowed, and they also received {$2400.00} in interest payments. The total amount paid to XXXX XXXX XXXX was {$24000.00}. See Attached Documentation. 
I completed all required payments to XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX separately mailed two letters. The first letter stated that there were no liens or encumbrances on the vehicle, and I was able to obtain my car title from the Ohio BMV. See Attached Documentation. 
I obtained a clear title from the Ohio BMV on XX/XX/XXXX. Title Attached On my credit report, XXXX XXXX XXXX list that the original balance on the car was {$22000.00} and as of XX/XX/XXXX, the company charged off {$960.00} and written off {$5800.00} past due. 
This information is not accurate based on the courts documentation. 
According to the XXXX XXXX Standing Trustees Final Report and Account, I paid {$22000.00} and {$2400.00} in interest for a total of {$24000.00}. See Attached Documentation As of XX/XX/XXXX, XXXX XXXX XXXX now states I owe {$6000.00}! 

II. Update/correct/remove Information. 
I request that the current information contained on my credit file be updated/removed/corrected based on the documentation that I have included. 
My credit record should reflect that I paid a total of {$24000.00} through the XXXX XXXX Bankruptcy Court plan. 
III. Copy of the Portion of my Credit Report in Question Copy of the XXXX XXXX XXXX page from my credit report. 
The XXXX XXXX Standing Trustees Final Report and Account ; what XXXX XXXX XXXX claimed and was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
I have sent certified letter numerous times asking for them to send me a detailed itemized copy of the bill. I was charged {$1100.00} they refuse to give me an itemized copy. They did send be a bill that was broke down into groups but not a detailed copy, I Believe by law they have to. The company is Commonwealth Financial the address XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: LA

Complaint narrative:
On my XXXX credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my TransUnion credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: LA

Complaint narrative:
On my Equifax credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: WI

Complaint narrative:
In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-06-01 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: WI

Complaint narrative:
In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-06-01 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: TX

Complaint narrative:
This is a debt thats third party and its not mines its illegally to collect a debt thats not yours I dont know them nor do I owe them thank you please remove this fraudulent collection off my records please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a debt thats third party and its not mines its illegally to collect a debt thats not yours I dont know them nor do I owe them thank you please remove this fraudulent collection off my records please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
XXXX XXXX is a current and active account. I paid XXXX that was owed to re-open this acct and have had a good standing with them over 1 year. I currently have two accounts with them. One credit builder and the other is the secured card. 

XXXX XXXX XXXX XXXX : XXXX was repoed in 2018. Then sold. The balance to this vehicle keeps climbing and states the auto loan is open. This has caused many issues with me attempting to get a new vehicle because it states I have an open loan. I do not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I noticed unauthorized inquiries on my credit report that would like removed. 
Here are the companies below, XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
on XX/XX/XXXX and XX/XX/2023 $ XXXXand {$4000.00} were fraudulently charged to my discover account a music store in XXXX Georgia Discover notified me and closed that account and opened a new card they had removed the fraudulent charges several days later they put the fraudulent charges back on my new card throught XXXX they removed the charges and added them again XX/XX/XXXX a different girl removed the charges my balance was correct she issued me a new card sent it XXXX XXXX my balace was {$3300.00} the next week was fine around the XXXX my balace was {$9000.00} i called and a girl read a prepared statement saying that i was responcible for the {$5000.00} on my card the card only has a {$4000.00} limit she stuck to her guns apparently a supervisor thinks i am in on the fraud I have never committed a crime their other reason they gave me is that they had already credited that {$5000.00} so the balance was my responcility i paid my card on time and never violated Discover at any time this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am an existing Union Bank business customer. US Bank acquired Union Bank and online bank account was supposed to be switched from Union Bank to US Bank starting XX/XX/2023, according to US Bank. 

On XX/XX/2023, when I tried to transition my online account access to US Bank, I received a variety of errors from their website. 

The first few attempts were met with a message that said, " There is a problem on our end. It shouldn't last long. '' Eventually I was able to get past that error, but US Bank 's website gave me more, different errors while trying to access my account, stating that it could not identify my identity. 

I spoke to a customer service agent who said that due to a " coding error '' by Union Bank during the transfer process, I would not be able to access my own business account, even though the agent admitted I was who I claimed, the sole proprietor of this business. 

They said the only way to resolve it was for me to make an in-person appointment at a branch and providing them with ID and documentation. Or else I could resolve it by mail, a process which they said typically takes 2 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 2023-06-01 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: IL

Complaint narrative:
Pursuant to XXXX XXXX CODE 15 US 1681, Which states that Credit Reporting Agencies needs to have my written permission to report this account on my behalf. THEY DO NOT OR DID NOT REACH OUT TO ME FOR PERMISSION. Please Delete. " Verified '' means that they conducted an investigation and spoke to family and friends which they DID NOT. Please Delete. 

Account - XXXX XXXX reporting in Transunion Credit Bureau and XXXX Credit Bureau. Please Delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This company is consciously sending collection notices stating money is owed but there is no break down showing such, they just put a dollar amount to pay. And reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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.

Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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.

Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I bought a savings certificate from XXXX XXXX XXXX, XXXX. on XX/XX/1994 in XXXX, XXXX XXXX XXXX was sold to Wells Fargo ( WF ), and I had received a letter in the mail informing me that all of my accounts were now being handled by WF. 
I recently went to WF to redeem my certificate, and instead of honoring it I was told they would look into it. WF later informed that they would not honor it.

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