vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted XXXX, XXXX, and Transunion regrading an inaccurate reporting of a court bankruptcy public record from XXXX, which is no longer list on my XXXX Credit Report. I have asked for this discrepancy to be removed from my XXXX and Transunion 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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted XXXX, Equifax, and XXXX regrading an inaccurate reporting of a court bankruptcy public record from XXXX which is no longer list on my Equifax Credit Report. I have asked for this discrepancy to be removed from my XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/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 2023-01-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/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 explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-01-06 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 a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account number XXXX XXXX XXXX XXXX was paid off in full on XXXX XXXX XXXX The credit bureaus in question knowingly placed late payment on this account on XXXX XXXX XXXX after receiving this information twice. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Status charge off. 

This account XXXX XXXX XXXX XXXX XXXX  originated in XXXX.  It was reported to the bureaus as fraud in XXXX and XXXX with a police report. For some reason this account was updated and reported as late payments 29 times to the bureaus in XX/XX/XXXX thru XX/XX/XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last 36 months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681. 


15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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

Complaint narrative:
In accordance with a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX   was paid off in full on XXXX XXXX XXXX. The credit bureaus in question knowingly placed late payment on this account on XX/XX/XXXX after receiving this information XXXX. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status XXXX XXXX. 

This account XXXX XXXX XXXX XXXX XXXX  originated in XXXX It was reported to the bureaus as fraud in XXXX XXXX XXXX with a police report. For some reason this account was updated and reported as late payments XXXX times to the bureaus in XXXX XXXX XXXX XXXX XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last XXXX months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681. 


15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that 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 2023-01-06 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: I.C. System, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX of XXXX a {$120.00} charge from a company/organization called " IC System '' was placed on my credit report in the collections category. I've attempted to reach out to this organization to get more information on the actual debt, but did not receive a response to any of my contacts. In addition to this, I wasn't notified of this debt prior to it being placed on my record. In XXXX of XXXX I was finally able to find the source of the debt when I submitted a dispute to XXXX. XXXX ( the internet provider ) placed a {$120.00} collections from my account that is up-to-date on payments and was just recently closed out. I reached out to XXXX in an attempt clear up the issue, but the representatives that I spoke with were unable to locate the {$120.00} charge that is supposedly owed. I am a XXXX XXXX  who is already having credit troubles due to changes in my family 's financials and something like this makes it impossible to secure leading to continue my schooling. I appreciate any and all help that the CFPB can offer.

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 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
On XX/XX/2022 GENESIS CREDIT MANAGEMENT LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GENESIS CREDIT MANAGEMENT LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am a consumer customer of US Bank XXXX XXXX XXXX XXXX US Bank has the highest interest bank affiliated credit cards. Consumers keep paying the cards interest as the bank sends out advertisements to trap the customers into using the cards to get money back as rewards without disclosing the trap of their high revolving interest rates. As an outstanding customer and a bank account owner I receive various advertisements for cash advance through the credit card line often. Us Bank sends out random checks to consumers enticing them to cash out advance checking loans. 
The advertisement says no interest for a year till XX/XX/ and they have different dates each time to allure the customers to quickly jump on the offer before it expires which is a scam to trap the consumers. 
What they dont say is the interest will be outrageous and immediate interest charges that are not disclosed as you start to use the money deposited in your account each time you take the money out there is a charge monthly. The checks dont have sufficient information on them because the push is No interest for a year. 
The cash advertisement is for {$15000.00} after the money was deposited into my account the representative made me to understand no charge will occur till XXXX XXXX  when the interest starts. My loan was for homeI renovations my plan was to use the money accumulate a lump-sum amount of the {$15000.00} and pay it back before the interest accrued. I realised they are taking some charge every month and when I asked the representative they said there is a monthly charge and did not explain why that information was not in the advertisement flyer attached to the check that they are asking consumers to deposit the amount needed for cash advance. 
Needless to say there is hidden catch not disclosed to the consumers and now they claim I owe {$11000.00} which is more than I owe when I count the monthly payments they have taken from my account already + the amount already paid off the remaining amounXXXX tax free should be less than what they claim I owe. The representative that I have spoken were uninformed and rude to me when I demanded answers. I called several and one had an infant crying in the background and she rushed me off the phone because she needed to attend to the baby. The other one answered while driving she cleared said she cant view the screen. One XXXX told me off the charges but could not respond to why this information is not communicating to the consumers before they commit to this disastrous endeavor.

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 2023-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: OK

Complaint narrative:
Predatory loan was told it was once a month payment its by weekly.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-01-06 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: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
No proper investigation. Tender of payment was received in the amount of XXXX Proof of tender sent 3 times. 
In accordance to FCRA XXXX  acct # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account information 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 explanation
Consumer complaint received 2023-01-06 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: GA

Complaint narrative:
I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the Thank you for your assistance in this matter, __________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the Thank you for your assistance in this matter, __________________________________

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

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation