vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/2022 I noticed that my credit score had dropped, which is unusual because I've had a perfect credit report for more than 7 years. I looked further into this to see that an unauthorized charge went unpaid on my Citibank credit card that I don't use. Because it was a late payment, I had late fees roll over and Citibank reported this to the 3 credit agencies. I called Citibank to dispute the charges, and they agreed to remove the charges and late fees ( see attached credit statement showing my balance return to {$0.00} ). However, Citibank is still reporting to the 3 credit agencies that I have a 60-day late payment, which has negatively affected my credit almost by XXXX points. I have tried to dispute this with Citibank and all 3 credit agencies two times, but this is remaining on my credit report, which has an incredibly negative impact on my financial life. Citibank is claiming the information is correct, even though they already refunded me the unauthorized charges and late fees. Because these unauthorized charges and late fees were refunded by Citibank, this should also be removed from credit reporting and return my credit to its previously excellent standing.

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 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
XXXX account was cancelled in XXXX, yet collection agency is trying to say the debt is from XXXX. They are falsely renewing the debt every couple of years. This has to be illegal and has caused undue hardship 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 explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My husband and I financed a car with Credit Acceptance Corp and we believe that we were lead into a misleading loan. We are paying 22.99 % percent, {$390.00} a month for a used XXXX XXXX XXXX that at the time had XXXX miles. When we brought it at the dealership we remember it saying {$9900.00}. We put down {$1000.00} and we still have to pay {$390.00} for 51 payments. After reading complaint after complaint regarding Credit Acceptance from its consumers as well as seeing that they have been sued by Mississippi and had to pay for their deceptive practices and also with New York Attorney General and CFPB for misleading consumers into loans they could not afford by practicing churning and deceptive loans. We also believe that we were wronged. Our loan is 51 months, and the interest has made the car over {$4600.00} dollars more than the value of the car {$4400.00}. We have already paid {$11000.00} which is more than the cost of the price on the car {$9900.00}. We feel misled putting down {$1000.00} still having to pay {$20000.00} for 51 payments. And how a car that is {$4400.00} blue book value ended up being financed with a total cost {$21000.00} and We are stuck with this loan for a long time. I always thought this loan was confusing and complex with contracts hidden inside of the contract with a financed charge for each contract XXXX XXXX which is a warranty contract for {$1600.00} with a term of 24 months and XXXX XXXX {$1100.00} for 51 months are two contracts hidden within a contract which makes this a complex contract that can not be understood by the common consumer. It took us years to understand our contract along and we still dont fully understand it but we know we have been misled. But it seems like my Loan has barely gone down even we have paid {$11000.00} almost 3 times the actual value of the car. I reached out to the New York Attorneys office who is currently suing Credit Acceptance Corporation along with the Consumer Financial Protection Bureau. I have complained several times without a real resolution and fear that Credit Acceptance Corporation will not really investigate our case but just throw out what we are saying just like they have dismissed us in the past. We would like someone else to reevaluate this loan. Credit Acceptance Corporation has destroyed our credit and we are currently unable to get a home for our family because of 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
Consumer complaint received 2023-03-18 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 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, Account # XXXX, Account # XXXX, Account # 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 explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was charged a minimum interest charge of {$0.00} from Citi credit bank even after making all the payments in full for the transactions before the due date.

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 monetary relief
Consumer complaint received 2023-03-18 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: PA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 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 2023-03-18 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: PA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2023-03-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor JPMCB CARD has violated my rights in 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an a account without my written instructions. Under 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: NY

Complaint narrative:
In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or 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 non-monetary relief
Consumer complaint received 2023-03-18 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: NY

Complaint narrative:
In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or 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 2023-03-18 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: MA

Complaint narrative:
Transunion continue to report incorrect information to my credit file. 
1. They have allowed two ( 2 ) collection accounts to be posted with no account name, original creditor and status. If the collection that show a balance of {$1100.00} is a collection, then they have allowed the data furnisher to violate my consumer rights under the FDCPA Regulation F. I do not know who this is and what this is about. 

2. The second account has no information such as account name, original creditor, dollar amount. It clearly show that I have disputed this but it has not been resolved.

3. They have also allowed a student loan with a payment history reporting that is incorrect. I've disputed this account before with no response. I have paid this account off, it was not transferred as indicated under the " comments '' section. 

4. They are allowing to be reported a Dept of Ed account showing as a " Collection '' I do not have any outstanding collection accounts with the Dept of Ed. Please investigate this.

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 2023-03-18 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: NJ

Complaint narrative:
This company has failed to notify me in writing within 5 business days that a reinsertion information on my consumer report. This information was removed in a prior date and as part of my consumer right I should be notified before any information get reinserted on to my consumer report accord to 15 USC 1681i ( 5 ) ( b ). A failure of this is in violation of my consumer rights. XXXX XXXX XXXX is the information that has been reinserted on to my consumer report. Please provide proof of documents that writing was mailed 5 business days within this information was reinserted on my consumer 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 2023-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
Advance America allowed a fraudulent loan ( # XXXX ) to be taken out online on XX/XX/XXXX. Information given was all incorrect phone number, address, and employer. They did not verify anything correctly. The money was transferred to a XXXX XXXX account ending in # XXXX. Advance America then turned the unpaid loan balance into a collection agency in XXXX of XXXX called XXXX XXXX XXXX. They also have completely false information and can only match my name, and old street address from over 30yrs ago. This was fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
I purchased furniture from XXXX back in XX/XX/2020. They delivered the products as I paid in full. I have the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-03-18 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: MI

Complaint narrative:
XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXX.Had a {$0.00} balance. Only used this card couple times a year. XX/XX/ late fee {$11.00} + {$1.00} interest charge. XXXX {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately XXXX XXXX emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around

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 2023-03-18 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: MI

Complaint narrative:
XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXX.Had a {$0.00} balance. Only used this card couple times a year. XXXX  late fee {$11.00} + {$1.00} interest charge. Balance {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately XXXX XXXX emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: MI

Complaint narrative:
XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXXHad a {$0.00} balance. Only used this card couple times a year. XX/XX/ late fee {$11.00} + {$1.00} interest charge. Balance {$23.00}. I believe it was XX/XX/ when I noticed the fraud. I made no purchases and unfortunately XXXX Bank emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around

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 2023-03-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I report my card stolen and lost. 
But Fortiva credit card still charging me money on credit card that was stolen and used the amount of XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: MA

Complaint narrative:
Equifax continue to report that an account that was paid was a " Collection. '' The " account type '' is being reported as a " Collection Account. '' There is no terms, past due amount balance or original balance to negate this dispute.

Company response to consumer: Closed with explanation