vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
There is an installment account that is reporting an incorrect account status, incomplete payment information and an incorrect balance. I have asked the credit bureau to provide verification to show proof by providing me with the original contract signed and dated by myself with an ink signature along with my statement history and I still have not received it. Yet in still this account has remained on my credit report damaging my credit worthiness to other creditors. I submitted several disputes about this account with Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also filed a complaint on the CFPB website on XX/XX/XXXX and I have not received a resolution. If you look at the payment history for this account on my report it reads it was placed in collection on XXXX of XXXX. If that is true how is it on XXXX of XXXX it begins to read as an open account and is 120 days past due up until today. In XXXX my report stated the balance was {$19000.00}, now the balance has been lowered to {$13000.00}. This clearly indicates there was a discrepancy in what was reporting however, Experian never sent anything to say why the balance was changed, show proof the balance that is reporting is in fact correct or explain how an account changed from closed to 120 days open after 3 years and 8 months. I have pictures to upload the dates and responses from the disputes along with what is showing on my report. I am requesting this account to be removed completely from report as it has done tremendous damage to my credit for 6 years now.

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 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Barclays Mastercard closed my account without my knowledge on XX/XX/2022 charged me an annual fee of XXXX. XXXX in XXXX of 2022, took my XXXX award points and miles, charged me XXXX dollars in late fees. This is consumer abuse and fraud at its finest. I am shocked that a company the size of Barclay would stoop to this level considering I have been a loyal customer for so long. I contacted Barclays on XXXX, XXXX, 2022 in hopes of resolving this matter. I spoke to a representative and a supervisor and neither of them seemed interested in assisting. Needless to say I am appalled, shocked, and disappointed in the lack of ethics displayed by Barclays business practice. Furthermore, I am wondering how many other consumers have been on the receiving end of this unethical practice. It is estimated that this practice has cost me close to XXXX dollars in award points and monetary value.

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 2022-07-14 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 Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX bank 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

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 2022-07-14 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX bank 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 : XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions.

15 U.S.C 1692C 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. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections 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  Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : 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 EQUIFAX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # XXXX, 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

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 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
My husbands mother passed away in XX/XX/XXXX. She did not have life insurance or a final expense policy so we became responsible for paying the funeral costs to lay her to rest. My husbands stepfather could not get a loan because he had terrible credit so his sister agreed to sign for a loan from One Main Financial. She wasnt able to get the credit without collateral and she had nothing to secure the loan with, so my husband co-signed. When he agreed to put up his car as collateral, a XXXX XXXX XXXX XXXX, the loan officer talked him into replacing the XXXX with our XXXX XXXX XXXX XXXX, my only vehicle, even though I knew anything about it. The loan officer explained that my XXXX  was worth more than the amount of the loan and would cost less to repair if they were to repossess it due to non payment. My husbands stepfather agreed to repay the debt and made payments every month until he passed away in XX/XX/XXXX. I never agreed to pay the loan or to put up my only car as collateral but the lender repossessed it a few months after he died. Now theyre sending me threatening letters and charging me XXXX  in interest 6 months after repossessing my car and selling it for {$4000.00}. I was never informed of the time, date, or location of the auction where my XXXX  was being bid on and that was my legal right to know. I think the debt needs to be changed from outstanding interest charges accruing daily to settled in full because the lender got more money from the auction than the remaining outstanding balance of the debt. It shouldnt be possible to use one persons vehicle as collateral on another person 's debt without the vehicle owner giving permission or even knowing it was happening. I want the debt settled or else this place needs to be stopped. They prey on grieving family members who cant afford to bury their mother. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 15 use 1681b section 2, the consumer reporting agencies can only furnish a consumer report under the written permission of the consumer whom it's relating to. My permission was not given. This is aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2022-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS Has been lying to me about several issues and Im having problems with my loan because of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2022-07-13 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: WI

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 15 USC 1681 SECTION 602 ( A ). STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ), section 2 : it also states : A consumer reporting agency furnish a account without my written instructions.

I did not give anybody written instructions for these transactions.

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 2022-07-13 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: WI

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 15 USC 1681 SECTION 602 ( A ). STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ), section 2 : it also states : A consumer reporting agency furnish a account without my written instructions. 

I did not give anybody written instructions for these transactions.

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 2022-07-13 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: NM

Complaint narrative:
In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 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 an account 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 2022-07-13 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: WA

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-13 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: CA

Complaint narrative:
Incorrect personal information on my credit report and old addresses. Can you remove all personal information and addresses

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 2022-07-13 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: VA

Complaint narrative:
I have MULTIPLE issues with Equifax to provide. 

1. I sent Equifax the required documentation pursuant to 15 USC 1681c-2 ( a ) and they decided to completely ignore what I sent and stated that they were " factual ''. They also told me that I would have to reach out to the " creditors '' directly when it the FCRA CLEARLY states otherwise.

2. I sent Equifax MULTIPLE letters requesting that they update the date of birth they had listed for me as it was inaccurate and they were actually sent ID to prove that what they had on file was incorrect. It took me filing a complaint through the CFPB for them to update the information. 
3. I opened a disputed with Equifax in reference to XXXX XXXX XXXX and they stated that the account was a matter of " factual record '', but they never provided me with the description of the investigation AND when I pulled my most recent consumer report, that item is no longer on there. They failed to notify me of the reinvestigation results. 

Equifax is clearly showing that they are not willing to follow their grave responsibilities pursuant to the FCRA and they will do it at the consumer 's expense. They have violated my rights more than ONCE and the above listed occurrences are just a FEW. As a consumer reporting agency, you have assumed a vital role and you are continuing to fail. You were never provided written instructions to furnish my report, but yet, you are doing so inaccurately and obtaining money for doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: WI

Complaint narrative:
After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX, were being reported as past due, I contacted XXXX XXXX XXXXXXXX XXXX in order to have the incorrect information corrected. I contacted their customer service in XXXX, XXXX, XX/XX/2022 and XX/XX/2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via Transunion, XXXX and XXXX without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.

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