vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 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: TX

Complaint narrative:
I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with Trans Union, XXXX, and XXXX. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXXwo-Year Payment History status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with Trans Union, XXXX, and XXXX. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : Trans Union XXXX XXXX Date Opened : : : XXXX XXXX XXXX Date of Monthly Payments : XXXX XXXX XXXX  Last Reported : XXXX XXXX XXXX  Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XXXX XXXX XXXX Date Last Payment : XXXX XXXX XXXX Two-Year Payment History : Trans union XXXX 30 day late XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 30 day late : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.

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 2022-10-30 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: GA

Complaint narrative:
XXXX and Equifax is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
So on XX/XX/2022 my bank account was charged {$30.00} on a supposed XXXX to Fortiva. AS per my previous complaints I paid off this credit card... they claimed payments were reversed by my bank which they were not. Previous to this date I had pulled my permission to charge my account for any reason via a telephone call on at least two occasions in the previous week... .I was told my account was closed over a year previous after I had made payments again totalling approx {$380.00} thus having made these payments twice. Now over a year later they are claiming these same payments were reversed again.. I'm not playing this game anymore!. So on XX/XX/2022 I get a letter seemingly to appear an account was opened in my name by this company to start charging again late fees and interest... this again was without my consent ... .I paid off this account ... funny how I am 100 % on time for every other bill and credit card I have except these people... I demand an investigation of their computer system I believe it's buggy and faulty. I am not the only person who has had this issue with their app and card... read the reviews

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Michael Wayne Investment
State: PA

Complaint narrative:
Back in XXXX, my wife and I went searching for a vehicle as she needed transportation to take my XXXX  son to various XXXX. The sales guy there was extremely pushy with my and I, his assistant was extremely rude toward my son even making a remake about my son who was crying. This was all driving up my XXXX  trying to just get out of there. The sales guy ran both of our credits and said only I can sign for the vehicle, printed out a spreadsheet and showed us those vehicles. Then he only spoke with my wife, practically ignoring me until it was time to sign the paperwork and was basically hurrying me not really letting me review the paperwork. 

What they didnt tell me is that car loan was for more than what the car value was worth. I dont even know how that is possible with a car loan as it was a car 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 explanation
Consumer complaint received 2022-10-30 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: GA

Complaint narrative:
Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from 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 2022-10-30 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: GA

Complaint narrative:
Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from 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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is to inform the CFPB that Experian and XXXX are being uncooperative in removing an old account that was sold to another debit buyer. 
The XXXX XXXX XXXX  has sold the following accounts to XXXX XXXX. Account number XXXX. 
Partial account number XXXX When a consumer has multiple collections for the same account listed on their credit report it is considered double jeopardy. This can happen when the debt is being reported by both the original creditor and the collection agency on your credit report or when the debt is sold to another collection agency. By law, this is considered fraud. And Experian and XXXX are enabling this illegal act.

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 2022-10-30 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: WA

Complaint narrative:
I faxed Experian 9 different credit disputes on XX/XX/2022 on XX/XX/2022 they emailed me that the investigation had been completed. 
Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.

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 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA, In XX/XX/2022 I had deposit money orders in my checking account due to the fact I live TN and can not deposit cash into USAA Atm in the area and paid my bills for them to only hold my money orders from XXXX XXXX and my bills bounced causing fees that Ive keep accumulating. They said they cant wavie fees. Been a customer for XXXX and still take advantage of veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FCC Finance, LLC
State: FL

Complaint narrative:
In XXXX, a home improvement loan was taken under my name fraudulently from a property i have never owned!!!. In XXXX XXXX FCC Finance reported a debt without even contacting me first or trying to reach out to validate this debt. I disputed with XXXX and submitted a police report, identity theft reports and etc. To this day, my credit score has been significantly lowered and in result of that i have had losses ( credit limits lowered ). FCC finance is not sending me the original contract. I hired legal services and intend to file a lawsuit to all parties involved for my damages and tarnishing my good name. FCC Finance should have not reported a fraudulent debt to XXXX. How could a loan be issued for a property i never owned? Why was this loan never reported for 7 years?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is to inform the CFPB that XXXX and Equifax are being uncooperative in removing an old account that was sold to another debit buyer. 
The XXXX XXXX XXXXi has sold the following accounts to XXXX XXXX. Account number XXXX. 
Partial account number XXXX When a consumer has multiple collections for the same account listed on their credit report it is considered double jeopardy. This can happen when the debt is being reported by both the original creditor and the collection agency on your credit report or when the debt is sold to another collection agency. By law, this is considered fraud. And XXXX and Equifax are enabling this illegal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or around the summer of 2021 I opened a Home Depot credit card and project loan card. I purchased kitchen cabinets. I was offered 18 mos zero percent financing at the time. I made the purchase of the cabinets in XXXX of 2021 and after a few months of getting my bills I noticed it said six months for the expiration date of the offer. I realized something was wrong. I called both the store and the issuing bank of the card and told them I was supposed to get 18 months and I only got six. The bank changed it to the 18 month offer. I have no idea how this mistake occurred. About five months ago, I applied with the bank to see if I can get it extended. I realized that there was no way I was going to be able to pay off this purchase in 18 months. It is over {$9000.00} originally. I was denied. They told me I didn't qualify because I had already extended it. I said, no I did not. When? They were referring to the error, the six months to the 18 months. I said but that was an error. That was not an extension. I was supposed to get 18 months originally. Someone made a mistake. Period. Either the store, someone did. I know what I was offered and they for sure have 18 month plans. All the time. How could they even try to deny it? So, now, because of that original error, that went against me and I can't extend the terms.

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SinglePoint GI
State: ME

Complaint narrative:
I regularly check my credit reports and noticed that XXXX is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, General Revenue Corporation, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why XXXX allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from General Revenue Corporation within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
In XXXX, a home improvement loan was taken under my name fraudulently from a property i have never owned!!!. In XXXX XXXX XXXX  XXXX reported a debt without even contacting me first or trying to reach out to validate this debt. I disputed with Transunion and submitted a police report, identity theft reports and etc. To this day, my credit score has been significantly lowered and in result of that i have had losses ( credit limits lowered ). XXXX XXXX is not sending me the original contract. I hired legal services and intend to file a lawsuit to all parties involved for my damages and tarnishing my good name. XXXX XXXX should have not reported a fraudulent debt to Transunion. How could a loan be issued for a property i never owned? Why was this loan never reported for 7 years?????

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 2022-10-30 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Paid my credit card within 30 days and truist reported it late. This is the second time they have had a system issue that failed to credit payment on time when paid. It is showing late but was not 30 days late on my credit I have proof

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 2022-10-30 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: VA

Complaint narrative:
Paid my credit card within 30 days and XXXX reported it late. This is the second time they have had a system issue that failed to credit payment on time when paid. It is showing late but was not 30 days late on my credit I have proof

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I regularly check my credit reports and noticed that Transunion is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, XXXX XXXX XXXX, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why Transunion allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from XXXX XXXX XXXX within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged account.

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 2022-10-30 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: TX

Complaint narrative:
XXXX  continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.

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 2022-10-30 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: TX

Complaint narrative:
XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX  and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: U.S. BANCORP
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, US Bank account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on an open end consumer credit plan as late for any 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