vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment 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 explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Credit was pulled to open this debt. Open date XX/XX/, {$17000.00}, According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned etc.

Inaccurate amount owed Inaccurate account on credit report The car was damaged- total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MD

Complaint narrative:
XXXX is claiming I owe them money for 2 separate items purchased from a company called XXXX. This is ridiculous because I know for a 100 % fact that I have never purchased anything from a company called XXXX. I want proof showing this purchase was made by me. I looked up this company and it seems to be some kind of cell phone company or electronic items. I have cell phone service through XXXX and before that I was with XXXX XXXX XXXX for over 20 years. My cell phone I have is one purchased from XXXX XXXX XXXX when I was still with them. The only other electronic device I have is an XXXX which my wife bought me almost 10 yrs ago from XXXX. I am not going to be railroaded into paying for fraudulent charges. I have repeatedly told XXXX that I have not purchased anything from XXXX and have not used XXXX since purchasing and paying off my XXXX XXXX 5 years ago. I have the right to any information that XXXX used to determine my Identity Theft is not legitimate. These hackers are continuing to victimize people and I refuse to pay for their theft! Companies need to do a better job protecting customers from this craziness. I want my information blocked and my account with XXXX deleted. I was not aware there was even an account there. Again, I only used XXXX when I bought our XXXX XXXX  5 yrs. ago and I promise you I'll never use them again after seeing how easily they let someone else use my information to purchase something! A quick review of my credit will show you that I have worked very hard to establish my credit and I pay my bills. My past purchase through XXXX for the XXXX XXXX would indicate the same. This is not my purchase and is a result of someone hacking and using my information with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I haven't been able to get my credit report with XXXX and Equifax for a while and at the same time they keep reporting inaccurate information and misleading data. I tried to dispute those accounts online but they denied my access so I can't dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the eradication of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the eradication of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have negative items on my Experian report that are inaccurate and have been removed from both XXXX and XXXX as such, however Experian will not remove these inaccurate items and will not allow me to dispute further.

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 2024-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
Yamaha motor finance and one of their dealer ships ( XXXX XXXX XXXX XXXXXXXX GA ) have managed to get me again and put me and my family in a tough spot for making the mistake of giving them a second chance. Purchased a XXXX : Yamaha grizzly 700 ATV Ended up coming to a deal and figured they would not make the same mistake twice. I own and made on Time payments on ATV until it was picked up by a employee of XXXX XXXX on an agreement to sell the unit back to the dealer. We came to an agreement on numbers and I ended up selling the unit to them. They failed to send the check in time for payoff and they failed to send the check to the correct address for payoff and has negatively affected my credit once again. In XXXX I bought a Yamaha r1 and it took until XXXX of XXXX for it to come off of my credit and Yamaha to admit their fault I trusted that they had learned from the mistake before and I could do business again with them I was wrong. Pay off was sent so late that it dropped my credit score and constantly I am having Yamaha call me to make payments on a unit I no longer have. The level of disrespect and embarrassment they have put me through over these years is unacceptable. My credit is important to me and my family and not once but twice has Yamaha ran me over and not cared about nothing but the dollar that they already have in this situation.. I was declined on two different applications because of this nonsense and would like for it to be handled immediately Yamaha financial services should not be allowed to do business how they want when they want there are rules for a reason I made my payments in good faith and let them pick up the unit in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting 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: GA

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.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account last activity was XXXX not XXXX 15 U.S.C , 1681section 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 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 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE INACCURATE INFO

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 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, Receivables Outsourcing contacted me by telephone ( leaving a voicemail ), informing me of their intent to collect a debt. 

I do not believe I owe any debt, since I have received no unpaid medical bills, nor any notices of overdue payment. Therefore, if the debt is mine, I believe it was sent to collections improperly, by a provider which failed to notify me of the account. 

Following their initial contact, Receivables Outsourcing failed to send a written collections notice, as required within five days, under the FDCPA. ( After 36 days, it has still not been received. ) Multiple attempts to request validation of the debt, filed timely within 30 days after the initial contact, have failed : Letters postmarked XX/XX/XXXX and XXXX, XXXX, were undeliverable, because the business had listed its mailing address incorrectly, or failed to keep it up to date, in multiple directories ( XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ). 

I confirmed the businesss present address by telephone on XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, a third letter to this address, postmarked XX/XX/XXXX, was refused delivery by the addressee on XX/XX/XXXX, and returned to me. 

Therefore, I believe that Receivables Outsourcing is negligent in its communications, which has unfairly obstructed my right to obtain information about, and dispute, this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Items have been removed from XXXX XXXX XXXX, however Equifax refuses and will not allow further dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My money been stuck on my closed account of $ XXXX and chase keeps telling me that they are reviewing my account before they send me my cashiers check, and i keep asking what exactly they are doing and how long no one is giving me answers, I have missed two car payments and rent payments and i am currently living on a loan from a friend which is past due because chase is refusing to hand over my funds. Why do i have to go through this, my car has been placed on the repossession list and i am soo uncomfortable nowadays because i dont know when i might loose my car. I need my money and my life has been in shambles ever since because chase wants to hold my funds and when i call them they said it could take years, im not trying to wait a year to get my own money back that i worked for. My whole life right now is ruined and i request that my money be repressed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Credit was pulled to open this debt. Open date XX/XX/2017, {$17000.00}, Tried signing up with a Debt company to assist with the debt. According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned etc. 

The account has been open on my credit report for almost 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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I had a balance of {$3600.00} and the payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$3500.00}. which left a balance of {$120.00}. My XX/XX/XXXX, statement shows a balance of {$200.00} which includes a balance of {$120.00} and an interest charge of {$75.00} for carrying a balance of {$3300.00} on XX/XX/XXXX. 
I asked why I was carrying a balance of {$3300.00} on XX/XX/XXXX when I paid {$3500.00} on XX/XX/XXXX. They answered that they charged interest on the whole balance ( {$3600.00} ) which still does not explain why they are charging interest on {$3300.00}. 
I was expecting they would charge interest on the remaining balance ( {$120.00} ). I think there is an irregularity in the way they calculate the interest. I would like to have a better understanding of how they charged interest.

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have my social security check sent to chime bank account. I have tried for 3 days to move some of my money from that bank and I still have no money. I have done everything I know how to do. They have denied payment on any successful transaction. I have been doing this at lest 12 hours a day for 3 days. I have had some problems with this bank every month for the last 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Un-Authorized inquiries 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 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 2024-02-03 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
This is my notice of liability and intent to sue. 
Since XXXX and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on XXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA ASSOCIATE KEEP LIEING TO ME ABOUT A COULPE OF THING ONE IS I AM AN LLC AND I AM TRYING TO APPLY FOR A CRIDIT LINE OF {$50000.00} AND THEY TELL ME I DONT QUALIFY BECAUSE OF MY PERSONAL CRIDIT SCORE ANOTHER ISSUE I AM HAVING IS WITH MY OLINE ACCOUNT THE ORDER OF PAYMENT ARE MIXED AND NOT IN ORDER WITCH IS CONFUSING AND THE OTHER ISSUE I AM HAVING IS MONEY PAID TO THE CARD KEEPS CHANGING WITHOUT BEING SPENT.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
all three bureaus are committing a direct violation of the fcra by blocking the consumer from their own identity this is also known as credit slander, defamation of credit, credit blocking and theft of identity.

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