vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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 account # XXXX Account Name : 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 section 604 A Section 2 : it Also States a consumer 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 2022-06-15 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 account number 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 2022-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-15 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 account # XXXX Account Name : 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 account # XXXX Account Name : 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 section 604 A Section 2 : it Also States a consumer 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 2022-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Innovate Managed Holdings, LLC
State: CA

Complaint narrative:
Back in XX/XX/XXXX I refinanced my used vehicle XXXX XXXX XXXX. My previous lender was XXXX XXXX XXXX. 
New lender was XXXX XXXX XXXX XXXX XXXX XXXX ). Literally the same day I signed the contract I received notification from XXXX that my loan is being assigned, sold or transferred from XXXX to XXXX XXXX with servicing to be provided on their behalf by Innovate Loan Servicing Corp. ( with the same terms and conditions ). 
Beginning XX/XX/XXXX I started making payments to XXXX XXXX. 
I have made total payments in the amount of {$3500.00} ending in beginning of XX/XX/XXXX when I again refinanced my car to XXXX XXXX XXXX. 
The reason I decided to refinance was to lower XXXX more than with XXXX, where it was about 1 % down - now my XXXX was decreased from almost XXXX to 6.49 % XXXX. 
Just paying your attention for one detail : when refinanced with XXXX they put my employment as XXXX XXXX with unknown company despite I put XXXX ( XXXX and XXXX ) in application as my primary and only source of income. 
When switching to new ( latest ) lienholder from XXXX XXXX XXXX XXXX XXXX loan was funded by XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX paid to first XXXX ( XXXX XXXX XXXX  ) when I refinanced {$25000.00} ( payoff amount ) When refinanced with XXXX - they paid {$24000.00} to Innovate. 
My total loan balance decreased for less than {$1000.00} despite I paid to Innovate ( XXXX ) {$3500.00} for the period of 7 months with simple interest rate of 10.98 %. 
I suspect I have had usury loan from XXXX ( Innovate ) with hidden fees and charges. 
I also had GAP Contract with XXXX ( Innovate ) that must be cancelled when refinanced. And now I have new GAP Contract with new lender XXXX. 
I have contacted multiple times with Innovate ( XXXX ) recently by email ( messages ) and by calling them regarding getting refund for cancelled GAP. 
Regarding GAP  refund I was told by GAP  company ( https : XXXX ) I need to contact seller, i.e.Innovate. When reached GAP by phone they confirmed my GAP contract # and was then told I have to call them different time about refund cause they are not available. It's like the circle ... completed... 
When I asked Innovate ( by phone ) about loan charges they responded like refinance loans always work this way - more money goes to interest. 
Was it like I wasted my money paying off the loan that after 7 months of payments I owe almost same amount when car value drops much faster?! 
Also I want to add that as for today as seen from XXXX payment page it still shows my next payment due is on XXXX, despite loan was refinanced and they received payoff payment from XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 account # XXXX Account Name : 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 account # XXXX Account Name : 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 section 604 A Section 2 : it Also States a consumer 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 2022-06-15 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX BANK 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts

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 2022-06-15 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WISCONSIN, XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts

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 2022-06-15 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: NJ

Complaint narrative:
I have been in contact with company since XXXX of 2022, company was supposed to remove late payment from credit report when account was in current. Account is current and still reporting late information.

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 2022-06-15 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: TX

Complaint narrative:
This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit

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 2022-06-15 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: NJ

Complaint narrative:
I have been in contact with company since XXXX of 2022, company was supposed to remove late payment from credit report when account was in current. Account is current and still reporting late information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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:
This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit

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 2022-06-15 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:
This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This morning i checked my XXXX XXXXXXXX XXXX XXXX when a new inquiry For jpmcb card appeared on my account from XX/XX/XXXX. I never applied for a card through them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, XXXX, Experian speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX  in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, XXXX, Experian is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.

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 2022-06-15 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: NC

Complaint narrative:
On XX/XX/2022 I received another alert on my credit. Equifax put numerous comments it said on my credit report sense I started the complaint with Consumer Financial Protection Bureau. The comments that they put on my report cause my credit to go down XXXX points. They could not have done an investigation, it only took them 2 days after I filed the compliant to lower my score XXXX point. I am not a genus when it come to the credit bureau world but I know that can't be legal. I have a right to change the mistakes and fraud on my credit report. 
I have read that Equifax has had some coding issues but this is not right to attack my credit report due to my complaint. 

Filing a dispute should have not impact on my credit score but it did with Equifax. This is improper usage of my credit. 

If seems to me that Equifax is retaliating against me due to the errors and things that they knowing put on my credit report and I simply request that it be removed. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
All contact listed below was done via phone ( customer service ) XXXX. 
This charge is billed to my account either by fraud or error. 
{$50.00} is now on my account. I state that this charge is not valid and ask how charges can be made on an account that card was shut-off? I get no answer to this, but am I told that Capital one will review this charge. I receive a form letter on XX/XX/XXXX dated XX/XX/XXXX that case XXXX has been reviewed and that insufficient evidence of fraud is present on this change and I am responsible for the {$50.00}. I call once again on XX/XX/XXXX and explain to XXXX ( the person that I am speaking to on this call ) that I have made no purchases with I contacted your company ( Spoke to XXXX ) on XX/XX/XXXX about this account and an XXXX in the amount of {$320.00}. 
I asked that the card be shut-off so no charges could be made on it and after review was complete to have the account closed I was transferred to the disputed department and I spoke to XXXX who started investigation ( case # XXXX ). I was told that someone would call me back to confirm that account was closed and they would review the {$320.00} charge and notice would be emailed or mailed to me. On XX/XX/XXXX I receive another statement with now a zero balance but no information about closing account. I called on XX/XX/XXXX spoke to XXXX and she tells me that account is still open and a charge on this card in XXXX, the last charge was for NY XXXX pass on the last day of the year in XX/XX/XXXX. I was then transferred to XXXX to have this account closed and asked that all material related to this charge sent to me with confirmation that account is closed. 
As of todays date all I have received is current statement. 
I want to see details of shipping and invoice for items related to case ending in XXXX. 
This charge to my account is an error and I want this removed.

Company response to consumer: Closed with explanation