vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action.

15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

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 2022-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

Credit systems There are XXXX  accounts with this collection agency 15 U.S.C. 1681 section 602 A. States I have to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer re
porting agency can not furnish a account without my written consent.

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 2022-04-17 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: AL

Complaint narrative:
The car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: CA

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 U.S.C 1681. 

XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-17 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: AL

Complaint narrative:
The car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year

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 2022-04-17 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
The car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XXXX a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

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 2022-04-17 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: MD

Complaint narrative:
I checked my credit report and i noticed inquires on my credit report that die snot need to be on my credit report. I don't recognize the inquires and I never gave permission for anyone to preview or check my report on Transunion. These inquires are unauthorized and according to the FCRA these inquires should not be on my credit profile if i did not give consent and I never gave consent ( 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ) These inquires do not have my permission to be on my report ( 15 U.S.C. 1681b ( a ) ( 2 ) ) and my rights to privacy has been VIOLATED ....

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 2022-04-17 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: FL

Complaint narrative:
I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.

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 2022-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.

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 2022-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2022-04-17 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1- XXXX XXXX XXXX XXXX Account # XXXX 2- XXXX XXXX XXXX Account XXXX XXXX Has violated my rights.

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 can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1- XXXX XXXX XXXX XXXX Account # XXXX 2- XXXX XXXX XXXX Account XXXX XXXX Has violated my rights.

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 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 2022-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Vehicle was repossessed and/or sold by the lender. The negative amount still remains on my credit report. Most recent modification made was in XX/XX/2022 by the finance company. The amount seems to change and that how I'm made aware of the modifications by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  the following accounts/inquiries has violated my rights, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 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 2022-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
One of the first and most glaring issues is in relation to the underlying contract signed by myself, XXXX XXXX, and my daughter, XXXX XXXX. On XX/XX/XXXX, believing the contact at hand was final, we took possession of the XXXX  XXXX XXXX. According to XXXX XXXX of XXXX- on XX/XX/2021 we needed to return to sign another contact as the contract at hand was not final and that XXXX  required a three year maintenance warranty to complete the transaction. This was an obvious attempt at tie-in-selling for a lower payment ( Anti-Trust ) and was part of the spot delivery scam being executed by the dealership. 

As indicated while on the phone, all of which are recorded conversations, we did not want an additional warranty nor the original extra care warranty. It appears, from XXXX XXXXXXXX account XXXX, those wishes were not honored. Shortly after refusing to sign more paperwork, XXXX XXXX texted that the payment was lowered to {$800.00} and we would need to sign new paperwork... again. Sometime thereafter on XX/XX/XXXX the account became {$810.00} with the warranty tied in to the price. 

During the phone conversation on XX/XX/2021 the money factor / interest rate was requested numerous times and those requests were refused. A full payment breakdown was refused because it would require too much time to print off. To date we have never seen the final documentation and XXXX XXXXXXXX claims XXXXXXXX XXXX  is in possession of the warranty documentation. 

It has also come to my attention during the investigation of these issues that the trade in vehicle was undervalued by nearly {$3000.00}. The vehicle trade was based on BASE MODEL pricing, but the vehicle, which is evidenced by screen-capped and recorded sales offerings on various websites including XXXX XXXX pre-owned wesbite, was sold as the XXXX  MODEL. At this time the vehicle has been sold for {$17000.00} according to the BMV online. 

This entire transaction has been a farce. The documentation provided at the dealership had no proper notice of cancellation and no rights were given to alter the transactional documents without approval. There are also multiple forged signatures on the warranty and contract provided by XXXX 

We have tried for months to get the dealer and lender to correct the issue, with the dealer offering to pay for " months '' of the lease, but that is in adequate given that the loan is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: GA

Complaint narrative:
N accordance with the Fair Credit Reporting act 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 2022-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NC

Complaint narrative:
TrueAccord reached out to me to pay a debt to XXXX. they offered a discount with just removed their fees. I paid the amount in full and it's been over 30 days and they have not paid XXXX for the debt. XXXX stated they have not recieved payment and the company has stopped returning my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX XXXXXXXX XXXX bankruptcy  has violated my right 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 Its also stated consumer reporting agency without my written instruction

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 2022-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
on XX/XX/XXXX my purse was stolen which included direct express card. i contacted direct express and they told me i need to submit an id to receive my card. i did not have an id bc my purse was stolen. i since then aquired all identifying markers i.e birth certificate, divers license and social security card. i submitted all to them. and they refuse to issue me a new card. their excuse is the name on my birth certificate does not match my dl.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  the following accounts/inquiries has violated my rights, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX 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 2022-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Systems International, Inc.
State: TX

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.

Credit systems There are 6 accounts with this collection agency 15 U.S.C. 1681 section 602 A. States I have to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: WA

Complaint narrative:
XXXX  credit reports are different when compared with my equifax and XXXX is completely different compared to other two. 

I do not have any closed accounts and still these credit reporting companies show as closed accounts XXXX  - inaccurate information on my credit XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXX XXXX XXXX. XXXX XXXX  Equifax - inaccurate information on my credit report XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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