vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 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: NJ

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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 explanation
Consumer complaint received 2022-07-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal they also violated my rights under 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 2022-07-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal they also violated my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
My ulta card by comenity was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. Comenity claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. Comenity has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I been trying to apply for a credit with capital one they keep on telling that they can't do business with me. They blacklisted me from applying. I had a car loan with them XXXX to XXXX I paid that off with no problem. I never was late. I am wanting to know what is the problem I spoke to employees they don't understand why I an being black listed I do not owe them people at. I want thorough proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: OR

Complaint narrative:
My XXXX XXXX  by XXXX  was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. XXXX claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. XXXX  has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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: OR

Complaint narrative:
My XXXX XXXX  by XXXX  was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. XXXX claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. XXXX  has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My XXXX XXXX by XXXX was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. XXXX claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. XXXX  has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX Yamaha Motor Finance CFO , because of your agent ( s ) ignorance of the law, will result you in being fined under Federal Law. 

In CFPB Complaint ID XXXX CFPB Complaint ID XXXX Yamaha Motor Finance stated the account was not closed, and the balance remains due. 

However, as dated XX/XX/XXXX, I, XXXX XXXX, Consumer, am aware that Yamaha Motor Finance has closed my account without my lawful consent. 
Transferring another persons identifying information without lawful authority is in fact aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) which was willfully and knowingly committed by Yamaha Motor Finance and XXXX XXXX D/B/A Yamaha Motor Finance CFO shall be fined. 

Because of your agents ignorance of the law XXXX XXXX D/B/A Yamaha Motor Finance XXXX  , I XXXX XXXX XXXX, am holding you accountable and you will re-open my account and update status with Consumer Reporting Agencys expeditiously. 

Yamaha Motor Finance stated the account is XXXX  days past due with a balance of {$13000.00}. On XX/XX/XXXX, the account balance was charged off for not receiving payments however, the account was not closed, and the balance remains due. 

However, As dated XX/XX/XXXX, Yamaha Motor Finance is currently furnishing to my Consumer Report that my account is Closed and Charged off if my account is not closed as Yamaha agent mentioned earlier, this is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations because you are furnishing it as Closed.

Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) - Billing error resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

As Im aware Yamaha Motor Finance has violated The Truth In Lending Act pursuant

to 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon. The Finance Charge is a sum of all Charges payable directly or indirectly According to The Truth In Lending Act 15 U.S. Code 1605 ( a ). Therefore theyre shouldnt be any balance of {$13000.00} past due being furnished on my Consumer Re
port. Yamaha Motor Finance is in violation!! 
I will be putting your State Attorneys General on notice and CC this to the IRS as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: PA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX I did not request anyone working for these companies to conduct any inquiries or view my credit report. Furthermore, I did not give Transunion permission to include this information on my credit report. This is a violation of Section 1681b ( c ) of the Credit Reporting Act, which constitutes fraudulent activity, as well as a serious violation of my privacy rights. Please confirm this information with these companies and send me copies of any documentation associated with these accounts that bears my signature authorizing an inquiry. 
I also demand that Transunion produce a contract between you and me, the consumer, with my signature, indicating that I granted you permission to provide any information on my behalf. 
In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be removed from the credit file you keep under my Social Security number immediately. 
Please keep in mind that the Fair Credit Reporting Act section 611 gives you 30 days to produce the requested contract and complete this investigation. 

XXXX : XXXX : XXXX { Agent/Beneficary } All Natural Inalienable Rights Are Reserved Without Prejudice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Last XX/XX/2021, I was on vacation. I purchased a ticket for connecting flights and it was on sale. First, I looked at the schedule and price before I purchased it. But after I paid for it the schedule wasnt the same before I purchased it. So I called the company and they said that the ticket was non- refundable. That day, they said that there was a glitch in their computers. I was disappointed. I called my credit card company and explained what happened. The person on the phone said its ok to dispute the charge later. So I disputed the charge and it took a long time to go through. At first it was approved and then later needing more information. So I did, i have been calling and to find out what is going on with the dispute. It finally disapproved. I was really disappointed. Anyway, I called them and negotiated but I was refused, they wanted me to pay all late charges and interest. I only would like to pay the ticket amount {$220.00}. So I said I wont even talk to these people and just waste my time. As of today they have been calling me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Auto loans or leases Total balance : {$16000.00} TOYOTA MOTOR CREDIT Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with Toyota XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle. 

To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached. 

I called Toyota XXXX Friday, XX/XX/XXXX to find out why the Toyota loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. Toyota XXXX Loan is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXX, NV to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I ordered phones through XXXX XXXX XXXX. They sent me out an extra phone which was never activated nor opened. They even created a new account under my name for the said account. I attempted to call to rectify the situation with a call center representative, but the representative claimed that they couldn't see the account at which time I was transferred to a manager. Upon talking to the manager I was told that I shouldn't have been charged and that the account would be closed and all charges canceled. I looked at my credit report and the debt has been transferred to a debt collector. This collection has caused some creditors to lower my credit limit and impacted me negatively. If this account isn't removed promptly I do intend on seeking legal action and recovery against XXXX XXXX XXXX and the collection agency reporting the account on my credit profile. As this account is fraudulent and I never authorized a new account to be opened in my name this account and balance was supposed to be null and void. XXXX XXXX XXXX received the phone prior to XXXX XXXX, XXXX. I called to verify and was told it would be handled immediately. I contacted the debt collection agency and they have taken no action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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: TX

Complaint narrative:
XXXX Accounts ( one for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ) were paid in full ; Agent stated it would be removed from credit report upon payment. 

Account was not removed ; status showing open when it should be closed and removed from report. 

Filed a formal dispute, investigation was not truly followed as upon completion, it was still reported with mismatches. Showing open on XXXX and closed on Transunion. Also, with erroneous and mismatched open dates. 

The below laws are being violated : ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

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