vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: CITIBANK, N.A.
State: RI

Complaint narrative:
I had an old AMEX account that had very low odd balance of XXXX dollars. This was somehow not paid before closed account and i had moved and did not realize as such. I tried to pay this amount to AMEX and as account was closed they would not accept payment and account was told to be charged off. But has been negatively effecting score for years and been trying since XXXX  to remove this form reports with no results. 

I recently reported a dispute with all three agencies being XXXX, XXXX and XXXX This XXXX dollars still shows on my report as a balance and is negatively effecting my credit. Please please help.. I can not get this off report. I have tried my best to have this removed and the credit agencies will not assist and remove from report. 

Please see my XXXX most recent reports with companies and if see page XXXX on XXXX report shows amex account balance of XXXX dollars. XXXX report has account on page XXXX and XXXX account is listed on page XXXX. This is just insane that this XXXX dollars is negatively impacting credit and I can not pay it or have it resolved

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 2022-11-08 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: NY

Complaint narrative:
The following issues are incorrect : : - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been charged off since XXXX and Experian in conjunction with XXXX will not do they're due diligence, properly investigate or update my credit file properly. Experian is still reporting negative items pertaining to this account on my personal credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount - 24 Month Payment History

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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

certified.

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 2022-11-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2022-11-08 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: AL

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( TransUnion ) credit report. My latest credit report shows ( 13 ) credit inquiry/inquiries that I did not authorize. 


I have unauthorized inquiries on my TransUnion credit report the names are 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 XXXX XXXX XXXX I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.

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 2022-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I leased a new XXXX XXXX XXXX ( XXXX ) from XXXX XXXXXXXX XXXX XXXX NY . I ended the lease early and traded it into XXXX XXXX on XX/XX/XXXX ( as indicated on the signed odometer statement from XXXX ). 

Before trading in the XXXX, I made sure all my obligations were met. Such as : - Under the allotted milage by the lease. 
- I did lose a key so I went to a Toyota dealership and paid to get a new key and have it programmed to trade in with the car. 
- From that same dealership I got the lease turn-in packet. I checked the car all around for dents and scratches. There were none that were over the threshold listed by Toyota. I also checked all 4 tires, they were within the guidelines as well. 
- Contacted Toyota 3 times for a final payoff. This included myself calling, the new car salesmen calling from XXXX, and the General Manager of XXXX. All on separate calls, all verifying the same amount which XXXX did pay ( if you need proof of this I would be happy to go to XXXX and get a signed statement ). 

I then do not hear anything for over a year, when my credit is hit by over XXXX points for a repossession. I call Toyota for months and can never get a straight answer. I am just told to pay them {$2200.00}. 

I finally get a hold of somebody after calling every day, asking to speak to a manager on every call that helps explain what the charges are actually for ( still to this date they have not been able to explain the charges ). This rep explains that the car was indeed repossessed however it was repossessed from Toyota 's corporate lot. They repossessed the vehicle from themselves. The rep ends the call stating they see the issues and they will take care of it. So I leave the conversation thinking everything will be solved. Months later still nothing. I start calling back again daily, but nobody can find that call and they all say ( including managers ) I owe them {$2200.00}. 

At this point my credit has started to slowly come back from this but I do want this resolved so I hired an attorney. He sent a letter to Toyota stating all these facts. It takes Toyota over a year to respond. That response is, have your client pay {$2200.00}. 

We send a response back and again wait years for anything. Just the other day I get a letter from Toyota to my attorney stating : " dear sir/madam : We have filed a notice of voluntary discontinuance or satisfaction of judgment on your client 's behalf A COPY OF THIS NOTICE OR SATISFACTION IS ENCLOSED '' My thought is after 7 years of them destroying my credit and running so much in my life this is over... but I was wrong. They just hit me with a judgment for that same {$2200.00}. 

I can not express how much I want Toyota to pay for their mistakes they have made me pay more for things for almost a decade of my life because of their mistakes and they should pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: WA

Complaint narrative:
We heard for the very first time by phone on XX/XX/XXXX that we owe {$510.00} plus nearly {$100.00} in interest for cleaning and utility fees that were supposedly due to our former apartments ( XXXX XXXX. ) in XXXX of XXXX. None of these charges were itemized or deducted from our security deposit. We received a full refund of said deposit and left our apartment in good standing with the company. For 2 years, we paid our rent in full on time. We even paid an extra month, after buying our new home, so we wouldnt break our lease at the apt . And now we have been harassed and threatened that our credit scores will be ruined by this collection agency. Our former lease states : 41.DEPOSIT RETURN, SURRENDER, AND ABANDONMENT. Deposit Return and Forwarding Address. You are required to provide us written notice of your forwarding address, on or before termination of this XXXX XXXX. Well mail you your security deposit refund ( less lawful deductions ) and an itemized accounting of any deductions no later than 21 days or as amended by Washington state law after the lease is terminated. Our deposit was returned in full. No charges were deducted. We were never mailed any billsfirst, second or finalduring the last 2 years. We called XXXX XXXX to further inquire about the charges, and they informed us they no longer have records of this matter because they are under new management. Dont these records need to be available for 7 years? Both companies charging us and pursuing collections are involved in bad faith business practices. What can we do when this happens? We feel completely vulnerable to any agency making claims to take our money under threat of damaging our credit scores, which we have worked so hard to maintain, even through the moratorium of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are addresses on my credit report are outdated and I want the bureaus to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
my account balance has not been updated to reflect my current balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My account was open successfully then all of a sudden the company lock me out the account I provided documents and my account havent been restored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX 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 2022-11-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CO

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. 

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 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 XXXX XXXX XXXX 

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 2022-11-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022

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 2022-11-08 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: DE

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.

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 2022-11-08 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: DE

Complaint narrative:
In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.

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 2022-11-08 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: NY

Complaint narrative:
my account balance has not been updated to reflect my current balance

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 2022-11-08 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: NY

Complaint narrative:
my account balance has not been updated to reflect my current balance

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
My dispute involves a missed payment reported by US Bank to the credit bureaus for a credit card, Account # XXXX XXXX XXXX XXXX. This credit card account was stolen in the XXXX XXXX  XXXX and used to make significant unauthorized purchases overseas. US Bank never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted US Bank. I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of US Bank that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that US Bank reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to US Bank after filing complaints with the credit bureaus and no changes were made. US Bank then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.

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 2022-11-08 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: NY

Complaint narrative:
The following issues are incorrect : : - still reporting status as of XX/XX/XXXX - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been charged off since XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX Experian is reporting multiple outdate/incorrect negative items to my Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount All of the factors above should be blank or at {$0.00}. For months Experian has allowed these negative items to remain on my report regardless of my many attempts requesting an update.

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