vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Account, XXXX 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 1666B : A creditor may not treat a payment late on a credit card account under an open end consumer credit plan as late for any purpose. 

My payment was made 7 days late ( due XX/XX/22, made XX/XX/22 ) for the last due amount and next months minimum payment. This is the only late payment on my account and was not due to financial hardship. I am more than capable of paying all future payments on time. This was a one time situation and it will not happen again.

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 2022-10-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Account, XXXX 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 1666B : A creditor may not treat a payment late on a credit card account under an open end consumer credit plan as late for any purpose. 

My payment was made 7 days late ( due XX/XX/22, made XX/XX/22 ) for the last due amount and next months minimum payment. This is the only late payment on my account and was not due to financial hardship. I am more than capable of paying all future payments on time. This was a one time situation and it will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Account, XXXX 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 1666B : A creditor may not treat a payment late on a credit card account under an open end consumer credit plan as late for any purpose. 

My payment was made 7 days late ( due XX/XX/22, made XX/XX/22 ) for the last due amount and next months minimum payment. This is the only late payment on my account and was not due to financial hardship. I am more than capable of paying all future payments on time. This was a one time situation and it will not happen again.

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 2022-10-23 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accountXXXX 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 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XXXX, XXXX, Original amount {$16000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), XXXX  ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX  XXXX  XXXX  C ( Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXX/XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Purchased a used car from XXXX XXXX in XX/XX/XXXX, refinanced loan in XX/XX/XXXX with new refinance company. Sold used car in XX/XX/XXXX. 


XX/XX/XXXX, contacted warranty service company to cancel contract XX/XX/XXXX : XXXX XXXX XXXX explained check would be sent to dealership XX/XX/XXXX : filed for a warranty service contract refund with dealership XX/XX/XXXX : contacted sales agent, they said it is in process XX/XX/XXXX : contacted sales agent, said they would get back to me XX/XX/XXXX : left voicemail to finance manager- never contacted me back XX/XX/XXXX : called finance manager again. No reply XX/XX/XXXX : reached out to sales agent again, said they would get back to me XX/XX/XXXX : sales agent explained check was sent to new refinancing company XX/XX/XXXX : contacted new refinancing company and they have no record of any check being recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: IL

Complaint narrative:
XX/XX/22 the amount was {$770.00}. I went to get a money order at a currency exchange. And the computer froze mid transaction. Somehow the money is out of my account but they couldnt find or see the transaction on their end. They suggested I call my bank/prepaid card to credit it my money but they wont. They have me jumping thru hoops saying I need to send a email providing more information. Then they said not an email you must send a letter. They keep making up new stuff. As you can see From the pictures I sent. They havent credit me the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
The company CB Indigo is reporting inaccurate and misleading information to my consumer reports. Ive contacted the company regarding a validation notice for inaccuracies and have not received any written correspondence. CB Indigo failed to maintain reasonable procedures regulated by law and ignored my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase allowed several unauthorize transactions on my account in which I am asking a full refund back ASAP as these are my life savings. 

The unauthorize transactions are : XX/XX/XXXX from Blockchain.com for {$5000.00} ( which I already received refund from ) XX/XX/XXXX from XXXX XXXX transactions for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} A total of XXXX USD. The same company XXXX credit my account {$8.00} USD and for this reason chase is denying my claim with that merchant. This is absurd, so this company fraudently withdraws my account for {$30000.00} USD and randomly credits me {$8.00} then Chase refuses to help me. I want to repeat that XXXX is a fraud company and I never done any business with them. These are unauthorize transactions I never approved. Any transaction related to XXXX and XXXX are not and will not be authorize by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation, confirmation # XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with disabilities, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be XXXX basedespecially for security. 
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 2022-10-23 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:
In 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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: PA

Complaint narrative:
My credit report with Equifax shows multiple invalid account that are causing detriment to my score. My report is showing XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charged off. That information is invalid. My report also shows XXXX XXXX, and XXXX  XXXX ( Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for Equifax to remove these invalid accounts or validate them. However, I have not gotten a response or action from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following medical collection accounts are being listed on my credit report twice ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and need to be deleted as they were opened by someone who used my identity. XXXX and XXXX XXXX also have two closed credit card accounts that were opened under my name that need to be deleted as they were not opened by me. XXXX XXXX XXXX also needs to be deleted I previously sent you all ( EQUIFAX ) documents showing were that account was closed and dismissed in court. Please delete the account as I am no longer legally responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NY

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX/XXXX  ( XXXX Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: LA

Complaint narrative:
Was not able to get consumer file online with lexisnexis attached is letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
COLLECTION RECEIVABLES ARE IN VIOLATION OF 15 USC 1681 ( b ) ( c ) ( 2 ), 15 USC 1681 ( 2 ) ( A ) ( i ). THEY HAVE ALSO VIOLATED MY HIPPA RIGHTS BY ILLEGALLY FURNISHING MY REPORT TO THE 3 CREDIT BUREAUS WITHOUT MY PERMISSION..THESE VIOLATIONS ARE DAMAGING MY UNLIMITED CONSUMER CREDIT AND DEMAND IMMEDIATE DELETION OF THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: FL

Complaint narrative:
On XX/XX/22 and XX/XX/22, I contacted the credit reporting agency TransUnion regarding inquiries for a company that I have not authorized nor do I have an open account with. TransUnion stated that the items will be removed from my report and I will have written correspondences sent to me. As of today, I have not received any information regarding my disputes, and feel that I am being ignored.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: LA

Complaint narrative:
Was not able to get consumer file online with ARS ( Advanced Resolution Services ) attached is letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX had notified me on XX/XX/22 that I had a hard inquiry ( for a new card apparently ) from Synchrony Bank out of XXXX, Florida that I did not make of never even heard of prior to this incident. I contacted the company during my lunch break the following day on XX/XX/22 & I spoke to two representatives & they said they can only access that account with either my account number ( which I dont have with them ) or the last 4 digits of my social security number, which I refuse to give them since I dont trust them with that info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: OH

Complaint narrative:
I asked XXXX, equifax and XXXX  to remove any addresses associated with XXXX XXXX. These companies did not comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The bank citibank is my bank. I have achecking account that has been open for 7 years now. I have a direct deposit with them for the entire time being setup with them. I have recently had them suspend or temporarily hold my account. They won't say what it is from. They told me I have to verify myself. Through a phone number. They stated the phone number has to be in my name. In order to verify my self I have told them my phone number and others as well because I have had a few different numbers. I told them each and they said not one could meet their verification standards. So they say they sent a letter in 7 to 10 business dasy for the next instructions. This is absurd and ludicrous. I have absolutely no access to my funds and I have had my account taken without any previous warning. So I am left without access to my funds. Right in the middle of a huge transition during my move. I am close to a deadline to move out of my apartment and this happens. I am left with no funds not even for gas in a less impacting situation but for my current very time constringent matter where i need fees paid moving costs my deposit, and not to put in my details but a huge huge deposit and all the the miscellaneous problems that come with moving is just one of the most chaotic inconvenient times this could happen. A bank should not be able to just hault an individual from their funds. I have contacted a lawyer and was told if I wanted to pursue there would be alot of fees accumulated so I wanted to pursue other alternatives first and have this investigated or resolved. 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 2022-10-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosedcopies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation