vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: IL

Complaint narrative:
I entered into a contract with INSTA -AUTO # XXXX on or around XX/XX/2016. I was entered into this contract without a full disclosure of my right to rescind. This is a visible violation of the Truth In Lending Act. If they had presented me with a full discloure of TILA I would have seen the finance charge. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which is another visible violation of the law. Which leads to another visible violation of FCRA ( 1692e ) seeing that I was given false and deceptive information. Seeing that I was told that a down payment of {$2000.00} was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. This is under the FCRA. This is the law and a clear violation of it. I have written Insta-Auto myself to try and resolve the situation, but they have continued ignore the consumer whose character they are damaging by continuously reporting negative and false information on me ( the consumers ) credit report. 
I know they are not able to provide these proper documents because they were not presented to me as they should have been under the law. They can not prove that they provided me a full disclosure of TILA and they knowingly took CASH down payment as that is a violation. 
Also according to 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX. The XXXX account # XXXX. XXXX XXXX account # XXXX-XXXXXXXXXXXXXX Has violated my rights. and reporting inaccurately. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America hired XXXX and XXXX XXXX. to arbitrate a debt without burden of proof. Original complaint was filed XX/XX/XXXX. I, the plaintiff, replied within 20 days requesting burden of proof. Online account statements were sent to me in XX/XX/XXXX. Notification of court hearing was signed by XXXX XXXX XXXX that she certifies that I, XXXX XXXX ( the Plaintiff ) was served on XX/XX/XXXX. I received the notification of court hearing in my mailbox on XX/XX/XXXX. The court hearing is scheduled for XX/XX/XXXX. I replied to XXXX and XXXX XXXX. with a second request for validation sent via USPS express certified mail on XX/XX/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 explanation
Consumer complaint received 2022-07-13 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 A, XXXX XXXX Acct not provided XXXX {$1400.00} 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 In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act A, 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 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: NY

Complaint narrative:
I sent a letter to XXXX on XX/XX/2022, requesting that will investigate the disputed accounts from my credit report as well as place temporarily update these items from my report during the investigation period. As of this date, Experian, XXXX and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$1100.00} ; XXXX  XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00}

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 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate information reporting on my credit report for a bankruptcy I also reached out to the courts and they stated we do not report to 3rd party credit reporting agencies. This company tacky behavior is violating my privacy rights, its been over 60 days later and I have not received a response back via mail. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the all listed items from my credit report it has been over 60 days so this item should be deleted immediately. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 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 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 The life at XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My original Experian incident # is XXXX which was opened on XX/XX/2022. On XX/XX/XXXX I called to request an update on this case and I was told that my original ticket was closed the same day as it was opened, with no changes made. I therefore ordered a new ticket # XXXX with priority escalation to IT support, and a specific notation added that the new ticket can not be closed without my express consent. As documented in both formal complaints above, the Experian credit freeze web login portal is stuck on the 'accept our updated terms and conditions ' page which I am unable to move beyond, even after I have viewed/downloaded all attachments. This issue has been replicated in XXXX XXXX and XXXX XXXX, on multiple PC devices. Thus, this can not be a PC or browser issue. Experian needs to fix their system to allow me to log in and work with my credit reports/freezes as needed. Phone-only access is not sufficient for my needs. The personnel assigned to the original ticket also need to be disciplined for their incompetence and lack of professionalism, with consequences up to and including termination.

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 2022-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have co-signed loans through Navient for attending XXXX XXXX XXXX. A family member co-signed. The University marketed the school as an institution with unique degrees and promoted a " XXXX '' influence for job placement. XXXX frame. 
I have graduated with a degree but no support with career placement. The fields are extremely competitive, and opportunities are few. Navient at no time offered an incomebased payment plan. Deferment and forbearance are their game. It is reprehensible that this entity of our government is allowed to continue these financial practices. There are as you are aware, substantial complaints and lawsuits with Navient. I am saddled with a debt that can never be paid off as the interest has accumulated. Please assist! Please intervene!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. 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 enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021.

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 2022-07-13 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: NJ

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 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 on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-13 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: AL

Complaint narrative:
XXXX XXXX XXXX  is currently showing two late payments on XXXX one for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by Covid 19 and this should be Covid  protected. XXXX is showing one late payment for XX/XX/XXXX which should be Covid Protected and Experian is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date.

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 2022-07-13 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:
I sent a letter to XXXX on XX/XX/2022, requesting that will investigate the disputed accounts from my credit report as well as place temporarily update these items from my report during the investigation period. As of this date, XXXX, XXXX and TransUnion have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$1100.00} ; XXXX  XXXX XXXX Balance {$2000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00}

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 2022-07-13 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: NY

Complaint narrative:
I sent a letter to XXXX on XX/XX/2022, requesting that will investigate the disputed accounts from my credit report as well as place temporarily update these items from my report during the investigation period. As of this date, XXXX, Equifax and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$1100.00} ; XXXX  XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$680.00}

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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2022 I deposited a cashier 's check for {$5900.00} into account XXXX XXXX at Wells Fargo Bank. I was told the funds would be available on XX/XX/2022. I called the bank every day and the finds were there. On XX/XX/2022 I bought a cashier 's check for {$4900.00}. When I got home my e-mail told me I had a deficiency in my account of about {$3000.00}. 

I went to the bank. They told me the cashier 's check was no good. They should not have told me the funds were in my account. Even the transaction receipt they gave me on XX/XX/2022 said the funds would be available on XX/XX/2022. It was from an out of state bank. 

I believe this is gross negligence on the part of the bank and they should return the {$4900.00} and the {$400.00} I also spent.

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