vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account beginning in # XXXX, XXXX XXXX acount beginning in # XXXX, XXXX XXXX account beinning in # XXXX, XXXX XXXX XXXX account beginning in # XXXX, and XXXX XXXX account beginning in # XXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account beginning in # XXXX, XXXX XXXX acount beginning in # XXXX XXXX XXXX  account beinning in # XXXX XXXX XXXX XXXX account beginning in # XXXX, and XXXX XXXX account beginning in # XXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
On or around XX/XX/XXXX credit decreased XXXX points on Equifax ( as seen on XXXX XXXX XXXXpp ) due to {$370.00} payment/balance decrease of XXXX XXXX card . Contacted Equifax [ on or around XX/XX/XXXX ] and was assured that score did NOT drop [ XXXX ] and a copy of report was mailed via us postal. XX/XX/XXXX, a complaint was made against XXXX XXXX ( case id XXXX ). On XX/XX/XXXX report revealed Equifax score of XXXX which is a XXXX point decrease instead of previous XXXX points. XX/XX/XXXX contacted XXXX XXXX they use another bureau, not Equifax . if possible, I would like to use same uploads from complaint XXXX against Equifax instead .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX  account # has violated my rights. 
15 U.S. C 1681 Section 602A 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 Consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hunting Bank is the issue here. And my checking account number is : XXXX. I think and believe that possibly my bank is taking advantage of me being XXXX XXXXXXXX person ... whereby during my previous conversations with persons at my bank... they have told me that Huntington Bank processes my deposits from my XXXX account very slowly. Which then causes me NOT to be able to track my checking account balance properly and it seems then that my deposits are processed in a manner which literally CAUSES my checking account to become WRONGLY overdrawn. For example, there are NOW due to such questionable taking advantage of me... approx. 5 or 7 overdraft fees which have been seemingly deceptively charged against my checking account ( e.g. on XXXX and one on XXXX ) at $ XXXX each -- - such that NOW my checking account is OVERDRAWN by - {$210.00}. Also, at least one ( 1 ) of the overdraft fees is actually for what as best that I can tell an ACTUAL credit/ deposit in the amount of {$97.00} on XX/XX/2022. My checking account is in my name : XXXX XXXX XXXX and my address noted on the account is : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Please respond to me via email @ XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXXXXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXX, ( Only reported to XXXX & XXXX ) XXXX XXXX XXXX ( Only reported to XXXX & XXXX ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & Equifax ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to XXXX & Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXX, ( Only reported to XXXX & Experian ) XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to 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 explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, 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 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 2022-04-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXX XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX XXXXXXXX XXXX XXXX, account XXXX XXXXXXXX XXXX XXXXXXXX, account 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 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 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I checked my Chase online banking and saw XXXX wire transfers that i was not awared nor authorized them. Their amount are XXXX XXXX XXXX and XXXX dollars. XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$10000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$40000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$45000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$35000.00} I already asked the bank to investigate, but they were very late to ask me to provide wire fraud claim, then i sent the claim on XX/XX/XXXX. Until now, they're still saying the claim is in investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Back in XXXX I called Toyota company to ask for a 2 months pay push back. Due to my Calendar converter was stolen from my truck. And I had to pay for a rental. Then send me an email confirming the push back date.. I wasn't aware and no one told me I had to sign paperwork by a due date and fax it to them. 

Then in the beginning if XXXX I got a notification that I was 2 months behind on my payments. When I called them they said they never got any sign paperwork. I did told them to go over any records from XXXX phone call to listen that I wasn't aware of sign paperwork.. 
I haven't received a called back yet.. 

But they did re email the paperwork and I fax it back to them with in 2 days.. 
But they already reported my 2 months late payments to the credit report. 
I need help. 
Toyota told me that they don't give forgiveness on late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act, Equifax Inc. has violated my consumer rights by reporting a XXXX  XXXX XXXX. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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:
Experian, XXXX and XXXX has failed to remove the following from the credit report. I have tried to disputed XXXX XXXX, numerous of times and the information is incorrect. I have also called the following companies to remove the hard inquiries from my account and have refused to do so. list of hard inquiries will be attached You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file
is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 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 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so.

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( XXXX ), # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX ( Equifax ) Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
old address wrong last name on my credit personal informations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act, Experian has violated my consumer rights by reporting a XXXX  XXXX bankruptcy. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " 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 explanation
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: WA

Complaint narrative:
Am individual living at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, WA XXXX, used my identity to get approved for a Discover credit card. 

After getting approved by Discover for a credit card with a {$16000.00} limit they attempted to change the billing address to theirs, the previously mentioned XXXX  WA, address. 

My credit monitoring service notified me of the transaction and I was able to contact Discover. The credit card was canceled by Discover, who provided me the address of the XXXX that attempted to steal my identity.

Company response to consumer: Closed with explanation