vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been listed on my credit report. Upon reviewing my report, I have noticed several discrepancies in the information that has been reported. 

Firstly, the account with XXXX  ( account number XXXX ) is inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Secondly, the account with XXXX XXXX  ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Thirdly, the account with XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Furthermore, the account with XXXX XXXX ( account number XXXX ) is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. The same goes for the account with XXXX/XXXX  ( account number XXXX ). 

Lastly, the account with XXXX XXXX  ( account number XXXX ) and XXXX XXXX account number XXXX ) are also inaccurate. There is no record in my possession that these accounts belong to me. You must remove this inaccurate information from my credit report without any delay. 

I would like to request that you investigate these matters as soon as possible and take the necessary steps to correct these inaccuracies. I appreciate your assistance in this matter. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-17 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:
I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-03-17 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: GA

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-03-17 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was graduating with my XXXX  in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to adjunct for my university. I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was XXXX XXXX that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get my degree in mathematics and eventually a XXXX  in math. I had to reinvent myself. Thank you for your time in reading this.

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 2023-03-17 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was graduating with my XXXX  in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to adjunct for my university. I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was XXXX XXXX that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get my degree in mathematics and eventually a XXXX  in math. I had to reinvent myself. Thank you for your time in reading this.

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 2023-03-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MA

Complaint narrative:
Equifax is reporting two fraudulent inquiries on my credit report. one is from XXXX XXXX  XX/XX/XXXX and the other is from XXXX XXXX XXXX XX/XX/XXXX. I have not personally done business or given any permission for these companies to pull my credit. These inquiries need to be deleted from my report immediately or I will be pursuing legal action with my team. Ive already disputed and Equifax did not do any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NY

Complaint narrative:
Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of EducationXXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}

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 2023-03-17 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: NY

Complaint narrative:
Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of EducationXXXX {$5400.00} 4 . Us Department Of Education/XXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America dispute claim # XXXX. XXXX refuses refund for XXXX received item. Enclosed are the faxed documents received today by Bank of America, but amazingly are not acknowledged, likely due to the bias this bank is showing XXXX. The dispute dept. phone rep referenced a " non renege '' clause entitling the company to a 45 day delay on processing my {$72.00} debit card refund or at least a credit by this bank when my documents prove I returned the defective car part in damaged box that never should have been sold, which is why XXXX won't take back previous customer return. Tracking # XXXX XXXX. These documents are available to upload to ANY government agency I deem fit. I deserve an immediate permanent credit or the bias is clear. 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 monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I overpaid Costcos Citi Visa card by {$20000.00}. I have desperately worked to get this money back from Citi Bank in order that I can pay XXXX XXXX instead. I have been delayed, lied to, delayed again and put off. 

Meanwhile, XXXX  XXXX is charging interest on this amount which I actually owe to them. Citi claims they cut a check to me finally on XX/XX/2023. I should have had it by yesterday at the latest and of course I do not. They sent through snail mail. I asked them yesterday to send it electronically which takes 2 days. 

They said they can do that but it will take another 7 to 10 Business Days to do that which we all know is a bunch of BUNK!!!! 

They are using my money and dont want to send it back to me. I can see on XX/XX/XXXX where they backed the money out of my account but I still dont have it. Meanwhile XXXX XXXX is charging interest on. This money that Citi refuses to return to me Will you please light a fire under Citi Bank and force them to return my money AND PAY THE INTEREST Im being charged at XXXX  XXXX? 

I appreciate all help you can give me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation fo

r : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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