vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Companies keep denying my credit or placing holds on my account because they are " unable to verify my information '' with data from Transunion. I tried requesting my credit report from them due to denied credit, and they sent me a blank report. I tried to create an account online, and I submitted the correct verification codes sent to my mobile and email, but they denied me an account, saying they can not verify my identity. Then they invited me to contact them for help via social media ( very insecure, and I'm prohibited from using social media ) or on the phone ( I can't hear well and long phone calls like this are very draining for me ). 
I have good credit, a valid driver 's license, several bank accounts-all in good standing-with no missed payments or delinquencies, no criminal record for fraud or theft, no suspicious activity, and no history of identity theft. I shouldn't have to call a call center in XXXX for an hour EVERY single time I create an account with a company. I can verify my identity with a notary or send a copy of my license or something for the purposes of this complaint, but I'm tired of calling numbers and still being told they can't verify my information. I need to dispute inaccurate information with someone who is fully authorized to make changes without a supervisor. 
I have attached the blank credit report they sent me when I asked for one.

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have two charges on my credit card that do not belong to me. I disputed with the credit card company. Months later they appeared on my credit card again. I never received any calls or correspondence regarding this matter. I don't know what occurred to make the charges reappear because the credit card company never contacted me. When I called to try to dispute the charges again, they tell me I will receive a call back but they never call me back. They do not file a dispute when I call just a promise vto call back. 
The two charges are : XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The lender closed the account XXXX XXXX and on XXXX XXXX they sent someone to steal my car while my kids where inside crying scared for their life. I also put in a cease and desist.

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2023, I obtained a car insurance quote from XXXX  online thru XXXX Within a few minutes I was dissatisfied with the new Police and called XXXX  to cancel it. The XXXX Car Insurance Policy effective date would have started on XX/XX/2023. Since my current XXXX Policy was due to expire on XX/XX/2023. 
I contacted the Apple Card - card I used to make the payment in full of {$510.00} and they started a dispute on the charge. 
As of today, Apple Card is holding the {$510.00} against my credit balance and XXXX has informed me that they never received the {$510.00} because the payment was declined by Apple Card on XX/XX/2023. 
Apple Card sustains that XXXX received the payment of {$510.00} on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
The XXXX XXXX XXXX Credit Card First Bank XXXXXXXX XXXX mentions, WAS NOT A CHARGED OFF, COLLECTION, OR PROFIT LOSS : WAS PAID AS AGREED DIRECTLY TO XXXX, NOW PART OF FIRST BANK XXXX XXXX : THE XXXX PROCEDURE THEY MENTIONED IS AGAINST THE FAIR CREDIT REPORTING ACT ; XXXX EVEN TRIED TO PRESENT THE CREDIT CARD AS A BUSINESS ACCOUNT SO THE FAIR DEBT COLLECTION PRACTICES ACT WOULD NOT APPLY BUT IT WAS NOT A BUSINESS ACCOUNT ; XXXX PROHIBITED ME TO CONTINUE TO PAY MY FULLY UPDATED XXXX LOAN UPDATED XX/XX/XXXX RETURNING MY LAST PAYMENT OF XX/XX/XXXX BY CLOSING THE LOAN AND REPORTING IT PROFIT LOSS CHARGED OFF, SO FIRST BANK COULD KEEP CHARGING 34.95 % INTEREST LENDING THE SAME MONEY AT THEIR SUBSIDIARY CALLED XXXX XXXX, THEY ON PURPOSE CREATE FALSE PROFIT LOSSES AND FALSE COLLECTIONS WHEN THE TRUTH IS THE ACCOUNT STAYED AT THE ORIGINAL BANK AND WAS PAID DIRECTLY TO THEM WITHOUT ANY COLLECTION AGENCY INTERVENTION NO MATTER THEY TRIED TO INVOLVE A COLLECTION AGENCY WHEN THERE WAS NO NEED, EVEN TO THE SAME ACCOUNT ORIGINAL NUMBERS ACCOUNTS WERE PAID, UNLIKE WHEN PAYING AT COLLECTION AGENCIES. 
THIS IS CLEARLY A PATTERN OF WILLFUL CREDIT REPORTING ACT VIOLATIONS. 
THIS COMPLAINT IS TO ASK THE CFPB : WHY ARE YOU NOT DOING ANYTHING? 
WHAT THE CFPB IS THERE FOR? 
IS NOT TO CLOSE COMPLAINTS AND DO NOTHING WHEN BANKS DO SOMETHING LIKE THIS CLEARLY AGAINST THE LAW AND AFFECTING PROBABLY MILLIONS OF PEOPLE THAT ARE NOT FILING COMPLAINTS BECAUSE THE SAME COURT SYSTEM IS INFLUENCED BY BANK LAWYERS WHICH ARE RECEIVED BY JUDGES THE SAME DAY YOU ARE APPOINTED BUT YOU ARE NOT ALLOWED TO ENTER? 
SEE SUPREME COURT PETITION INCLUDED UNDER QUESTIONS FOR SUPREME COURT ; XXXX XXXX XXXX AND XXXX XXXX XXXX JUDICIAL MISCONDUCT, WHICH WAS ALLOWED? 
JUST TO REQUEST A FEEDBACK DOES NOT SHOW THE CFPB IS DOING THEIR JOB, MUCH LESS THE CFPB JOB IS TO REQUEST FEEDBACK WHILE ALL THIS KEEPS HAPPENING AND NOBODY DOES ANYTHING TO NEVER TO HEAR FROM THE CFPB AGAIN? 
WHAT IS GOING ON?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CA

Complaint narrative:
According to my most recent credit report, XXXX is currently reporting to Transunion that I applied for credit/loan with their organization on XXXX XXXX XXXX. I did not grant you authorization to review my credit report, nor did I apply for credit or a loan. This will be the 6th time, I have reached out to you to inform you of this. I reached out via us mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOW ON XXXX XXXX XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from Transunion credit bureau. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2023-06-11 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: MRS BPO, LLC
State: MT

Complaint narrative:
In XX/XX/21 I was sent to collections by XXXX  which was for and account that was not mine They refused to do anything about it or give me any information other than the address for the account that I did not open and I had never lived at that address. 

Once in collections, I disputed the debt through each of the XXXX credit bureaus and the debt was removed from my credit report until recently. 

On my XXXX report the debt has shown up again. I have disputed it both times and they say that the account is mine. They even added the address of the XXXX  account to my credit report. 

If the debt wasn't proven to be mine during the first round of disputes, why would it stay on my report now and why is XXXX the only bureau it is able to get onto?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I addressed a hard inquiry on my report from XXXX XXXX that I did not make regarding a personal loan to be disputed from my report. As of XX/XX/XXXX, XXXX XXXX has sent the request to the credit company reporting this inquiry ( being Transuion ) to be removed and they stated to allow 60 days for it to be removed. Today is XX/XX/XXXX and it has yet to be removed.

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 2023-06-11 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: OH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: NV

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-12 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: NV

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: OH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending in XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, 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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all XXXX campuses. 
XXXX loans were taken out from XXXX  and they are now called EdFinacial Servicee and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all 79 campuses. 
4 loans were taken out from XXXX and they are now called XXXX XXXX and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all 79 campuses.

4 loans were taken out from XXXX and they are now called XXXX XXXX and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all XXXX credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Hi XXXX XXXX here. Im submitting this complaint on credit karma money account. I filed my taxes as i always do with turbo tax never had a problem until this year i did the refund advance so i had to have it deposited into credit karma account well i waited and never heard anything to find out i wasnt getting the advance well they ended up locking my account right after my taxes went in after they told me i wasnt gon na get them there. Long story short i was waiting on that money for bills and my XXXXXXXX XXXX. I have lost my place to live and all now there saying i got my money out of this account that was frozen or locked and they never would let me. This is wrong that was {$4.00} thousand dollars. I needed and still need. I just want intuitt to do whats right and give me my money them or someone stole my XXXX XXXX XXXX XXXX XXXX XXXX  This has caused my family alot of pain and suffering. I dont know what else to do but i need my money i worked and paid taxes for. This ia not right its like they just stole my money. I did nothing wrong to havr my account locked. Or my money kept or stole apparently my account is negative and it was froze

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: Chime Financial Inc
State: NC

Complaint narrative:
Today ( XX/XX/23 ) I went to view my wedding venue and came to the conclusion to make a deposit. As the venues preferably source is XXXX, I tried to go through XXXX. This is the second time XXXX has hacked me/my account. I called the contact support line/ XXXX number and got in touch with someone. This person set up a fraud email/ made me think he was part of XXXX . And I ended up transferring money. ( XXXX ) to be exact. Im hurt, stressed, disappointed, and just want my money back. Its so sad I cant trust anyone these days. Im homing XXXX makes this right and refunds me.

Company response to consumer: Closed with explanation