vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: KY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-14 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: NC

Complaint narrative:
As of today XX/XX/2022, Experian has notified that my disputes were completed on XX/XX/2022. However, they have not closed out my case. I am yet again filing a complaint due to the erroneous items they are still furnishing on my consumer report. I am demanding methods of verification utilized for the accounts that remain on my consumer report. I will like to remind the company that they must follow the law/ FCRA that has been administered to them. It is also my RIGHT as the consumer whom has been treated with great negligence to know : the method of verification, the name and contact of the person that they have spoken with, what documentation that was provided and did it include MY signature, and if the company provided my name, ssn, and dob. 

Please take this as the final opportunity to cure.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I have just received a letter from XXXX that I have some issue with consumer credit report. My background check is processed via third party HireRight. I am so surprised that I had some negative findings in my credit report that prevents me from being employeed at XXXX. 
Please give me the permission to look at the report and I can understand what's happening in my case. I was an international student at XXXX XXXX XXXX University from XXXX and left the U.S in XXXX. I have come back to U.S with my family and filed tax returns in XXXX and XXXX and found out someone stole my SSN to filed tax return in XXXX. I filed a Theft Identity Adaffvit and am waiting for IRS repsonse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota is reporting inaccurate information on my credit report that is causing severe financial UNFAIR and UNLAWFUL consequences to my financial future. My rights under the FCRA are in complete violation. I'm asking for immediate attention to this issue as my own efforts of disputing directly with Toyota and with all three credit bureaus has not worked for over 6 months.

For one of the two remarks Toyota has acknowledged the error in writing and I was told the late payment information would be removed from my report as TOYOTA acknowledged the late payment history was inaccurate. This has still not happened. 
This account for was paid as agreed and closed on XX/XX/XXXX, and its reported as if the last delinquent payment date was in XX/XX/XXXX, almost 5 years after it was fully satisified. 

While the second inaccurate reporting is even more damaging. 
It lists the vehicle repossession occurred in XX/XX/XXXX, last payment occurred on XX/XX/XXXX, charged off in XX/XX/XXXX. 

But it was posted as if the account was closed only on XX/XX/XXXX (? ), with a balance of {$6900.00} (? ) and from then, its been reporting me late every month since the charged off date. How can late payments continue to report YEARS after the account has been charged off? 

These errors are keeping me from being able to obtain housing of any kind and is also impacting the ability of me as a father to help my daughter pay for college

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 2022-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Auto claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have a closed account with Navient that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with Navient was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with Navent regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION
State: RI

Complaint narrative:
This is my first time in 30 years were my future job with XXXX XXXX has been on hold for incomplete background missing information. The information belongs from XXXX XXXX XXXX de XXXX XXXX were they informed that were unable to find my information. XXXX XXXX XXXX XXXX type XXXX, XXXX XXXX XXXX not given my transcript years taken. I have Copy Stamp on XX/XX/1999 in the Formal transcript documentation by the XXXX XXXX XXXX de XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: IN

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX XXXX Acct # XXXX Credit Coll Acct # XXXX XXXX services L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I suffered a XXXX resulting in several long-term hospitalizations. As a result, my income inevitably decreased and I've been struggling to make payment due to this fact. I've done the best that I can to make partial payments and work with Regional Acceptance to keep my account active. Most recently, I submitted and received a deferment of 60 days on XX/XX/XXXX ( deferment ID : XXXX ). This deferment was agreed to bring the account current. I subsequently made a payment of {$890.00} on XX/XX/XXXX, covering the month of XXXX and XXXX. The account was to be current. On XX/XX/XXXX, while I was in the hospital, I was notified via my security system that my car was repossessed. This is extremely concerning, as I've put my money into paying the two months to bring this account current to avoid this from happening. I need my vehicle in order to drive to my follow-up medical appointments and post-op procedures. This repossession should not have taken place, and this is the worst experience that I've ever had with an auto lender. I do not have the means to pay repossession and storage fees, and shouldn't have to, since I was told the account was current after my deferment and double payment. I am set to return to work in XXXX, and would then be able to make payments as agreed, but I won't be able to return to work without a vehicle. Regional Acceptance has not offered to work with me in resolving this matter.

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 2022-07-14 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: IN

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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 2022-07-14 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: IN

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 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 2022-07-14 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: AL

Complaint narrative:
I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting 2 derogatory accounts on my XXXX, XXXX and Equifax. XXXX XXXX XXXX  ( XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. 'XXXX XXXX XXXX XXXX  ( XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report ( XXXX XXXX {$610.00} and XXXX XXXX {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, Equifax, XXXX and XXXX. 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 marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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:
I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting 2 derogatory accounts on my XXXX, Experian and XXXX. XXXX XXXX XXXX  ( XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. '' XXXX XXXX XXXX XXXX  XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report ( XXXX XXXX  {$610.00} and XXXX XXXX {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, XXXX, XXXX and Experian. 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 marital instability, to the loss of jobs, and to invasions of individual privacy.

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 2022-07-14 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: NY

Complaint narrative:
I filed dispute i regards to incorrect information on my credit report. It has been well over 3o days and I haven't received any investigation results. Sent a 2nd request, please remove.

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Sunday XX/XX/XXXX at XXXX, I was notified that I had a transaction of {$120.00} at XXXX. I was worried because I did not make any transaction that big recently. I tried to send in a dispute that night but it told me " please wait 3 days due to this being a pending transaction ''. 

So I waited 3 days and contacted chime support by phone. I had proof of an XXXX support chat saying that this transaction was made with another XXXX account and not mine. 
I was told during the call if I had any attachments such as proof, to add it to the dispute in the app. After the call was done I had received an email saying the dispute was created but there was no option on the dispute in the app to add attachments. About less than an hour later the dispute was declined. 

I had spent all night looking, trying to see how this transaction was made so I could get some proof at least to add to the dispute. I surprisingly found that I had another XXXX account but I could not log into it because it contained my old phone number which I do not have anymore. The person who purchased {$120.00} worth obtained the phone number and basically had free access to the account with the debit card linked to it. 
I logged into the email that was linked to the XXXX and saw the purchase confirmations to an address in XXXX which is not where I live. 

I screenshotted evidence such as the order, them obtaining access to my account/resetting my password and XXXX support saying that I should dispute this right away. Contacted support again, reopened the dispute and sent the attachments to their support email to attach to the dispute. 
Less than an hour later, denied again.

Company response to consumer: Closed with explanation