vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights.

10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on 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 2023-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
My lease terminated on XXXX 
On XXXX I received payoff letter ( attached ) for the amount of {$22000.00} good till XXXX 
On XX/XX/2023 I made an online payment to Lexus XXXX for the full amount indicated on the payoff. 
On XXXX Confirmation was received from Lexus XXXX of payment received. 
As of today I have yet to receive title to the vehicle. 
Call to Lexus have not been successful in obtaining resolution. 
Lexus has instructed me to proceed to a dealer to purchase the vehicle and that they will return the payoff payment. It's been almost 2 months and I have yet to receive the refund. 
I have been forced to extend the lease because Lexus was reporting that my payment was overdo. I am now {$22000.00} out of pocket as well as having to make monthly payments in order to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on 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 2023-03-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a letter dated XX/XX/2022 from Equifax stating they had made an error by duplicating a negative collection account on my consumer report. The same account that I have been disputing as inaccurate multiple times perviously but they seemed to verify it as accurate ; Because of Equifax 's error I was denied a credit opportunity by a lender between XXXX and XX/XX/2022 and it was because the duplicate negative error showing an additional negative amount of $ XXXXProtected under the FCRA credit reporting agencies are required to provide accurate and complete information in a consumer 's credit report and Equifax has failed to do so. Not only did Equifax report false and inaccurate information on my consumer report but because of this significant error I was denied a credit opportunity from a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had two loans from XXXX XXXX XXXX XXXX XXXX in XXXX VA that went into collections in XXXX and XXXX. I paid both in full and they should NOT still be on my credit report as they are too old. I have argued with this bank to get these removed as they are too old. The bank refuses to do it and keeps reporting the loans as currently active. This is not correct and I want it fixed. The bank should be fined for false information and refusing to update the correct information.

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 2023-03-09 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
in accordance with the fair act this creditor has violated my rights under the FCRA 15 U.S.C 1681i, section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can't not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

XXXX  XXXX ( XX/XX/XXXX ) (, XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX ) ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
Someone used my information at a facility that I had no knowledge of, I filed a identity theft report with lapd and gave California business bureau the information they asked for which was a police report and their rejecting the report, tge Manerger also stated even if I gave her the proper documentation that she still wouldn't take the false collection off my report, I believe there's racism involved in this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Westlake Services, LLC
State: CA

Complaint narrative:
The dates mentioned I were late in making my payments were incorrect and unverifiable. I never paid late and I was never notified .Please update the payment history immediately for the accuracy of my report. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
I found out that I was sued by Jefferson Capital Systems , LLC and a civil judgment had been declared by the XXXX XXXX XXXX XXXX. The case number is : XXXX. Jefferson Capital Systems file number is : XXXX. 

The judgment was made on XX/XX/XXXX. On XX/XX/XXXX I received another notice from Jefferson Capital Systems from a XXXX XXXX XXXX XXXX, CO. The amount of the debt listed is {$1800.00}. This is astronomical for a credit card with a {$300.00} credit limit. Also of note is the fact that my last name when married was, " XXXX '', and it was legally changed back to my maiden name, " XXXX '' after my divorce was finalized in XXXX of XXXX. The notices I have received are addressed to " XXXX XXXX ''. This also makes me question the statute of limitations on this debt. 

I looked up the case number above and discovered that the case was closed years ago. I am questioning the legality of continued attempts to collect on this debt and potential violations of the laws regarding consumer debt collection practices. 

I am also XXXX and my only source of income is XXXX and I have not worked since XXXX of XXXX. 

I would appreciate your help in this matter as Jefferson Capital Systems has a long history of fraudulent debt collection practices. 

Thanks in advance for your help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
I am interested in processing disputes with experian about the inaccurate information on my credit report. please review and delete all invalid data that is hindering my credit file asap.

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 2023-03-09 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: OneMain Finance Corporation
State: IL

Complaint narrative:
One main financial has broken 3 laws 1. Cease and desist. 
I sent them cease and desist paperwork. I was still getting harassment calls by XXXXnemain financial. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

I gave you all a cease and desist letter and I was still getting called by you all.

Right to rescind I have a right to Resc per Us code 1635, I am not liable for any of these charges! I was told from XXXX XXXX that right to rescind only applies to mortgage which is a lie. To prove that, I have attached screenshots from the Law below which clearly thats " ANY CREDIT TRANSACTION '' Which includes ( loans ). Per law, I have to be given documentation about my right to rescind. This was not given to me and I sent paperwork which is illegal. This contract is void and needs to be terminated immediately! 

Late payments Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus These are violations of the U.s. consumer law. I have a pending lawsuits against wells fargo for violatiing these same laws and I will do the same with onemain financial. 

Remove the late payments IMMEDIATELY AND TERMINATE THIS CONTRACT! 


I Have also sent a letter to the board and corporate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX notified me with an email that THD/CBNA had did an account inquiry. 
Notice said Installment Loan or New Bank Account Inquiry. 
Address of Bank : XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT 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 2023-03-09 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: VA

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 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated My rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a box of my personal checks stolen by my USPS carrier and had to close my checking account. I went to Synchrony Bank website and updated my bank information. I should've known better! I changed banking information before when I switched to XXXX XXXX and the same thing happened. They don't actually change your banking info, so that it defaults and you get charged a late fee. Fool me once... anyway... this second time, I got charged a late fee even though I updated my information on the same day I got my new checking account. I saw that they debited my account for my regularly scheduled payment of XXXX plus the late fee of {$30.00}. I was XXXX. Trying to call this sham of a company is pointless. I was told that they were refunding me on XX/XX/23, in the amount of {$100.00} as they took more than my payment WITHOUT MY CONSENT. It's now XXXX weeks later and I have yet to get that refund. My account reflects the balance due of {$700.00} which is still the balance owed on the account after the {$100.00} was taken without my consent which tells me that they DID NOT ever refund my money and LIED to me. I have called twice today XX/XX/23, hung up on the first time and the second time, I was told that the late fee was waived and they they DO update bank information " if it is correct '' ( this call is recorded so you can verify this is what was said to me by the XXXX agent ''. Yes, they waived the late fee after I called and was incensed. I am now on the phone as I type this and I was informed that a check for {$30.00}, not {$100.00} was issued and they had me verify the address which is accurate. All I get is runaround from this company. I am currently waiting on another " supervisor '' but I doubt that I will see any resolution. I have closed my account due to their shady practices and would like to see some actual resolution that is satisfactory to me. I do have " informed delivery '' via USPS and I have not ever seen any mail to me from this company.

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 2023-03-09 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights. 
10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TIDEWATER FINANCE COMPANY, INC.
State: KY

Complaint narrative:
XXXX finance came and removed my car from my sisters home trespassed on private property with lack of personal jurisdiction i have paid on the car for 5 years on a loan balance of XXXX and after 5 years stated i still owed XXXX how is that possible al they also lied to me on their recorded calls telling me i owed 3 years on the car and that was false i want this removed off my credit and my vehicle returned to me they have left a mess on my driveway in result to pulling the vehicle out without permission to step foot on my property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As of the day this complaint is being submitted the account information being reported on my consumer report regarding XXXX XXXX  account # XXXX is being reported inaccurate/incompletely by Transunion on my consumer report, causing me a financial hardship.

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 2023-03-09 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: NJ

Complaint narrative:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible.

Company response to consumer: Closed with explanation