vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 The Locations of original Creditor : XXXX XXXX XXXX XXXX XXXX, Located XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Also reported as CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX The account you are reporting Account # XXXX is identified as an installment loan which is factually incorrect the true account type for this Account # XXXX is a credit sale agreement, I have the right the to an actual credit file and discrepancies like this are unacceptable please remove this from my account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
How are you? I made a loan of {$1300.00} and I was paying on time, just as they told me, every Friday an installment of {$120.00} and I had advanced XXXX installments, which is a total of {$2000.00}, and I am surprised to check my account statement, which I still have to pay. pay for having lent me {$1300.00} this amount. 
The outstanding balance owed for your loan is {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA
State: NC

Complaint narrative:
I believe I have been defrauded by a predatory conspiracy between XXXX and XXXX XXXX XXXX XXXX XXXX. I sought help from XXXX XXXX XXXX XXXX XXXX to assist with a tax bill dispute with the IRS for which I believe I have a legitimate XXXX XXXX defense. XXXX XXXX XXXX XXXX XXXX partnered with XXXX to provide me a high interest loan to pay its legal fees while providing little to no service. XXXX is a principal partner in the conspiracy as without LendUSA participation, the scam would not be able to occur. XXXX, in essence, provides the financial backing to the scam. In my opinion, the arrangement between XXXX and XXXX XXXX XXXX XXXX XXXX is a conspiracy to defraud. To defraud not only me, but the U.S. government as well : Monies I could have been paying toward my outstanding tax bill, have been diverted to XXXX and XXXX XXXX XXXX XXXX XXXX. This conspiracy is unfair, deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accountslisted below to be removed because Accouring to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX {$440.00} Date open XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$12000.00} date open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
Hello, I'm writing this to complain about my loan service provider Edfinancial services. I called on XX/XX/2022 to submit refund request for my student loan payment. The representative told me verbally that request has been submitted however there was no written confirmation. EdFinancial is giving ranges months to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. The wait time is too long and unacceptable. 
As of XX/XX/2022, it looks like my loan balance has been adjusted on my account but my payments have not been refunded. 
I'd like my refund please. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I had an account with Barclays and it was set up for automatic payments every month, on several occasions they failed to deduct the monthly payment, and then charged me for late fees so I paid off the balance and then after I disputed the charges and erroneous credit report entries they closed my account for inactivity. They currently have a bad credit item on my credit report for the last 2.5 years and they refuse to remove it and that is why I discontinued using their services.

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 2022-10-28 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: TX

Complaint narrative:
On XX/XX/22 I submitted a dispute to TransUnion for multiple hard inquiries on my report that I did not recognize nor authorize. 
On XX/XX/22 TransUnion responded and stated that each company does not require my authorization to pull my credit report and I must call them directly. 
On XX/XX/22 I contacted each unauthorized inquiry creditor and was transferred to multiple departments each time with no representative able to find any record of my information, authorization for a credit application, or an application on file. 
On XX/XX/22 I contacted TransUnion via phone to confirm that each creditor has no record of my information on file. I was told by XXXX that they will not remove the dispute and my only course of action was to contact the creditor although they do not have any record of my 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 2022-10-28 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-10-28 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This account is older than 7 years from the FIRET delinquent date. However, another date is given as the original delinquent date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Vehicle loan or lease — Lease
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I made a payment via cashier 's check of {$15000.00} to purchase a vehicle I was leasing through Nissan Motor Acceptance Corporation. They cashed my check on XX/XX/22 but they are still trying to figure out where the funds are internally. They can not release title or stop my account from needing monthly payments because my lease has reached " maturity '' without finding these funds. I need to make a payment tomorrow XX/XX/22 or if not they will report it to my credit report because it is going to be the " second '' payment missed even though they have cashed my check. They basically can not do anything for me until they figure out where they sent my funds internally which is not my problem. I have been calling them constantly to figure this issue. My check shows it was cashed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called capital one about some fraud charges that were made to my account, in the amount of XXXX XXXX they did there job in issuing a new card and helping me initiate the claim, after 8 days of waiting and waiting I called again to check status of claim, still was in review and capital one said 3 of the 7 charges were already approved, today I get a email that my claim was denied. And the only reason stated was we did not find no errors, when I'm a client and I'm reaching out to report these transactions how is it capital one found no errors, don't make sense. My claim was denied and the theifs took of with almost my whole paycheck, capital one did not even bother to temporary credit my account while they did investigation, and now I get a denial notice. I'm reaching out to the consumer protection department here, to see if they have any way to try to help me get my money back from capital one. Capital one is a big bank and can bear a lost like this me and my family are struggling to meet ends meet, and can not take a bear like this, so please reconsider my claim. When I opened capital one bank my money should have been safe and not stolen from me, banks need to understand the difficulties we are facing and how much these acts are affecting its customers. Thank you and hope to hear from you soon. Or Capital One Bank. 
Transactions amounts and dates : 1. {$190.00} - XXXX XXXX, 2022 2. {$120.00} - XXXX XXXX, 2022 3. {$21.00} - XXXX XXXX, 2022 4. {$45.00} XXXX XXXX, 2022 5. {$67.00} XXXX XXXX, 2022 6. {$19.00} XXXX XXXX, 2022 7. {$10.00} XXXX XXXX, 2022 Total was {$490.00} Claim number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-10-28 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: CA

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

Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX and XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AZ

Complaint narrative:
I have been a part of the Equifax XXXX XXXX and I am trying to protect myself from being a victim of identify theft because my information has already been leaked. I am protecting myself from potential risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had matched with someone on XXXX ( XXXX dating app ) they had mentioned some inheritance money that they needed to transfer and move and i said no to begin with. we talked for another month or two before i gave in and said i would let them use my bank account to transfer funds where they needed to go with the hope that i could make a quick buck. I unfortunately gave my banking information to them as the girl said the lawyer needed it to make sure that i do not take all the money and leave so i obliged. The first half of the inheritance money came into the account around XX/XX/XXXX and was transferred out over a few days without any hiccups for a total of $ XXXX that was transferred out through XXXX with bank of america XXXX Three weeks later the second half of the money was to be deposited however due to a fraudulent check noticed by bank of America they had stopped and froze my accounts and are still in the process of closing my accounts for the date is XX/XX/XXXX when they will close my accounts. I have since cut off all communications with this person and i have screenshots of the girl and her lawyer trying to get me to give out my new banking information as they 'wanted to make things right ' because i was now in debt to bank of america for the initial {$9800.00} that came into and was transferred out of my account using XXXX  XXXX the 'lawyer ' i spoke with was wanting information that did not need to be given in order to send me the money to my new bank account in order to pay off the debt i now had with bank of america however i did not give out any information and have since filed a police report with the local north port police with the hopes to get the negative account balance corrected and for me to get the remainder of my funds back from bank of america , a total of {$3400.00}. throughout this whole endeavor none of my money was touched or moved however i now have that {$9800.00} negative balance that i am trying to get corrected as bank of america can not help or reverse this due to the fact that 'the transactions and security codes used were from a known device '

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