vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 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: TRUIST FINANCIAL CORPORATION
State: IL

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

15 U.S.C 1681 section 602 A. States I have a 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 explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This whole week from the dates XXXX Toyota of XXXX continuously is violating my rights as a consumer. They are continuously, providing misleading and incorrect information. They are denying me credit on prohibited basis. Theyre discriminating against me in in which they dont answer my calls. When I call them, they send me to the regional call line instead of answering my calls directly they send me to one department them to another department into another department and its just a run around. They are not explaining in its entirety what the finance charge is and includes. 
They continuously withhold information by which I mean the continuously deny giving me numbers to either theyre underwriter or their finance manager

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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 XXXX5 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 non-monetary relief
Consumer complaint received 2023-03-19 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: 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 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 non-monetary relief
Consumer complaint received 2023-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Incorrect inquiry from capital one bank on XX/XX/23 From XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please delete these inquires from my report as they do not belong to me and I have included my ID and the Identity theft report. 


XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023

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 2023-03-19 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect inquiry from XXXX XXXX XXXX on XX/XX/23 From Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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:
This is for ALL XXXX XXXX XXXX XXXX XXXX  as they are reporting inaccurately. There have been multiple violations as I have sent multiple dispute letters to TransUnion pertaining to these accounts. I am also asking for these accounts to not be update on my credit report until this has been resolved, as they have been previously update while in dispute statuses. These accounts have come back as accurate and verified by TransUnion which I find to be 100 % unlawful considering the below listed violations. 

1 ) 15 USC 1681 Accuracy and Fairness of Credit Reporting has been violated! 
How can an account with an alleged debt amount that is charged off increase the amount owed every month for years? If an account is in collections or charged off the amount doesnt increase, this is grounds for deletion due to whats being report is false and inaccurate 2 ) Violation According to the IRS charge offs are considered Gross and Ordinary Income, so how is this allowed to be on my credit report? This is also inaccurate reporting! I am to receive a 1099C for alleged debt above {$600.00}, which I have NEVER received per the IRS! 

3 ) Violation of 15 USC 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information 4 ) Violation of FCRA 623 5 ( a ) Duty to Provide Notice of Delinquency of Accounts states it should report the month and year, it does not state to continuously report a C/O for as long as the account is charged off or until it is paid off, this is Illegal!

5 ) Violation of 15 USC 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms that this law states I should have received 6 ) Violation of 15 USC 6801 Protection of Nonpublic Personal Information 7 ) in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 Subsection A-D, I asked for TransUnion to provide me with proof that the information was indeed verified, and not a computer- generated confirmation. I asked TransUnion to proved me with the following : 1 ) the method of communication 2 ) the documentation used to verify my disputes 3 ) who did they speak with?

4 ) what was the date?

5 ) how long were the conversations?

6 ) what number did they call?

7 ) What was the name of the employee that spoke directly to the creditor?

8 ) what was the position of the person to whom they spoke with?

9 ) what was the address? 
I did not receive any answers to these verification questions, my verifications were ignored as my credit continues to be ruined! 

I have sent a copies of my identification to TransUnion

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 2023-03-19 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Creditor/Bureau, I am writing to dispute several items on my credit report that are causing my credit score to be very low, and I believe that these items are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute the following negative items : XXXXXXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
XXXX XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
The FCRA requires that credit reporting agencies and creditors report accurate and complete information about consumers ' credit histories. It also requires that they investigate any disputes that consumers raise about the accuracy of their credit reports. I believe that the inclusion of these negative items on my credit report is inaccurate and unfair, and that they are in violation of the FCRA. 

I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or in violation of any applicable laws or regulations. If you can not verify the accuracy of these items, I request that you delete them from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There is an account on my Experian credit report labeled as " XXXX ''. That credit card was stolen in early XXXX, and after I cleared up that incident with the company, there was no amount due, and no late payments. I have never had an amount due or late payments on any accounts, to show a pattern of my financial history. I requested to close my accounting XX/XX/XXXX and was notified by their legal and customer service departments that my account was indeed closed with nothing due and never being late. However, the company fraudulently opened the account in late XXXX without my knowledge or approval. They then reported an amount due late payments after my account had been closed. I provided the proof of information, from XXXX, to Experian showing that my account was closed in XXXX of XXXX, and therefore couldn't be late in XXXX of XXXX or in XXXX. Experian took no action. I notified Experian that failure to correct the information was a violation of the Fair Credit Reporting Act ( FCRA ), and still they took no action. As a result, a mortgage was processing for a purchase of a home, and that loan company increased my rate due to this potential negative information that was false, yet Experian refused to remove. Before I take further legal action, I ask CFPB to take this matter to Experian to both update my report to include the correct information and to pay for the increased costs that I have been burdened with due to the illegal non-action of Experian, which is essentially aiding in the fraudulent activity of XXXX XXXX and 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 2023-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX had filed a law suit against me back in XXXX i wan na say for old credit card i had back in year XXXXOk the files a court order to collect on that old chase card which was i wan na say close to XXXX. Well they did won because i because i did not go to the hearing. In year XXXX i had resign from my job so then they try to collect from my bank account which they only got XXXX dollars out of it. They been trying to collect from that credit. Well in year XXXX again sue me for XXXX and they won so i just let them collect. They been a pain in XXXX  XXXX for awhile. Ok i am almost done from paying this credit off which the credit was now a little bit over XXXX which the court costs and everything. Now i get a letter from then stating that they went to court which i thought it was paper to lift the garnishment. No now they are trying to charge me interest on the debt which is the amount of XXXX. My friends told me that can not do that and i read on this too and they are right this company can not do that on old debt. I know they just trying to get more money out of me and that is why i need to know when i can do because i did call and they were rude and told me that was interest on the debt. Can you help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: Central Portfolio Control Inc.
State: NC

Complaint narrative:
I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also XXXX will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting XXXX different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also XXXX will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NY

Complaint narrative:
In XXXX, 2023 I got a Collection record from " First Credit Services '' in the amount of {$540.00} for a gym membership I never attended or signed up for. My credit report doesn't even state the original creditor 's name, nor the account number, had to investigate myself. I have reached out to the company, but was told that it was passed on to the collection agency and they " can't do anything about it ''. Filed disputes with credit reporting agencies with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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:
I am a natural person, I am a living human being, I have rights under 12 USC 1681.

Transunion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX 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 2023-03-19 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account XXXX : XXXX I have no recollection of ever having an account with XXXX XXXX XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX. As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief