vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. I will also attached a copy from XXXX XXXX  saying they deleted those bankruptcy account from their end as well. These inaccurate accounts are affecting me tremedously and Its putting me in position were I can't do anything.

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 2023-01-04 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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. I will also attached a copy from XXXX XXXX saying they deleted those bankruptcy account from their end as well. These inaccurate accounts are affecting me tremedously and Its putting me in position were I can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Hi, Property taxes were reduced drastically, company was contacted on XX/XX/XXXX in regards to Escrow Recalculation as a Refund was due to me and Escrow was overfunded. The Customer Care Team confirmed to me via writing that the next escrow analysis, based on my state, was scheduled for XX/XX/2022. I contacted Freedom Mortgage again in XXXX and they mentioned they would look into it. 

My name is XXXX XXXX, my XXXX # is XXXX with Freedom Mortgage

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 2023-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has ATMs located inside XXXX stores throughout the state. Since most bank branches near me have closed this is the most convenient option for depositing money into my account. On XX/XX/XXXX I went to ATM at XXXX  # XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, and made a deposit of {$2500.00}. 

During the deposit, the machine begin to malfunction and make loud beeping sounds, there was an alert that says money can not take please collect the bill but I was only given {$20.00} back. At this time my card was still in the machine so I waited at the machine until the beeping stopped and attempted to get my card and money back. After about XXXX mins the machine finally released my card with no money. When I tried to speak with the XXXX of XXXX I was told she has nothing to do with the machine and to call the number listed. 

When I reached out to XXXX I was left on hold for XXXX mins before the representative answered and hung up on me. I attempted to call back XXXX more times to be prompted by a busy signal. I then reached out to my bank to file a complaint and have been met with nothing but hassle. 

I filed a claim but have not been refunded my money back. I make deposits at the same time every month for bills and there should have been more XXXX especially since there was an issue with CAPITAL ONE 's ATM. I attempted to speak with a customer service representative and was laughed at and told there was nothing they can do to assist me. Someone needs to hold them accountable for not conducting proper maintenance on these machines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased this vehicle back in XXXX of 2019 at a dealership were I was promised that I would get a great deal. They charged me a finance charge of XXXX and a down payment of XXXX with payments coming out to XXXX a month. In addition they charged an annual interest rate of XXXX XXXX which after checking in the state of California was way over the normal XXXX XXXX percent. Looking back, this was a loan way over normal what other lenders charge. They took advantage of my situation, I needed a car an this was presented to me as an option. Now looking back, I'm paying in total of XXXX over the course for a car that was only work XXXX which I ended paying XXXX before interest. 

After doing some research they have violated the usury laws in California and I'm asking the CFPB to help me resolve this issue. I'm consistently getting calls non stop everyday on payments that I'm behind. I've gotten threats on having my credit destroyed and car repossessed. I'm behind payments, I've asked them in the past to lower my payments or adding payments in the back of the loan but to no progress. I'm credit is ruined due to them reporting late payments, I can't refinance out of this predatory lending.

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 2023-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These credit bureaus negligently aren't looking to falsely reporting incorrect data. Disputed already and are acknowledging improper following on my consumer rights. Attempted to get this removed off my record for breaking multiple US code rights. 

XXXX XXXXXXXX XXXX XXXXXXXX. As you are able to see below this account is in clear violation of 15 U.S. Code 1681e - Compliance procedures. Which clearly states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures TO ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1666b - TIMING OF PAYMENTS. Which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S Code 1692g - VALIDATION OF DEBTS. Which clearly states The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1681a ( D2 b ) - Definitions ; rules of construction - Exclusions. Which clearly states the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH 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 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
I tried disputing it on the website they provided. As indicated, it is quite misleading as to the ability to dispute it. More importantly, when I clicked " send '' it did not allow to send. Please assist. 

I received collection letters from you. Ref # XXXX and XXXX I paid XXXX at the time of the visits. i specifically asked how much it was and paid it. Now, I receive these bills saying I owe more? I never agreed to this. 

In addition, your letter says " we accept disputes electronically at ... .. '' This is quite misleading. There is nothing that states where to dispute. I had to needlessly search around your site just to find this. Please stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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:
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 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 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 non-monetary relief
Consumer complaint received 2023-01-04 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:
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 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, 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 non-monetary relief
Consumer complaint received 2023-01-04 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: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I was never late on a payment. The monthly amount was automatically sent. At the end of the lease there was a lease termination fee that was not included. I had leased several times through this company. This was not automatically paid. This did not come to my attention for several months and was immediately paid through biller website. 
It is listed as sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This XXXX loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and Transunion ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). XXXX has failed to proved me with any documents. XXXX also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This XXXX loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( Experian and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). XXXX has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.

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 2023-01-04 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: CT

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF THE WEST
State: NV

Complaint narrative:
Bank of the West promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called to their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to upper level but till today XX/XX/2023, I didnt receive this money.

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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I never entered any agreement to do business with this company. They also sent me a notice in the mail in a thin envelope with CREDIT COLLECTION SERVICES on the first page. This is visible in person and also online when the post office scans the mail in daily. That is a violation. I know personally there are envelopes that ensure privacy. This is a sneaky way around the rule.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation