vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an American Express XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check.

2. I do not pay my credit card balances. 

I contacted American Express and I was told to reach out to XXXX where they get their information. XXXX stated and confirmed I do pay my credit cards on time and I am not late. I have XXXX consumer cards with American Express and I have never defaulted or made a late payment. I then asked XXXX who is writing bad checks in my name? American Express told me I had returned checks. They stated that they have no bad checks on my credit report. American Express wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
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: VA

Complaint narrative:
There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.

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 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: AVANTE
State: GA

Complaint narrative:
In accordance with the Fair Credit act Avante USA Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have had capital one credit cards for over 10 yrs.Never once have I ever filed a dispute Untill this year and it quite honestly it is the worst thing I could imagine that would come from capital one.The consumer and customer comes last. 

Purchase done on XX/XX/2022 USD {$1200.00} goods never recieved capital one sided with Merchant on XXXX card. 

Purchase done on XX/XX/2022 {$1400.00} goods never received.Disputed, capital one sided with merchant. 

Purchase done on XX/XX/2022 {$900.00} good never received.Disputed with capital one quicksilver again capital one sided with merchant. 

At this point am just sick and tired of this and I havent gotten any help from capital one.I need this charges reversed immediately.Im also going to contact the DOJ and senate banking committee on this practices.In my 10 yrs with this company never in a single day have I ever disputed charges Until this year and this is what i get

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I have a credit check from HYUNDAI CAPITAL AMERICA un XXXX. I live in XXXX XXXX  and never did anything at that time to inquire about a loan from them or anyone. I tried calling to get removed but it took the 4th phone number and different city branch to get ahold of someone that has no idea what to do or where to send me. There is no one to talk to from Hyundai capital and as soon as you call they say to talk to support call different number and company? Please help this is very scammy

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 2022-09-09 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: TX

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: MUFG AMERICAS HOLDINGS CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : I recently ( within the past two weeks ) signed up for a credit card with Union Bank XXXX XXXX and received the card Thursday, XX/XX/2022. In the paperwork that was sent to me with the card, the Summary of Credit Terms states in large font and in bold a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " Annual Percentage Rate ( APR ) for Purchases. Additionally, this Summary of Credit Terms states ( in bold ) a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " APR for Balance Transfers ''. Nowhere on the form does it say that using the card for a purchase after doing a balance transfer will nullify both 0.00 % promotional offers. 

Yesterday ( XXXX XXXX ), I called in to do a balance transfer and transferred {$2800.00} from my XXXX credit card, although I would have preferred to do it via paper or online form but was not able to do so on the Union Bank website ( https : XXXX ). I repeatedly had difficulty understanding the Union Bank employee 's speech and repeatedly made this clear ( our conversation was in English, and I speak fluent English as a first language ), and I did not hear any new warnings that ( despite not mentioning it the Summary of Credit Terms issued to me this week ) that if I use the credit card for a purchase after doing a balance transfer that I would be liable for a 9.99 % interest rate for not only the balance transfer but also all new purchases. I would not have realized it until today ( XX/XX/XXXX ) when I called in to transfer {$4000.00} from my other credit card and was clearly told the terms, which I feel are unfair and so I declined to transfer the additional balance. I spoke with two Union Bank representatives today ( XX/XX/XXXX ) and clearly expressed that I felt I had been misled and that I do NOT agree to paying this bank interest in the first month when the Summary of Credit Terms clearly states that the APR for both purchases and balance transfers are 0.00 % for the first 15 months that my account is open. I was told that I could file a complaint with the company but there is nothing else they or I could do, and now I have to wait 10 business days to hear back from them. Again, this is false advertising at the very least, and completely predatory behavior in my view as a consumer. 

Any help with this issue would be appreciated, I am more than happy to provide a copy of the Summary of Credit Terms that I refer to, please see attached. 

Best Regards, 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 explanation
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX  Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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: NY

Complaint narrative:
I have issued a factual complaint and the reporting agencies responded that the information has been verified as accurate. However, I am highly doubtful that any investigation occurred because my report is filled with lots of inaccuracies across all three reporting agencies.

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 2022-09-09 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: AL

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that 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.

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 explanation
Consumer complaint received 2022-09-09 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit act CB INDIGO  Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. 

This is not a request for you to verify these accounts by checking the original source you got the information from, which is redundant and a complete waste of time. 
This is me notifying you that my rights are being violated by your impartial reporting. It is a violation of my rights. Failure to correct is you being willfully noncompliant, which farther violates my rights and makes you liable.

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 2022-09-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-09-09 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for an XXXX XXXX XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check. 
2. I do not pay my credit card balances. 

I contacted XXXX XXXX and I was told to reach out to Experian where they get their information. Experian stated and confirmed I do pay my credit cards on time and I am not late. I have 3 consumer cards with XXXX XXXX and I have never defaulted or made a late payment. I then asked Experian who is writing bad checks in my name? XXXX XXXX told me I had returned checks. They stated that they have no bad checks on my credit report. XXXX XXXX wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.

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 2022-09-09 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: Capital Accounts, LLC
State: TX

Complaint narrative:
Filed a complaint on XX/XX/2022 with CFPB. Company responded on XX/XX/2022. In the response company stated that they will submit documentation to credit bureaus to delete from credit reports. As of XX/XX/2022 company is still reporting negative information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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 # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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

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 2022-09-09 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  # XXXX, has violated my rights 15 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 a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have an online savings account with Citibank. I don't do much with the account but yesterday I wanted to access it. 

XX/XX/22 I went to sign in, and it wanted to text me a code, except they have a phone number no longer in service. I opted for a phone call, and the rep wanted my ATM pin to help verify the account ( I'd already provided SSI number ). I do not have a credit/debit card for that account, it was opened only for the purpose of a savings account. 

The person I spoke to at Citibank indicated the account had been locked, although he did not know why. He tried to get me signed on but I got a message the site at difficulties. He offered to start all over again, but I'd already been on the phone for an hour and had to attend other things and told him I would try the next day. He said he changed my phone number, so I assumed I would be able to sign in by getting a code the next day. 

XX/XX/22 I called, and very long story short, my account can not be accessed due to some glitch on their end-nor can they tell me why my account has been locked. They did say my phone number had been changed, but that does not reflect when I go to try and sign in. I asked when that would be resolved and was only told the developers were aware of it. I received no information as to why my account had been locked, or why I could not access my money. I asked if I would be notified when it was fixed and was only told again, the developers are working on it. So no clue as to when I could access my money. 

I consider this a major problem. If I had an emergency and needed access to the money immediately, I would be out of luck.

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