vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 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:
Delete Late payments from XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Around the time i opened the credit card, i was making payments on time but i lost my job. And they closed the account put interest on it and sent it to collections. I has become a hardship for me because i cant get anything approved even apartments. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n 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 non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
AGAIN NAVY FEDERAL CREDIT UNION has denied me for an emergency medical loan for {$2000.00}. Even though the last payments on my credit report are old ones, my credit score went up XXXX points. I am sick and tired of filing complaints against NFCU. As a veteran with over 35 years membership, I thought I could count on them. They have over {$4900.00} directly deposited every month. Yes, Im behind thats why I want to consolidate or get a loan so that I can have one bill ( the repayment of the loan ). I am very upset as I trusted NFCU to take care of their own. But it seems people who have money and people who lie can get money, but honest service connected veterans like myself catch XXXX trying to catch up which in turn affects our mental health. All I wanted was to catch up on my bills, thats it. I want this published because I hear a lot of complaints from veterans but I want others to see its ok to publish. It wont hurt. Thank you, XXXX XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: CA

Complaint narrative:
I have a secured credit card with First Progress, I am in the process of moving and got a notification of a massive decline in my credit score, it was through some investigation that I was able to ascertain the source being FirstProgress. The late charge is for an annual membership fee which when set up was on auto renewal and yet somehow didnt take hold on their end. My complaint is that according to their user agreement I am to be informed of any late payments or just in general I am supposed to receive account statements which would have done similar. Although I had attempted to update my address the company confirmed that no such messages were sent to me about late payments or any attempt to rectify this issue before reporting to the credit bureaus. When I realized this payment was due I immediately made the payment of the fee and the late charge associated with it. But because of the lax system in place with first progress another charge was affixed to the account before the payment transaction concluded. This is a secured credit card whoms only perceived purpose is to help build credit and in fact it serves to do the exact opposite by failing to uphold even the most basic standards present in other credit card companies and even its own user agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
1. I have BEST BUY charge card. The card is processed by XXXX. 
2. Sometime ago I bought a few items and returned without using them and within the return period.

3. So, I do not owe any amount on the card.

4. Citibank, the Best Buy card processor has been harassing me for amounts which I do not owe.

5. Still, unwittingly I paid {$80.00}. 
6. I visited XXXX XXXX in XXXX XXXX, XXXX, XXXX and explained the problem. They said they can not help and advised me to contact Citibank.

7. I contacted Citibank, explained I do not owe any money to Best Buy. Citib ank stated calling me every day early in the morning.

8. Frustrated, I am submitting this Complaint to CFPB for resolution and peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05 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:
Delete Late payments from XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n 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 non-monetary relief
Consumer complaint received 2022-09-05 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:
Delete Late payments from XXXX XXXXXXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n 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 non-monetary relief
Consumer complaint received 2022-09-05 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: PA

Complaint narrative:
It is impossible for a charge off to be an open account, it is being reported as an open charge off.

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 2022-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX The car engine blew and the company XXXX want to fix the vehicle which was under warranty. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n 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 non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
good evening the debt is not owe the account is XXXX XXXX XXXXXXXX date XX/XX/XXXX next account XXXX XXXX XXXX XXXX XXXX, next account XXXX XXXX XXXX XXXX date XX/XX/XXXX. never do bussiness with these company under the rule of Law information should by private under section 602 rule please delete these account from my creadit file please thank you very much

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 2022-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XXXX XX/XX/XXXX, Goldman Sachs ( GS ) Bank routinely email-notified this longtime customer his ( XX/XX/XXXX ) monthly statement was available in his online savings account, but then maliciously blocked electronic access to that XXXX / veteran 's / GS stockholder 's account until the customer first provided answers to some additional invasive corporate private banking questions under the misguided warning such answers were MANDATORY! 

In XXXX then-President Bush signed the US Patriot Act reportedly giving financial institutions authority to ask customers ( especially foeign nationals, which I am not ) full name, social security number, birth date, and contact information ( e.g., address, email addresses and or phone numbers ). 

I have no problem with this and readily provided this information to Goldman XXXX. 

The Patriot Act also reportedly encouraged financial institutions to get to " know their customers '' by asking additional VOLUNTARY questions, like : current employment status ; occupation ; sources of income ; marital status ; whatever. Such information could help the government track illegal activities such as " money laundering '' and financial institutions could more intimately tailor loans and other products to more effectively market them to banking customers. 

Goldman Sachs cutoff with malice my online account access unless l ( and apparently all their other online banking customers ) first answered these strictly-VOLUNTARY questions. 

Almost a full week into the new month I am still totally locked out from online access to my web-based Goldman Sachs Bank savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # 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. 
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 2022-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
After purchasing my 2022 XXXX XXXX XXXX in XXXX of 2022, I did not receive my title for more than two months. At that point, I received a " title for registration purposes only '' in the state of XXXX 

After relocating to the state of XXXX in XXXX, I was told this title was unacceptable for registering my vehicle, which is my only mode of transportation. I formally submitted a request via mail to Hyundai Motor finance the second week of XXXX. 

Since then, I have called upwards of 10 times in an attempt to get through to the title department to determine when my title will be sent to the DMV in XXXX  so I can register my car. I have had success getting through one time in the beginning of XXXX and was told my transfer was " in process '' but it is my responsibility to continue following up to ensure the transfer goes " smoothly. '' At this point, on XX/XX/XXXX, the DMV has still not received my title and I can not legally drive my car.

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 2022-09-05 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:
Delete Late payments from XXXX XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: NY

Complaint narrative:
My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that XXXX, XXXX and TRANSUNION eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.

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 2022-09-05 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: NY

Complaint narrative:
My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that EXPERIAN, XXXX and XXXX eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.

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