vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act Account Name : XXXX RXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Santander board of directors and management team letting them know that they are reporting and attempting to collect an alleged {$16000.00} deficiency balance. I told them that I am disputing the legal validity of the alleged deficiency balance. I also told them that they are attempting to collect a deficiency balance that I am not obligated to pay. They have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. I told them to cease and desist all collection activity, including all credit reporting. I also requested the deletion of all any credit reporting to credit reporting agencies. I told them to write or email me to confirm their compliance with my demand within 14 days. As of today XX/XX/XXXX. I have not receive any correspondence or communication from them. 

Also Santander settled a class action lawsuit with over 34 different states and part of that settlement was for them to delete erroneous inaccurate information from of the customers they took advantage of, credit report. I am one of those customers. As of XX/XX/XXXX Santander is still reporting erroneous inaccurate information on my credit report. Please see details of the class action lawsuit settlement here https : //santandermultistateagsettlement.com/Home/portalid/0 Santander continues to violate the fair credit report act even after the consent order you issued against them back in XX/XX/XXXX https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
My bank always gives me wrong info they have advertise next buissnness the first XXXX from a deposit is available it which isn't true, they never due.tgey accepted and approved my deposit and posted .I show only negative is an available XXXX but when calling they say it's negative they haven't sent ledger and applications like I asked so why do they advertise one thing then act differently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA credit card banking lied to me about the card benefits when I opened the credit card. When I closed the credit card they will not give me the rewards I earned on the card. I am being punished for closing a credit card that was sold to me based on a lie. I called in asking what credit card offers were available to me because I was looking for a 0 % on purchases cards. I had a conversation were I explained multiple times why I wanted a 0 % on purchases, not balance transfers. The USAA representative told me the card was 0 % for both transfers and balance transfers. I used the card for travel and when I returned called to find the first due date only to find out I was lied to that the credit card was 0 % on purchases. I paid the full amount during that phone call and closed the account. Now I am being told I can not redeem the {$45.00} in rewards due to me for using the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 explanation
Consumer complaint received 2023-03-16 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:
In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 Name of Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As 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, 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 know or has reasonable cause to believe that 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 2023-03-16 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: TX

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 confidentially under 15 USC 1681 Name of Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As 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, 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 know or has reasonable cause to believe that 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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello. I have disputed the credit reporting of XXXX XXXX XXXX several times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have uploaded additional documentation with the disputes claims as Experian has requested. However, Experian never updates my balance history and payment history correctly. The balance history and payment history has been incorrect for years. The amounts and dates listed under the paid section are incorrect and erroneous. There are payment amounts listed in which I have never made a payment in that amount. There are also months reflecting missed payments, which is incorrect. I have never missed any payments. 

I have attached copies of the repayment agreement by XXXX XXXX XXXX ' servicer, XXXX XXXX XXXX. I have also uploaded copies of my bank statements showing all payments to XXXX XXXX XXXX XXXX XXXX I have also uploaded a copy of my Experian credit credit report dated 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 2023-03-16 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: GA

Complaint narrative:
XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses

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 2023-03-16 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: NY

Complaint narrative:
-15 U.S.C 1681 section 602A. states i have the right to privacy.

-15 U, S, C 1681 section 604A. it also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-03-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, XXXX XXXX A 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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I had a fraud charge made XX/XX/XXXX {$7300.00} appear on my account and I found my card was lost/stolen. I contacted Upgrade XX/XX/XXXX to report the transaction as fraud and my card missing and was told the investigations team would follow up. Upgrade misfiled my dispute and I didn't receive any contact until I called back in on XX/XX/XXXX. They then began my dispute process and only requested a written statement of what occurred via email on XX/XX/XXXX, which I replied to same day. I then received an email requesting I file a police report on XX/XX/XXXX. I replied XX/XX/XXXX with a copy of the filed police report. I was notified of the dispute being denied XX/XX/XXXX via email for the reasons : No aggressive decline attempts present. 
Account activity does not align with usual fraud patterns. Police report does not support the dispute. I replied the same day to get more details which was not provided. I contacted upgrade XX/XX/XXXX to appeal the decision as i had provided all details when requested and cooperated with investigation. I was given a callback which I responded to on XX/XX/XXXX and I was told they can not reopen the investigation. Being that I first notified them via phone call XX/XX/XXXX they have placed the charge back on my account outside of the 90 day timeframe of regulation z.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: VA

Complaint narrative:
I spoke with XXXX in the fraud department at XXXX. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. 
Per the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have been leasing Honda automobiles continuously since XXXX. 

I leased a new Honda XXXX in XX/XX/XXXX, for a 3 year term. Toward the end of the 3 year term, I informed Honda that I would like to extend the lease for 6 months. Honda sent me a lease extension agreement by email in XX/XX/XXXX. Unfortunately, I did not return the signed lease agreement until this week. ( I was unable to download the attachment, as it appeared to the network filters as spam. ) I MADE ALL PAYMENTS ON TIME AND DID NOT MISS A SINGLE PAYMENT. 

Honda repossessed the vehicle on XX/XX/XXXX, claiming they did so because I did not return the lease extension they sent me. 

Under NY law, I believe I have the right to cure this defect by submitting the required, signed agreement. I did not willfully ignore the requirement to sign the extension. Honda will not budge, and they claim they will put the car up for auction and will not permit me to resume leasing the vehicle. I am facing potentially thousands of dollars of debt if the car sells at a low price at auction.

I believe that Honda is violating my rights by not permitting me to resume my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Capital was involved in a lawsuit that I was a part of. They used misleading terms and advertising to get me to sign up for 3 credit cards. I have contacted XXXX XXXX XXXX over 20 times to explain and send a copy of the settlement. 
They have never I am disputing these collections. I was relived of my obligation to these accounts. In addition the dates on the 3 accounts are all wrong and they change form open to close all the time. I Also when I called the last time, they threated to sue me. 
There are 3 accounts {$1900.00} {$2700.00} {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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:
In accordance with the fair credit reporting act, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX XXXXXXXX acct. # XXXX. 

15 USC 1681 Section 602 A 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.

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