vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 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 sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via XXXX and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Applied for a refinance with Pentagon Federal Credit Union for XXXX XX/XX/XXXX Was told then that the amount was small but they continued to process the refinance Included my wife. Told in emails that we had until XX/XX/XXXX to obtain the intent to proceed. PenFed told me that the entire process must be completed within 30 days told to pay {$600.00} for the appraisal on XX/XX/XXXX told thank you for choosing PenFed on XX/XX/XXXX told on XX/XX/XXXX which documents needed. 
PenFed told us on XX/XX/XXXX that a response was needed no later than today at XXXX AM my wife replied by XXXX AM Here is the last email from PenFed dated XX/XX/XXXX -- Thank you for sending those. After reviewing them it looks like we are only missing the following : Unless you filed your XXXX taxes than we will need those in leu-of of ones below. Thank you Kindly. 

I opened a complaint with The XXXX XXXX XXXX regarding this matter when all attempts to contact PenFed through phone calls, emails, and letter no reply from PenFed happened until they were contacted by the XXXX. PenFed concluded that by XX/XX/XXXX we did not supply all the necessary documentation? and that the application was withdrawn for incompleteness

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 2022-08-01 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
RESPONSE TO COMPLAINT # XXXX Dear EQUIFAX, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can not provide this information please delete the below accounts. 

Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : US DEPT ED Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX 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.

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.

Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that 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 2022-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
1. On XX/XX/2022, I granted, conveyed, transferred, pay, assign, deliver, my security interest my rights upon the debt instrument ( payoff quote ) in the form of a promissory note as cash payment dollar for dollar for full settlement and discharge of the total obligation due as a pre-payment. via Negotiable Instrument transaction. 
2. GM FINANCIAL after keeping all full payments I presented to them for discharge had hired XXXX XXXX XXXX to take my private personal property my vehicle while I was currently inside the automobile ( XXXX XXXX XXXX XXXX # XXXX on XX/XX/2022. I received a letter by GM FINANCIAL on XX/XX/202, of the sell of my property that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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:
On XX/XX/2022 I sent a letter via regular XXXX mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -XXXX XXXX XXXX XXXX XXXXXXXX Identification XXXX : XXXX -XXXX Partial Acct # : XXXX XXXX XXXX Partial Acct # XXXX -XXXX Partial Acct # : XXXX - XXXX XXXX XXXX XXXX, # XXXX 15 U.S. Code 1681 section 602 A states that XXXX have a right to privacy 15 U.S. Code 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 2022-08-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX @ XXXX PM CDT - Reserved a hotel room. For 3 nights. 
XX/XX/XXXX @ XXXX PM CST - Was notified of a COVID exposure while still in attendance at a work event. 
XX/XX/XXXX @ XXXX PM CDT - Notified service Provider of need to cancel reservation. 
XX/XX/XXXX XXXX AM CDT - Did not hear back from service provider ( XXXX ) and out of concern, submitted dispute with Card Provider ( Chase ). 

Despite due diligence and dispatch on my part, both parties failed to act in a timely manner and upon hitting some kind of threshold, Chase simply reached out and told me they were declining to pursue my dispute. They never bothered to collect documentation from me which show my active efforts to resolve this issue through both their and XXXX 's customer service channels even prior to the reservation starting. This could have been resolved to everyone 's satisfaction had they simply engaged me. I would have accepted partial settlement of some kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: MT

Complaint narrative:
I leased a new XXXX BMW. It has been defective for nearly every month during my leasing experience. It remains defective. I believe it will always be defective and will NEVER stop being defective. 

I contacted BMW Financial Services, which is the single most ethically-challenged company in the history of the world. I was told, in a letter, that I could " return the vehicle to a BMW dealership. '' I did this. BMW Financial Services, because it can not do anything without misleading or misrepresenting, blocked the BMW dealer from paying off the car. 

So, here is what I have. I have a letter from BMW indicating I could return the car to a BMW dealership. The letter is a pure misrepresentation, as BMW declined me from doing so after it wrote the letter. 

Now, as a result of my latest complaint, BMW Financial Services has issued me yet another letter. Now, despite the language in my lease or their previous letters, their latest creative misrepresentation letter says : " As stated in our previous response, pursuant to the terms of your Motor Vehicle Lease Agreement ( Lease Agreement ), you have the option to either purchase the leased vehicle or terminate the Lease early by returning the vehicle to a location selected by BMW XXXX  and paying the amount due under either Option A or Option B of Section 30 of your Lease Agreement. Pursuant to Section 35 of your Lease Agreement, you may not transfer the vehicle to a third party without the prior written approval of BMW XXXX. A copy of the Lease Agreement is enclosed for your review. '' So, now, I am asking BMW Financial Services to provide me, in writing, a full and exhaustive list of " locations '' where I may return this wholly defective car which has always been defective, is currently defective, and will always be defective. 

I'll wait for you next response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting XXXX XXXX on my credit report which is past the reporting date. The account 's first late payments were in XXXX and XXXX of XXXX and should be removed.

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 2022-08-02 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: UT

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or 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. 

TransUnion Name : XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX UNIVERSITY Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX Collecons : XXXXXXXX  XXXX XXXX  SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SELF-REPORTED XXXX XXXX Employers : XXXX  XXXX  Addresses : XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX UHEAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A Sates I have the right to privacy 15 U.S.C 1681 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
Consumer complaint received 2022-08-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I alerted Equifax to incorrect information being published to my credit report regarding 3 accounts appearing with a balance when the balance should be XXXX. I asked for the information to be properly validated, pursuant to the XXXX, and that the information be correctly updated. Equifax has failed to validate the information it has published to my report, they have not sent me any information regarding their method of validation, and the incorrect information is still appearing on my report. It is having an adverse effect on my life, my credit, and my ability to meet my basic needs. 

On XX/XX/2022, Equifax gave a very general, non-specific, non-response to my complaint. I have provided specifics to Equifax on several occasions - there is no reason why my claims could not have been investigated and handled pursuant to my original CFPB complaint regarding this issue ( XXXX ). 

I am creating this second complaint and including more details here for the convenience of Equifax. All details regarding the incorrect accounts in need of correction, fraud affidavit, and other identifying information are included with the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Foursight Holding LLC
State: OH

Complaint narrative:
On XX/XX/2022, I mailed in legal tender in the form of a money order for the amount of {$1600.00}. It was received by Foursight Capital on XX/XX/2022. Today on XX/XX/2022, I called Foursight to see when my money order would be processed and the credits applied to my account and the agent told me that my money order was shredded and discarded. Foursight never called me to discuss any issues with my money order. I was told that Foursight doesn't have an accounting, legal or any other department that handles billing errors and issues such as this one. Assuming that Foursight Capital operates under federal and international financial laws, they aren't upholding them when dealing with my account.

Company response to consumer: Closed with explanation