vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one closed my credit card due to a returned payment for {$30.00} from a banking error where they tried to process a transaction I asked them not to on auto pay. They caused the payment to return and then closed my account when I have always paid it on time. 

I had even sent an additional {$100.00} payment the same day that cleared and went through. I desperately needed to use that money and capital one didn't care about my misfortune. I told them either unlock my credit card after verifying the return payment was just a simple mistake, or it they're gon na close it to refund that {$100.00} I just submitted. I did not sent {$100.00} for them to just close my account and then take that anyways and do nothing for me. 

This needs to be made right. They also lied to me telling me I was over my credit limit when that's not true. I called during this emergency and was granted a {$250.00} credit line increase. They then later claim that I'm over the limit and that nobody authorized any {$250.00} increase when clearly they did because I used it and there were charges reflected on the statement and online accounts. I really don't appreciate the lies or how I was treated by capital one at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I suffer from XXXX XXXX XXXX XXXXXXXX and XXXX as well as XXXX XXXX XXXX which is greatly agitated by stress. I have reached out to lender to explain to them that once the funds are available I will make a payment. They requested that I reach out to them and I have reached out to them to request that they no do not call me. The individual that I spoke with states that he would not be able to comply with that request as I owe them money. I explained to him that I did not say that I don't owe the money however, would rather not to be contact as I will reach out to him when funds were available. Lender states that he does not have to comply with my request as he is not a collection agency. Although correspondence states otherwise. Unwarranted calls are detrimental to my mental health. Representative that I spoke with on the phones states that he does not have to comply with my request as I owe them money. I explained that I did contact them to inform them that I would make the payment, already and is not necessary for them to call as I will reach out to them when funds were available. 
XXXX XXXX Legal Collector Legal Department New City Funding Corp . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record untilXX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, TX 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 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 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 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act,XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, NC 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 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 2022-06-17 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: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 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 explanation
Consumer complaint received 2022-06-17 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: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a payment on a credit card account under a 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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Social Finance, Inc.
State: CA

Complaint narrative:
A restriction was placed on my account over a year ago and I tried contacting the business several times and they werent helpful and only answer they been providing was that the account is under investigation untill a couple months ago I contacted them and they said the investigation has been completed and the account is being closed and any remaining fund in the account will be transferred to a external bank of my choice and they arviced someone will reach out to finish the proccess soon and help me transfer my money which is around {$6600.00}. Its been already a couple months and still no one has been reached out to me. i tried contacting them a few times but they just not being helpful and Im not sure what to do. I would like to request the business to contact me immediately and help me resolve the issue and transfer my money to my bank. It has been over a year already and any delay at this point is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: AL

Complaint narrative:
Installment loan of {$520.00} was paid off and the company deposited the amount {$120.00} and {$400.00} was on the credit card. The company closed the account completely and have not reimbursed me the {$400.00}. I have been calling daily and have not been able to get in contact with the company. Holds times are hours at a time. I want to be reimbursed for the {$400.00}. Now, its tell me to pay the minimum of {$25.00} and available will be {$370.00} on the website. I would like this account to be closed and refunded. Requesting that the company do not report anything negative to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX COMPANY Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX 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 2022-06-17 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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 2022-06-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have a credit inquiry by USAA bank on my experience report. This inquiry was not done/ authorized by me. I have called the bank and they are stopping the account but can not remove the inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a payment on a credit card account under a 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one has me sending multiple documents to verify my identity Back and front on my license, Social security Card and now they are asking for a complete copy of my bank statement. I told them I did not feel comfortable sending all this information to them. They already verified my license and social security number but apparently thats not enough. I would also like to mention I have a car loan through capital one. I asked them to close the account that was restricted knowing it will poorly effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a payment on a credit card account under a 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 2022-06-17 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: CA

Complaint narrative:
Experian inaccurately reports a XXXX XXXX account to my credit file. The following account was allegedly charged off in XX/XX/XXXX. Since then it has repeatedly been updated as charged off every month. This is an update to the payment history of my credit file ; which to my understanding, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations and violates my rights as a consumer per the FCRA. 

I have already spoken to a representative via telephone, and have explained that this invalid account is hindering my ability to obtain new accounts and costing me thousands in interest each year due to their mistake. They advise me to send a dispute letter via mail, which I do, with no response. 

This account has not been reported to XXXX or XXXX, only Experian, and the company refuses to delete this account from my file. I even paid XXXX XXXX {$120.00} ( proof was mailed to Experian ) in attempt to settle and close/ delete the account in XX/XX/XXXX but again, Experian refuses to respond or delete the account. 

I have tried numerous times to dispute this invalid account with Experian, only to receive no response and no update to my disputes. My last dispute letter was mailed to Experian on XX/XX/XXXX with no response and no attempt to investigate further into this matter, which is a violation to my rights as a consumer. 

I am demanding a deletion of the following account immediately : XXXX 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 2022-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022. 

EXPERIAN CREDIT BUREAU has reported an incorrect account as a collection without any proof or verifications because I HAVE NEVER had an account with XXXX. XXXX CAN NOT VERIFY MY PERSONAL INFORMATION, SIGNED CONTRACT AGREEMENTS, PHONE RECORDINGS, CREDIT CARD INFO ETC. THIS ACCOUNT WAS PREVIOUSLY REMOVED FROM ALL 3 CREDIT BUREAUS TWICE FOR FALSIFICATION.

PROVIDE ME WITH ALL LEGAL VERIFICATION

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 2022-06-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo

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 2022-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted several disputes to Equifax advising that my address is not XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

My address is XXXX XXXX XXXX, XXXX, TX XXXX. 

Equifax keeps confirming that the address is valid and they are sending my personal credit report to an address where I do not reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONRAD CREDIT CORPORATION
State: AR

Complaint narrative:
My credit was pulled for a home loan and there is a collection account that shows paid on my account. I have disputed the account with the credit bureaus and have been told the account came back confirmed. I have reached out to them and can only tell me they purchased the account and have very little back up.

Company response to consumer: Closed with explanation