vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Luckmore Finance
State: LA

Complaint narrative:
XXXX XXXX from Luckmore Finance Corp replied to my CFPB complaint XXXX stating they offered me a counteroffer and to call to discuss the terms, which is false. I was advised they could not help me and I needed a co-signer and a more current collateral. I called and spoke to XXXX to counteroffer at {$1000.00} then {$2000.00} from the original {$3500.00} I applied for. XXXX advised he had to speak to the owner XXXX and would call back in five minutes rather he spoke to XXXX or not. I did not receive a call, so after two plus hours I called but XXXX was on lunch. I received XXXX information from XXXX, so I called XXXX about the counteroffer offer. XXXX was irate that I filed an CFPB complaint and asked why would I do that. XXXX told me he does not want to do business with me because I filed an CFPB complaint. Federal law is XXXX, XXXX said. XXXX has continuously violated the federal laws. This ordeal is stressful and embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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:
On XX/XX/2022 I sent a letter to Experian explaining I was the victim of identity theft including the identity theft report regarding XXXX XXXX XXXX XXXX XXXX in the amounts of {$360.00}, a collection without an amount. It has been XXXX ( XXXX ) months and no action has been taken to remove these from my account.

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 2022-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I applied online to open a savings account with XXXX Bank. I entered the requested information in the first step of the application process and was denied and unable to advance to the second step of the application. I immediately contacted the company and spoke to a customer service agent to inquire about my denial. The agent said that based on the information I submitted in the application they were unable to open an account for me, and there was no additional information they could provide me as to why. I asked to speak to a manager, to which the agent responded there was no one available for me to speak to at that time, as managers were out of town training. After contacting XXXX and receiving a report that displayed no negative or derogatory information in my file, I called XXXX XXXX again on XX/XX/XXXX and requested to know what consumer reporting agency was used to make their decision. After saying that by law, I had a right to know, the agent said XXXX was the company they used. I've yet to receive a verbal or written reason as to what information in my application caused the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I set my XXXX on auto pay for payment. During the setup, I didn't know the setup took the original set for {$3400.00} and payed on XXXX ( transaction reference number XXXX ). During the process, I didn't believe took, so XXXX setup auto pay for second {$4000.00} to ensure the payment was setup. 

I am a XXXX  veteran, and I am out paying at a doctors appointment when my AMEX was declined, I was astonished because I just made a payment XXXX on XXXX. I called AMEX when they explained me its there policy that the payment has to be declined XXXX times before they will reactivate my card for use! This seems highly wrong for someone that just made payments and this extra transaction that was cancelled with XXXX and cleared with XXXX STILL on XXXX XXXX my card is inactive, made an attempts to stop it and clear it with AMEX with prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
REACHED OUT TO XXXX, XXXX, AND TRANSUNION IN A XXXX OF XXXX TO DISPUTE VIA PHONE OR ONLINE TO HAVE THIS REMOVED AFTER BEING DENIED FOR A HOME A PROVIDING PROOF THIS IS INACCURATE REPORTING AND THIS INFORMATION WAS NOT FURNISHED BY THE COURTS. THEY CAN NOT TELL ME HOW THIS WAS PROVIDED AND WHO GAVE THEM THIS INFORMATION SO, THIS 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 non-monetary relief
Consumer complaint received 2022-12-14 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: MI

Complaint narrative:
To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

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 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 non-monetary relief
Consumer complaint received 2022-12-14 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: TX

Complaint narrative:
I notified Transunion on XX/XX/XXXX that information on my credit report was inaccurate and that the furnisher never validated the information. I asked them to conduct and investigation and correct or remove the inaccurate information and they failed. They are continuing to report inaccurate information and refuse to conduct a proper investigation.

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 2022-12-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.

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 2022-12-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I submitted numerous complaints about this situation but ad astra still not giving a clear path to resolve this matter, ad astra never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for ad astra. I was home and suffered from covid illness, majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, ad astra knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I recently traded a XXXXXXXX XXXX in for a XXXX tundra at XXXX of XXXX XXXX. In the deal they agreed to pay out my old truck at XXXX XXXX which is what I owed and to sell me the new truck for XXXX XXXX. When I got my first bill it was close to XXXX XXXX. I contacted the dealer to find out they only paid XXXX XXXX for my trade and they added XXXX XXXX dollars in extra warranties and insurances I had didnt know even existed. They never gave me a copy of the contract. They wrote the wrong name on the contract. They also never explained any of the contract which is required by law they do. I have since had them remove the extra charges yet my loan amount is still XXXX XXXX so my payments are still for an XXXX XXXX loan. Also my i street rate is for the XXXX XXXX as well. I never agreed to this amount. I have contacted XXXX XXXX several times and the dealer as well and I was told at the dealer I have to buy another vehicle and I have to pay sales taxes on the new and old vehicle. I just spoke to the sales manager today and was just hung up on and told i can refinance which I cant or buy a lesser vehicle and pay the sales taxes on both the vehicles. Then he hung up on me. Ive been contacting the dealer about this since XXXX as well as XXXX XXXX. Nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: TX

Complaint narrative:
On XX/XX/2022 I sent a letter to XXXX explaining I was the victim of identity theft including the identity theft report regarding XXXX XXXX XXXX XXXX XXXX in the amounts of {$360.00}, a collection without an amount. It has been six ( 6 ) months and no action has been taken to remove these from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2022 I called the SYNOVUS BANK and told them they needed to transfer the money in my account to another account, both accounts are the same bank, but the bank told me that there was no money in my account, but actually I have {$8600.00} in my account and this call took 1 hour and 20 minutes, 3 transfers, 3 different agents, each of whom asked for my information, it was unbelievable, I put my money in this bank for 5 years and they actually told me that my money is gone, although my English is not good, one of the service staff is not willing to slow down her speech, what should I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/22 funds were fraudulently removed from an atm on my Capital One checking account. The bank did an investigation and refused to reimburse my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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: DE

Complaint narrative:
There are several inaccuracies reporting on my credit report and I've contacted all three bureaus about it and it still remains on my credit report inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: DE

Complaint narrative:
There are several inaccuracies reporting on my credit report and I've contacted all three bureaus about it and it still remains on my credit report 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 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
There was a delinquent XXXX debt purchased by Convergent Outsourcing. I reached out to Convergent Outsourcing via email to pay the debt, but there was no response. I subsequently reached out to XXXX to pay the debt. Prior to payment, I asked if XXXX would terminate their assignment of collection authority to the reporting debt collector ( Convergent Outsourcing ). They said they would, as soon as I paid in full. 

I paid the full amount on XXXX XXXX, 2022. XXXX week later, my credit report stated that I paid Convergent Outsourcing- the account was paid to XXXX, not Convergent Outsourcing ; therefore, the information reporting is inaccurate. 

Moreover, per XXXX, the debt was " recalled '' ( technically, terminated the assignment of collection authority. 

Today, I spoke with a representative of Convergent Outsourcing ; they refuse to honor any termination and will not remove the inaccurate reporting.

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 2022-12-14 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: WI

Complaint narrative:
I am a natural person, I am a living breathing human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed from because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX  accounts ending in XXXX and XXXX XXXX account ending XXXX XXXX XXXX  XXXX  XXXX ending in XXXX XXXX  XXXX XXXX account ending in XXXX XXXX accounts ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX XXXX XXXX accounts ending in XXXX and XXXX

Company response to consumer: Closed with explanation