vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I bought this motorcycle new in XXXX  from my local XXXX dealer. The loan was financed by a bank identified on the title as HSBC. I paid the loan off in 6 months. I sold this bike on XXXX and transferred the title to the buyer. The buyer notified me 2 weeks later stating he was unable to license the motorcycle due to not having a signed and notarized lien release from the bank listed on the title. I looked for the lien release but was unable to locate. I looked up the bank listed on the title and contacted them stating my situation and after numerous calls and emails they basically tell me they can not help me because they have no record of my loan because they have purged their records so there is no way can can give me a signed and notarized lien release. Instead they give me a " no interest '' letter which is not signed or notarized by HSBC. I give this to the buyer and he takes it back to motor vehicle dept in Missouri and they tell him this letter will not work because its not signed or notarized. I again notify HSBC by email and again they tell me they can not help because they have no record of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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 this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 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 Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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. 


Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The inquiries listed on my transunion report we fraudulently made and shoud be deleted immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Please see the attached AUD form and response letter from XXXXXXXX XXXX and remove the account XXXX XXXX XXXXXXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.

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 2023-09-06 00:00:00
Product: Credit reporting 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... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXXXXXX XXXX .... # XXXX ... XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 a consumer reporting agency can not furnish an account without my written instructions...

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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 confidentiality under 15 u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXXXXXX XXXX XXXX.. # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 a consumer reporting agency can not furnish an account without my written instructions... 
15 u.s.c. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My original car loan was with us auto sales. Loan was reassigned without my knowledge. Westlake financial service who is the company that my loan was transferred to repossessed the vehicle on XX/XX/XXXX stating I havent made a payment since XXXX. I was still making payments to us auto sales at that time and now have no way of tracking that information because the company websites have all be deactivated. I made a payment to release the vehicle on XX/XX/XXXX. I still havent been able to retrieve my car. I was given information to a company called XXXX  to retrieve my vehicle. I have been trying to reach someone since XX/XX/XXXX and have yet to be able to reach by either phone or email regarding picking up my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX XXXX did a *Hard Inquiry '' on my credit and it was supposed to be a soft inquiry not effecting my credit score but it did. 
I went online to file a complaint with Experian and you can not do it there you must call I did and the automated system refuses to allow you to speak with a live person. 
The options i needed to dispute wasn't available so it kept pushing me back into the main menu. 
This happened over and over again. 
I am frustrated XXXX XXXX sent me a " Pre-approval with confirmation number for a XXXX XXXX XXXXXXXX then said a soft inquiry would be done.. 
Not only was i not pre-approved but it wasn't a soft inquiry im now dropped points for a scam.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I feel I was discriminated against based on my color when I went into the US Bank location of XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

Order of Events ============== On XX/XX/XXXX I went inside to make an appointment to open a checking account. I spoke with one of the tellers in the front an she informed me she could make an appointment for me. So she took my id and asked me what time did I want the appointment for. I said XXXX on XX/XX/XXXX. I saw her typing something and after a min she said ok you are all set for tomorrow. So I left XX/XX/XXXX at XXXX I went in based on this information and sat down. After about 5 min of sitting I was called over to a smaller teller window and a different lady asked how can I help you? I informed her of my appointment and I wanted to open a checking account. She looked and said she saw no appointment ( I could sense an attitude ). But I was patient. While waiting in front of her another XXXX  younger lady came in asking for notary services from another teller. 
She then said to me can you go sit over at another desk and I will be right there. 
So I did what she asked. She then immediately went to handle the white customers notary and left me there waiting. ( Let me say again that new customer that came in was already dealing with another teller ). So after about 10 or 15 min of waiting she then came over to help me. 

After giving her my information she then told me after about 5 min of putting it in that she could not open an account for me because of information in XXXX. I said XXXX??? I have never had any issue opening a bank account and have been long standing members of XXXX  XXXX XXXX with both personal and business accounts. I also informed her since I had a XXXXXXXX XXXX a XXXX XXXX asked me did I want a XXXX XXXX  checking account the day prior and I went through with it with no issues. 

So I left and contacted XXXX immediately. As I suspected XXXX had absolutely nothing in my file except an inquiry or two. I also checked my credit score and it was well over XXXX. I then started to investigate US Bank and they seem to have a long history of discriminating against XXXX  customers with literal class action lawsuits against them presently. 

It was a 100 % humiliating experience for me. 

Reference 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a bank teller alert on my messages from my bank claiming that someone had attempted to authorize charges on my account. I believed it to be a true alert since they knew my information and unbeknownst to me were impersonating XXXX XXXX, 2 minutes later I got a call from the Fraud department of my bank where I talked with someone who claimed to be a fraud specialist for about 20 minutes. They notified that someone in Massachusetts had attempted a total of 9 transactions on my account. 1 through XXXX and 8 through cashapp and for security reasons I had to directly authorize the transactions with the memo ( REFUND XXXX XXXX XXXX ) so that the bank would block them from processing and verify that I was not the one attempting the transactions, after asking many questions under so much duress and stress I believed this person to be truthful and complied. I authorized the XXXX payment. Then they asked me to verify my phone and email to conduct a personalized video call so I wouldnt have to share my information electronically which and gave me the name XXXX and XXXX badge number XXXX as insurance that they were a legitimate specialist. Fair enough I received a XXXX call a few minutes later where they instructed me to share my screen and go onto cashapp to directly authorize the remaining 8 transactions for security reasons. They assured me multiple times that my account balance would stay the same and even had me sign out of my online banking app because my account information was compromised. They told me to authorize the transaction and same as the XXXX to go to Pay and put the exact amount that was being attempted and to put the memo as refund with a different XXXX digit number each time. This all sounded legitimate at the time and I didnt pick up on any red flags until the transactions processed. After that they told me to log on to my online banking with a one time password that they provided but before I received the username they hung up. I proceeded to call back on the same Fraud department number where this time an actual representative answered and let me know Id been scammed. I immediately reported and requested the money on cashapp through the app support and blocked my card to issue a new one. I filed a dispute once the transactions cleared a week ago however the bank has decided to decline due to the transactions being directly authorized. I was told that nothing else can be done but to contact Cashapp or law enforcement. I called cash app support and they said the same thing as my bank. I am humbly writing to ask for any more help for what can be done because Ive been scammed of {$1500.00} and am in deep sorrow. I was also told to request a refund with the recipient which I did and obviously they declined it immediately because they are also apart of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
Dates between XX/XX/2023 and present in various amounts. Multiple unauthorized transactions for purchases sent to XXXX XXXX accounts. Called Money network at XXXX and disputed transactions and cancelled and requested a new card. Money Network just explained that they would be sending a dispute form but that I never receive the form in time to submit it for review and refund approval. I have had numerous issues with this and have been denied the refund because the form submitted was past the deadline but wasnt received until the day it needed to be submitted back.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is a account on my credit report that is not mine and belongs to someone else.

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 2023-09-06 00:00:00
Product: Credit reporting 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:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2023-09-06 00:00:00
Product: Credit reporting 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:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 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 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 U.S.C. 1681 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 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