vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX from a dealership named XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ XXXX, back in XXXX. I paid {$6000.00} cash the day I purchased it and financed {$7900.00}. 

I was told there were no mechanical problems, he ( XXXX the car dealer ) had his mechanic check the car thoroughly inspect the vehicle and it was in perfect mechanical shape. 7 months later the engine blew due to a manufacturing defect that XXXX lost a class action lawsuit over. XXXX denied responsibility and told me I had to contact XXXX XXXX, which I did and they put the responsibility back on the car dealer because there was a 10 year window to have the car fixed for free, which was never fixed, and the window closed about a month and a half before I purchased the vehicle. I contacted XXXX about this to never hear from him again. 

Also, XXXX XXXX told me I needed to get the vehicle diagnosed through an official XXXX dealership, which I then did. I brought it to XXXX XXXX. They conveniently misdiagnosed my vehicle not once but twice, told me I'm under the mileage for my warranty, so we waited 2 months for my warranty company to come out and deny my claim for mileage reasons. Then after being lied to, XXXX proceeded to try and extort me for their misdiagnosis, telling me I owe {$1500.00} for the XXXX hours of labor they put into the car. I told them I don't agree and I will not pay for their mistake that has cost me already thousands. They have had my car now over a year, close to a year and a half. 

I received a phone call from the woman ( XXXX XXXX XXXX at XXXX XXXX who tried to extort me, telling me that due to a state inspection they had, they decided to put the engine that they wanted {$1500.00} for taking out of the vehicle, back into the vehicle so they didn't get in trouble and when would I be making the payment to release my vehicle... I was very angry, at the end on the phone call she told me that she would be charging me a storage fee daily. 

I'm so appalled by both of these companies, they've completely screwed up my entire life, I had a XXXX XXXX XXXX before all this, now I have almost {$20000.00} in debt for a vehicle that should've never been sold in the first place. Please help..

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 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
a credit card was opened in my name without authorization. the first inquiry on my credit report was XX/XX/ and another happened on XXXX. a card was successfully opened and sent to my house, but I had never applied for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
This debt does not belong to me. I've stated this more than once with XXXX XXXX XXXX XXXX. Now it seems that this new company is also trying to collect on something that's not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX 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 a payment on a credit card account under an open end consumer credit plan as late for a purpose. 


Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.

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 2023-08-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX 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 a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens employee promised the promotion that was being offers for {$300.00} if you change your direct deposit to the account after opening it. I asked if the offer was good for in person and online and he assured me it was. Told him I would go home and do it online if it was not and he said it would be good either way. Opened the account with him right then in person and now Citizens is refusing to honor promotion because account was not opened online. Spoken to bank manger and online account managers. Bank manger never followed up and I had to call multiple times to find out what was going on with it and she said they will not honor the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-08-15 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: SC

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 XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: GA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-15 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: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I received an alert from XXXX on XX/XX/XXXX, notifying me of a hard inquiry from Cash Central, which resulted in a credit score drop of XXXX points. I did not authorize a credit pull from this company nor any company near or on XX/XX/XXXX. On XX/XX/XXXX, at XXXX XXXX, I contacted Cash Central from the number listed for them on my XXXX credit report ( XXXX ), and spoke with three different people for a total of XXXX XXXX ( the majority of those minutes spent on hold ). During the call, I asked why my credit pulled without my authorization. I was told I could dispute the pull with XXXX to which I continued to ask why it was pulled without my authorization. After the final transfer to the third person, I was told because I had an account with them back in XXXX ( don't recall that, but that one is for me to investigate ), it authorized them to do hard pulls whenever they wanted. This practice seems not only un-ethical but illegal, which is why I'm filing this complaint. I would like Cash Central to remove the hard credit inquiry. On XX/XX/XXXX, at XXXX XXXX, I contacted XXXX to file a dispute and spoke with two different people for a total of XXXX XXXX ( the majority of those minutes also spent on hold ), but was told because Cash Central did this in error, there was nothing they could do, and I had to contact Cash Central to remove the hard inquiry. I'm at a loss of next steps as each company is telling me to resolve it with the other company, and I just want the hard inquiry removed. I'm in the process of repairing my credit, and unauthorized inquiries like these only make it harder for US consumers like myself, forcing us to pay higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

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 2023-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Gateway mortgage left out taxes on my monthly payment to qualify me for a loan. This is the second time they have done this to me. I bought a home with them in XXXX and they left out school taxes and mudd taxes. I only found out months later after receiving notices my payment was going up and I was required to back pay. I recently bought a new home in XX/XX/XXXX and they did it again. I thought the first time was an accident but then it happened again. My new mortgage payment is now more than I am able to afford and I am being back charged for the amount they left out in closing. I would have not agreed to the mortgage if I had known the actual payment amount. This I believe was manipulation of my ability to pay to force qualify the loan. Considering they have done this twice is what leads me to believe this. They have since changed names and I can not get anyone willing to help. They sold my account before my first payment. That also seemed to have a purpose. They are leaving out taxes on payment for budgeting purposes. 

To add to recently submitted a complaint and was never contacted as the company responded and stated they did. I was never called, emailed, or even received a letter. Their recent response was untrue. I would like a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: DISCOVER BANK
State: PA

Complaint narrative:
In XXXX of XXXX Discover card closed my account because of a payment returning NSF... ( 6 years ago ) I have reapplied numerous times and was denied even though I qualify credit wise. Still to this date I don't no why they closed my account, I never paid late, yes I had a payment returned but immediately after getting notified I paid all fees and the bill associated. They closed my account in XXXX with me owing a zero balance. In XXXX of XXXX this year the sent me a check in the amount of XXXX from this closed account, I was suppose to receive this payment years ago. The sent me only with they owed and not with any interest they have made off it... This is not right how do you hold money from a closed account for over 6 years and then pay it... Also I was informed that I could re apply for an account but they keep denying me saying because of past account obligations. So I guess it okay from the XXXX over their customers and withhold money for years and profit off of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-15 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Have asked lvnv funding for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

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 2023-08-15 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I Just started getting into building my credit I was too young at the time to establish any credit or have a card. Now that Im trying to establish and build my credit I see that theres charges on my credit report that I had no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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.

Complaint narrative:
I want to dispute everything on my files everything that I had on my folders from years ago it really does stick with you, so what Im trying to do is to clean up my file weather I have to dispute. Theres things on my file that need to be cleaned up. It doesnt need to be on my file Im trying to clean up my credit and this is the only way I know how to go about it so please if theres anything you can do on your end, I would appreciate it. If theres any other information I need to submit or anything please let me know and Ill submit it ASAP. Thank you very much. I just want my life back Im XXXX XXXX XXXX and cant do nothing. Ive been married for 32 years and cant do a XXXX thing. I cant take this its either this or XXXX XXXX but ones Got ta give. Thank 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 explanation