vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXXXXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over XXXX years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that Equifax and XXXX said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and Equifax, but I have not heard anything. I've been trying to call XXXXXXXX XXXX XXXXXXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: MA

Complaint narrative:
On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over XXXX  years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX  ( which administers the XXXX XXXXXXXX XXXX  ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my XXXX XXXX had declined significantly. I checked online and saw that XXXX and XXXX said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and XXXX, but I have not heard anything. I've been trying to call XXXXXXXX XXXX XXXX, but the people I've talked to don't know how to fix this. My XXXX XXXX has gone down by XXXX points for literally no reason!

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One Bank STOLE {$990.00} and refuses to return it. Money was " sent '' but not " Delivered '' to XXXX the intended recipient. Capital One Says they have a confirmation the money was sent but the recipient does not have the money and CO refuses to find where the money is located in the banking cyber space process. I feel discriminated against and taken advantage of. Does CFPB have attorneys who specialize in cases against banks who operate in disingenuous and suspected fraudulent activity that we could call?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both Trans Union and XXXX XXXX 


Thank you for your time and attention to this matter

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 2023-01-14 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: NJ

Complaint narrative:
Disputing XXXXXXXX XXXX XXXX. Did not receive any mail notifying of any account. Tried contacting company by phone only get recording. Not My account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
XXXX weeks ago ( XXXX XXXX, 2022 ) I applied for a gold credit card offered by my credit union. I was approved and the account can be viewed online through my credit union. After one email and three direct calls to credit union I was told there is a plastic shortage in the USA and they can not give a date for me to receive my credit card. I believe it is a lie. I have called my three other LARGE financial institutions ( one credit union and two LARGE banks ) and they told me there are NO plastic or chip card issues and they do issue the actual credit cards. 
I asked what are alternative ways I can access my line of credit and they said there is no way to access it. So I countered and said that it could be next year that I get my credit card and was told possibly, yes. 
I want this matter looked into and have the truth be told. If I do not get the card I will close my account due to bait and switch practices.

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 2023-01-14 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: OH

Complaint narrative:
Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and Credit Agencies, TransUnion, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.

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 2023-01-14 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Spoke with XXXX in collections who sent a request to remove 30 day late for XX/XX/2022 but a new late for XX/XX/2022 was added. XX/XX/XXXX payment is NOT 30 days late until XX/XX/XXXX and today is XX/XX/XXXX there incorrect credit reporting is causing me damages and health problems

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
So I'm still waiting for the {$200.00} from XXXX and also that first Hawaiian bank said that they're still working on that issue and now just the other day I found out some unwanted transactions in my bank account!!!! I didn't recognize these charges from a XXXX XXXX or ever used my debit card to buy services or anything for that matter. The charges so far are now {$21.00} and now I told my bank but I wanted these charges not posted!!! Also, waiting for the {$200.00} for that unwanted post

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: MN

Complaint narrative:
the atms that are supposed to be releasing funds to a team of mine are actually being used by a separate team and they are being funded by releasing the maximum amount then letting the remaining amount get put towards further down the line projects or settlements

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 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: NC

Complaint narrative:
Hello, I am in the market to find a loan for a new car. I found the site Lending Tree where I read that I could get the rates from several companies. I filled out the form and at no time was told I would be getting a hard inquiry from any companies. The form led me to believe I was only going to get general rates ( which of course they hide behind these forms ). After filling it out, I was told the companies would contact me. What I am now receiving is full on loan application responses with hard inquires done. Some of these are coming from companies that were not even mentioned on the application. 
I called the company and was told the possibility of a hard pull on my credit was noted in their disclosure forms. These forms were not presented nor mentioned during the process noted above. I would have never agreed to have hard inquires as I already have 6 on my account and have waited over a year to bring that down from 12. Now I expect to have many more that were never wanted or asked for.

Needless to say I feel very misled and lied to. My family depends on my credit score and they have done significant damage to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have an account with Truist that I cant properly use because the XXXX bank wont process charges that are legit. I called the bank over and over and told the XXXX that I had legit charges but NOOOO they keep getting declined. These charges were made on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX and XXXX and I told these XXXX I made them and the card still wont work what the 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 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX with XXXX seperate purchases at Tesla, I was told and lied to by associates over the phone by Tesla both in XXXX and in XXXX, They told me Tesla will not drop prices over the next 30 days and that I should feel assured I was buying the car and the price was the lowest of which Tesla would allow and to please sign as fast as possible as I had to take delivery that specific day. The pressure to sign that day and the sales tatics portrayed were predatory and illegal including admitting to recording phone calls in the state of Florida that per Florida Statue 934.03 ( 2 ) ( d ) is illegal without notification or consent from both parties. They then on XX/XX/XXXX less than two weeks after the original purchase dropped the prices 20 % on one vehicle and 13 % on the other vehicle I purchase causing financial harm to myself as well as emotional and mental harm for being dupped and lied to by persuasion. This is one illegal in multiple manners but two completely irresponsible for such a large company to mislead and misrepresent facts and not make the clients whole or take back the UNUSED merchandise which has not even been titled to the purchaser within that given timeframe. Please help in this instance, I feel helpless as a consumer whom was soo clearly lied to, took advantage of and misrepresented to. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Hi I am XXXX XXXX. 
So pretty much 5 months ago I lost my wallet and I lost green card and social security card and Apple Card by Goldman Sachs and somebody misused it and put the account on charges of {$3000.00} now I want to close that account and there are some few addresses also Ive never put on my account so pretty much somebody misused totally and put all my accounts down and my credit score, I would appreciate if yall can help me out. 
My reach out cell phone number is ( XXXX ) XXXX XXXX. 
Email contact- XXXX Thank you and welcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: OH

Complaint narrative:
Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and XXXX XXXX, XXXX, Equifax and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: LEXISNEXIS
State: OH

Complaint narrative:
Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and XXXX XXXX, XXXX, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All three credit companies, XXXX, Equifax, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
All three credit companies, XXXX, XXXX, and Experian continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX  XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.

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 2023-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
In attempting to pay off the loan balance, I have repeatedly tried to contact Enerbank to find the loan payoff amount and process and have not been able to reach them for a response. The main problem I face is that, unlike any other financial product I have had, the loan payoff is not provided on written statements or online nor is an option to pay the whole balance.

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 2023-01-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX {$18.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX as 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I noticed an inquiry on my XXXX  XXXX  account I called the card company and told them I did not apply for their card well I ended up receiving their card anyway and a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: IA

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. 

XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # 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 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 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: SC

Complaint narrative:
I'm exercising my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XXXX XXXX, 2021. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.

Company response to consumer: Closed with explanation