vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Application ID : XXXX I, XXXX XXXX XXXX, the consumer and natural person, was denied credit by CAPITAL ONE when I applied for a XXXX XXXX  card on XX/XX/2022 Application ID : XXXX. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by capital one due to the response I received. Capital one is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued even though my credit score is a XXXX at the time I made my application in good faith. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One. 

If capital one fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make capital one criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: GA

Complaint narrative:
I have tried with XXXX on many different occasions to have world finance removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following 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 explanation
Consumer complaint received 2023-01-08 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:
I have tried with XXXX on many different occasions to have world finance removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Agency did not provide me the consumer the following information. 
The Following information is required. Please fill out the form below in its entirety. 
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :

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 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: CO

Complaint narrative:
So on XX/XX/XXXX I made a car payment to American credit acceptance on they web payment portal. The amount was for XXXX. But on the next day I noticed it came out twice. The other being on XX/XX/XXXX. So now they have taken over XXXX from me. So I try to talk to them but nobody wanted to help solve it. So I contact XXXX  ( my personal bank ) and they gave me provisional credit so I can pay my insurance with some of the money which was on XX/XX/XXXX. Recently I noticed the loan said behind and they said I took the money back even though ents fraud department has yet to give the money back cause American credit acceptance refuses to respond to me or XXXX about the situation. I got the XX/XX/XXXX payment ready but not paying it till this gets resolved. But they are claiming they never got the XX/XX/XXXX payment even though it went through twice. Would like this solved with hopefully not getting lawyer but did some research online and heard they are a very shady company.

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 2023-01-08 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: FL

Complaint narrative:
There are accounts in my credit report that are not mine. I have not authorized it.

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 2023-01-08 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: NC

Complaint narrative:
The names of creditors and account numbers involved in the theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Transunion is are forcing me to jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, and the XXXX XXXX XXXX Sheriffs Department, our local law enforcement division. 

Transunion are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

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 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Just in the past 90 days Wells Fargo charged me 4 overdraft fees that are not legitimate. 2 of the fees had occurred when I transferred money from my checking account to my saving account, both accounts are Wells Fargo. I wouldn't have been able to transfer the money if it was not available! The other 2 fees were when I XXXX my husband, also... I wouldn't have been able to process the XXXX transactions if the funds were not available at that moment. I attempted to contact Wells Fargo and they were of no help! The young man just said Sorry for the inconvenience a dozen times. I had explained that I understood that had a check been outstanding or something, overdraft fees can happen, but both these actions happen in real time and would have been stopped if the funds were not available at that moment.

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 monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: NV

Complaint narrative:
In my case number : " XXXX '', the creditor said the debt was removed from my credit reports. 

The debt is still being reported by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX PNC Busines Bank credit card withdrew {$840.00} from my business checking account without my consent. I called the XXXX ( XXXX ) at XXXX on Saturday to ask why they made the withdrawal from my account, the representative said that I called them on XX/XX/XXXX to set up the payment arrangement. I told her I DID NOT CALL PNC BANK AT ALL. I asked her to check her recordings and tell me when have I made a call to them, she placed me on hold twice and then said well she doesn't have any information and that I would have to call the front end collection to get any further information. 
I did not authorize and no one from my company authorized pnc bank to withdrawal money from my account. My business credit card was revoked and closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have tried to contact this company about the debt showing on my credit report multiple times. They keep telling me that I owe them. The letter states the balance is XXXX  but originally was way less than that. This is unethical. I tried to pay the lesser amount and they said they can only offer what the creditor has listed because they dont purchase their debts This is unethical and unfair. I will not stop fighting this bogus company about this false debt. I even tried to dispute this after that, with no response. This company will be sued for trying to take advantage of me and others. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have sent several debt collection validation letters to the company with no response, they have destroyed my credit and as per state bureau which i have attached they are not licensed in the state of New York where i reside to collect a debt. I want this deleted off my credit report immediately or i am suing!

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 2023-01-08 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:
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 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 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. 16815-2 ( 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 2023-01-08 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: GA

Complaint narrative:
A fraudulent account was opened up in my name with XXXX XXXX XXXX XXXX and they are refusing to block/remove this fraudulent account from my Experian Credit Report, which they are violating the 15 U.S. Code 1681c-2 and 15 U.S.C. 1681b and 18 U.S.C. 1028A. My next steps is to take Experian and XXXX XXXX XXXX to court to file a lawsuit. A resolution would be for Experian to remove this fraudulent account from my credit report immediately and comply to the laws above in this paragraph.

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 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I disputed an unauthorized transaction from my chime account XX/XX/XXXX Chime approved my dispute admitting an error occurred and saying I would be refunded. Still to this date I have not been refunded. On XX/XX/XXXX I called customer service and they said I would be refunded by XXXX hours. That did not happen. I have called multiple times in the past weeks and they keep on doing the same thing just saying they will escalate the claim and it will be refunded in XXXX hours. Still they keep telling me the same. Thing with no results. I have been lied to by multiple employees and they refuse to connect me to someone who can actually help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: IL

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 XXXXXXXX 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 has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: PA

Complaint narrative:
I, the consumer and natural person, was denied credit by Discover when I applied for a Discover It Cash Back Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Discover is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover.

If Discover fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Discover criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: NJ

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 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 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