vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC
State: TN

Complaint narrative:
At the start of the year me and my girlfriend got a car from a used lot. It was our first car purchase ever. Unfortunately we were lead to the XXXX  that they claimed was a steal for the price. It was listed at {$34000.00} but after it was said and done it ended up at {$42000.00}. The only issue is when we were running our credits I had none and my girlfriend had a score in the 500s, we shouldnt have been able to get that car. I made {$2800.00} a month and my girlfriend wasnt working. After paying my monthly payment, gas, insurance, rent, and food. We were almost negative monthly. It clicked to me that during the credit runs XXXX XXXX from XXXX XXXX XXXX, told us he told the lenders we made {$4000.00} each a month. This didnt click to me as a bad thing cause I got my dream car. Now Im {$15000.00} in debt to a company that the salesman lied to. Global Lending LLC, they are the lenders we owe. We dont blame them as our salesman lied, he may try blaming us but we showed him our bank accounts and money flow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act the aforementioned accounts have 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 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason. 

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, I hired a moving company via XXXX, aka XXXX, to move my household goods, into a storage unit. Because i had utilized the service numerous times before, I was under the impression that, as before, i had to give the moving company the payment code after my time was up and submit a complaint AFTERwards as, previously, the money was not released to the moving company until i gave a review. The moving company i hired did not complete the job, so i contacted XXXX and informed them of the situation. When i talked to their customer support, it was then i found out that I was not to give them the payment code if i was not satisfied ( this was not listed anywhere in the contract nor the website ). I was advised by customer support to file a complaint with my bank to get my money back. I file a complaint with my bank for services not rendered against the moving company, on the advice of XXXX XXXX. After months of waiitng, the bank reversed the charges on my account, resulting in my account being negative {$400.00}. Capital One then charged off the account and placed my name into a banking " credit repor '' resulting in my inability to open an account anywhere else. 

Capital One used a 3rd party to deny my request to recoup my funds- they never took into account a copy of the text message exchange between myself and the actual merchant, the moving company, in which he admitted he did not do the job. Capital One took the word of XXXX, who was the middle man and took the payment. After numerous request to get a copy of what they used to deny my claim, all XXXX submitted was a one word statement from the moving company where they asked him if he completed the job, to which his reply was " yes ''. 

Capital One asked me to submit my request to investigate this card fraud 4 times ... and denied it all 4 times. Only once did they send me a request for information- and that was when i ASKED them why they never asked me for proof. Only once did they send me a copy of their investigation. And that was when i kept telling them that ive asked for this information, repeatedly. To date, i have only received a copy of the results of their investigation ONCE, despite their having supposedly investigated this 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MI

Complaint narrative:
I have contacted the court where they are saying its verified through. the court states they do not report any activity to the credit bureaus. so therefore this is not reporting a 100 % accurate. I have filed a dispute with them multiple times but they. keep saying its not coming from me. PLEASE DELETE THESE bankruptcies FROM MY CREDIT REPORT AS IT IS EFFECTING ME ON GET A NEW HOME. XXXX  XXXX AND XXXX XXXX bankruptcy NEEDS TO BE DELTED OR I WILL SEEK LEGAL AND SUE YOU FOR DISREGARDING MY CONCERS. XXXX DOLLARS PER VIOLATION.

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 2023-01-26 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.

C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIRST HAWAIIAN, INC.
State: MD

Complaint narrative:
IN XX/XX/2022, I called First Hawaiian Bank ( FHB ) for a payoff amount to pay off the rest of my loan. I dated it for 2 weeks in the future to allow for time to cut the check and travel time to Hawaii through the USPS. After a couple of months, I called FHB to inquire on the status of our title because we had not received it yet. Come to find out, my check was not cashed until 3 weeks after the check had been cut and there was a {$3.00} balance on my account. I offered to pay the remaining amount and wanted their guarantee that this would be the last payment. However, they agreed to write off the balance, and informed me that since it was at the end of the day, her manager would write off the amount the following day. Another month passes by, and we have yet to receive a title or any acknowledgement that our loan has been paid in full. So I call back again, mind you everytime I call, I have to sit on hold for at least 45 minutes to speak to someone. They again tell me that nothing is owed and I should receive the title soon. Again, nothing received and on top of that, they reported our payment being 30 days late to the credit bureaus which negatively affected our credit score. I set up payment of {$10.00} to be sent to FHB because I just want to be done with this and I called again. They informed me that my loan has no balance and that the reporting of the late payment would be corrected in the following month. We finally did receive the letter stating the loan was paid in full in XXXX but we also received another derogatory mark on our credit stating our payment is 60 days late. It is ridiculous how much time has to be wasted because the employees of this bank are incompetent. I will NEVER do business with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.Also my Information was exposed in several data breaches who knows who has my Information with all this craziness In the world today. All I ask is to remove the information because it is invalid.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I was refered to you by your attorney Generals office. On XXXX/22 I sent a certified bank check for {$60000.00} from the pnc bank in XXXX XXXX to the pnc bank at XXXX XXXX XXXX in XXXX XXXX Florida to account # XXXX in the account name XXXX XXXX a XXXX XXXX XXXX. I now know it was a scam as he is in trouble with the authorities in Florida. I am told he wants to return the money to me as he was never able to withdraw the funds in the first place. He can not contact the bank as I am told he is XXXX XXXX XXXX???. I have tried on numerious attempts to see if this is true with PNC bank but they will not give me any information. All I am asking is my money still in the account at PNC bank? so mabey I can get it back or is the account holder not telling the truth. I am a roofer and that is a lot of money to me, if I have a chance to get it back it would be nice?? /, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. This account is listed late and a charge off and that is incorrect. The following accounts were never late and should be listed as PAID or PAID AS AGREED. 

Account Number : XXXX Company : JPMCB CARD Address : XXXX XXXX XXXX, XXXX, DE XXXX I was never late on XX/XX/XXXX. This account was not a charge off either. It incurred fraudulent charges that exceeded the credit limit allowed by Chase. I talked to Chase customer service about it and they told me to pay off the original amount which I did. They never told me it will be reported late or charged off during my conversation with them. The account was settled in full in XX/XX/XXXX. However, they continued to report it late and as charge off till XX/XX/XXXX. There are also inconsistencies in how it is reported to different credit agencies. For example on XXXX it says " late '' then says " XXXX XXXX '', then says " Negative ''. On XXXX it says " Charge Off '' which is incorrect since I paid it as agreed. On XXXX it says " Payment after charge off '' which is incorrect as well. This account NEVER went to collection and it was never charged off. I paid it off to Chase as agreed with their customer service agent. 

In accordance with the Fair Credit Reporting act, JPMCB  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602a states the Accuracy and fairness of credit reporting. I feel the account number above has been reported incorrectly across different credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-01-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother. Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: NY

Complaint narrative:
Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX - OPEN Balance {$750.00}. 
Acct Status : OPEN Remarks : Collection According to FCRA Law an account can not be reporting Open and In Collection at the same time..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUME R REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the aforementioned accounts have 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 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act the aforementioned accounts have 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 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: GA

Complaint narrative:
When I call the phone number listed on the letter, it doesn't work. I don't know what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand. I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

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