vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
COMPANY TRANS UNION THAT WAS BUILT ON XXXX, HAS VIOLATED MY CONSUMER RIGHTS. THERE IS A FRAUDULENT ACCOUNT THAT WAS DISPUTED AND REMOVED IN THE PAST BACK ON MY CREDIT PROFILE. XXXX XXXX XXXX. XXXX XXXX XXXX WAS DISPUTED BEFORE IN THE PAST AND REMOVED. WHY HAS THIS FRAUDULENT ACCOUNT REAPPEARED BACK ON BY CREDIT PROFILE? COMPANY TRANS UNION ONCE AGAIN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY TRANS UNION LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

XXXX XXXX  XXXX Account # XXXX I demand the above fore mentioned account be removed immediately. I have read from FTC XXXX CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should CLOSED. I also understand you have 30 days to complete this investigation. The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, in the Remarks field. XXXX should reflect in the XXXX XXXX days field. I demand these inaccuracies to be removed and updated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
there are XXXX inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are JPMCB CARD SERVICES ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never attempted to get these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I purchase a car for XXXX 3 months later i was in a 5 car accident and the insurance totaled the car then turned around and told me my car is only worth XXXX i said theres no way my car is worth that that banks wouldnt even finance the car for XXXX if it was only worth XXXX i told them no i will not accept i will take my car back and get it fixed they wouldnt allow that or allow me to see my car. While i was in the hospital they called my house and told my mother that they felt bad and they would give me XXXX for the car my mom said oh ok i dont know anything about this this is not my vehicle this is my sons car. I took the loan under my name only no co signers and i was the only one on my insurance plan.then m & t bank calls me up and tells me i owe them XXXX and there turning my auto loan into a personal loan and i told them no thats not happing i paid my insurance from when i was XXXX XXXX XXXX until the day of the accident in 2016 over 15 years they the insurance needed to pay it. They told me to bad thats what happing i waited for the new bill statement to come in so i can fight it with the insurance they never sent me anything and no way to pay it. I been fighting the insurance and m & t bank for 6 years and now when i told gieco i was the only one on my policy and the only one on my car he suggested i get a attorney and hung up on me and im to the point they ruined my credit and im living on the streets .cant get a apartment cant get a decent job all because of this .everything is well documented and the outcome of all this is a XXXX XXXX XXXX and XXXX XXXX XXXX. In the meantime its all a right off for them they dont care about my well being

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditors ( PNC ) Account number XXXX, ( XXXX ) acc ending XXXX, ( XXXX XXXX XXXX  ) acc ending XXXX has violated my Rights. Under Act 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666 B. '' A creditor may not treat a payment on a credit card account an under an open and consumer credit plan as late for any purpose ''. Thus shall be updated immediately according to ordinance stated above, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law XXXX XXXX XXXX also accepted a CASH down payment of {$10000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account constantly said I had more money in account then when I pull money out I would get charged late fees constantly and the app online was never working now they say I owe them money and I don't they owe me!! I've been with them for over 15 years always in good standing until they started screwing with my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
since XXXX XXXX My feeling bad, i have XXXX XXXX so I have to go to hospital, the name of the hospital was XXXX XXXX XXXX  When I went there I showed the employees who got all my information in the computer my Med-Cal , after a few hours i was released. Until XX/XX/2023 I checked my credit report and saw a collection consultant where they asked for {$3200.00} ( XXXX XXXX XXXX ), I spoke to the collection company ( supervisor name is XXXX ) I explained to them and emailed my Med-Cal and all information need to proved on that time I had med-Cal already I disputed to three bureaus unfortunately almost 3 mounts waited my time I tried to contact all bureaus and Collection company but they didn't any responding this is not fair because of hospital mistake I lose my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. 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, 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. 
These inaccuracies are stopping from the ability to obtain new lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXX XXXXhey stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CT

Complaint narrative:
UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISCOVER has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH DISCOVER where DISCOVER ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact DISCOVER has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined 15 USC 1691a has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit causing me to suffer and experience harm and has discouraged me from extending further credit. DISCOVER instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in telling the follow the XXXX perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY DISCOVER. Notice it is a fact DISCOVER is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND DISCOVER AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. DISCOVER HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE XXXX AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM XXXX AND IRS FORM XXXX AGAINST DISCOVER. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
they need to restore my funds by a fraudulent company. ( XXXX XXXX XXXX XXXX XXXX, Al for {$1000.00}. used to be a good company now they are doing theft by deception. Truist bank has all the documentation to correct this and pull funds from XXXX XXXX where the so called owner deposited the check. they ruled on this case within a hr of receiving information without doing a proper investigation. there bank agreement says they will protect us from fraud. the local branch said it would be back in 48 hrs. its been several weeks and i appealed there decision. Truist is not helping there customers with fraud and put you on ignore

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality unXXXXer 15 USC 1681 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX Section 602 A, 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that 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 or crimes which antedates the report by more than seven years. 15 USC 1681e-2 ( A ) ( 1 ) A person shall not furnish any information to a con
sumer relating toto a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX 15 USC 1681 Section 602 A, 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that 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 or crimes which antedates the report by more than seven years.

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

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditors ( XXXX ) Account number XXXX, ( XXXX ) acc ending XXXX, ( capital one auto ) XXXX ending XXXX has violated my Rights. Under Act 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666 B. '' A creditor may not treat a payment on a credit card account an under an open and consumer credit plan as late for any purpose ''. Thus shall be updated immediately according to ordinance stated above, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Currently have a few fraudulent accounts in inquiries appearing on all three of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXXXXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX  XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

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