vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received no warning or information that all of my bank accounts would be frozen with Capital One. When I called, they let me know that they can not provide me any information as to why my accounts got shut down, but due to an internal review I can't bank with Capital One anymore. They let me know I would recieve a check in the mail of my available funds in my checking account within 7-10 business days. 

It has now been 14 days. I called again and they told me that my account is just under review, but hasn't been closed yet and that once it closes, then they'll send me my money. They can't tell me why my account is under review, or when it will be done being under review. They said at this time, they don't know when I will have my money. 

They are withholding my money for an indefinite amount of time, and not giving me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I ( XXXX XXXX ) purchased a used XXXX XXXX XXXX from US Auto Sales located at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX on XX/XX/XXXX. My sales rep was by the name of XXXX. The car originally had approximately XXXX miles on it and was diagnosed to be in great condition with all mechanical aspects checked and accounted for. The first payment was made on XX/XX/XXXX at XXXX XXXX  of {$250.00} with a confirmation number ( XXXX ). The following payments below followed : XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$240.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # : XXXX ) XXXX Payments were made via automated phone service. 
XX/XX/XXXX at XXXX XXXX  : {$250.00} ( Confirmation # XXXX ) XX/XX/XXXX : {$150.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$350.00} ( XXXX ) XX/XX/XXXX : {$100.00} ( XXXX ) XX/XX/XXXX : {$200.00} ( XXXX ) My Customer ID XXXX with U.S Auto Sales before the merger on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  I called the claims department where I spoke to a representative by the name of XXXX. I explained to him that I was experiencing electrical issues that cause my car to turn off and display all dash lights. XXXX then provided me with a claim # : XXXX. I ( XXXX XXXX ) also reached out to my Sales Rep by XXXX who I explained the issues to, and I was directed to a Repair Claims FAQ card. 

I am filing this claim because my balanced owed on the car does not reflect the amount paid and I was falsely sold a car that stated that all mechanical work was up to date. However, once taking my car to the XXXX dealership it was explained that the car needed Drive Belts replaced, the brake fluid was never replaced and very dirty along with the transmission fluid. I also received my first oil change ( XX/XX/XXXX ) 2 months after purchasing the car on XX/XX/XXXX, after it was stated that all fluids were of good standing and up to date.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent information to Equifax, XXXX and XXXX about accounts that were on my credit report as a result of identity theft. I sent them the accounts that were opened as a result of identity theft along with a identity theft complaint from the federal trade commission and they responded with a letter stating that the information was verified. They did not state or send the documented proof of any investigation or that i opened any account that i stated did not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received what I think is a fake collection letter from XXXX XXXX XXXX, or someone impersonating them. This collection attempt is for an installment loan through a payday loan company, and mentions as a potential witness against me my ex-wife who is deceased. ( I haven't seen or heard from her since 2001. ) Also I never took out an installment load with the payday loan company mentioned in the letter. Whomever sent the letter is also trying to pass it off as a legal document with a " filed '' stamp on it, although it doesn't look like any legal document I've ever seen. The amount of money they want me to pay is a significant in that it's not a small sum, at least by my standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

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 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC
State: FL

Complaint narrative:
ACCOUNT NAME WESTLAKE FINANCIAL SVC Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this follow-up complaint to ensure that, within the 15-day period, my credit reports will be updated, and the following accounts will be thoroughly removed from my credit history. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are required to remove and block any items listed on an identity theft report : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit act 15 u.s.c section 602A states I have a right to privacy. 

Down below are inquires that are posted on my credit report that I do not have knowledge of. 

COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MN

Complaint narrative:
I submitted an application to the XXXX program on XXXX ( Block, Inc. ). I was asked to provide the list of products for sale and complied. I was told the products were allowed for sale and had to provide Certificates of Analysis for content of our products ( COA 's ). I got the COA 's, uploaded and my account was cleared by 'Square Compliance '. A week later, I was informed via email from 'Square Compliance ' that the account was deactivated. No reason was given. We we're referred to the entire 'general terms ' document. The online portal showed the account ( and payment processing ) as active. I asked for a reason and clarification ( through support email ) and the response was the account was, indeed, deactivated and to read sections 12 and 13 of the general terms and conditions, which states they can terminate for any reason at any time. They still have not given me a clear answer as to why the account was deactivated after being approved just one week prior. Square ( Block, Inc. ) seems to be intentionally misleading customers to participate in the XXXX program in order to collect monthly service fees and then promptly deactivating the accounts for no reason. I'm curious if they can even process payments for XXXX merchants through their proprietary network/providers? This program seems like a scam and square appears to be deliberately misleading consumers and failing to be transparent with the process. Also, it has been over 7 days since the initial email I received from Square Compliance and my account still shows as active, accepting orders and accepting payments and there is no note about deactivation anywhere in messages or on the dashboard. Why is there a disconnect and for so long?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and this statement is being written by me. Per Fair Credit Reporting Act 15 USC 1681 section 602A states ; I have rights to privacy. According to 15 USC 1681 section 604A Section 2, consumer reporting agencies can not furnish an account without my written instructions. US Code section 1681C-2 states a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. These accounts should not be listed on my consumer report as they are in violation of 15 US Code 1681. I never gave any consumer reporting agency written consent/instructions to report anything on my consumer report which violates my rights as a federally protected consumer. Additional Unauthorized hard inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control.

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully implore you to promptly update my account with the correct information.

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 2023-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Extended the vehicle lease account without consent or without my autorization. Even after that, no intimation was given until I happen to login online account and was surprised to see the lease was extended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with citi bank. After making initial transfer to open the account. I deposited a payroll check to the account. The account was closed the following business day. I called and visited the branch and no one could explain why the account was closed. I received a letter saying they are closing my account and that they will return the funds in 60 days.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX several times trying to make any arrangements that I could. They gave me no options but only 15 days prior to them closing my account. Right now Im working check to check, and the more theyd call and call was very draining and stressful. The balance stated owed was XXXX, still yet sent no agreement or anything they sent it straight to collections without my consent and my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
DISCOVER BANK XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TX

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.

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 2023-10-24 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: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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