vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda financial is harassing me, with calls and letters. My loan is paid off and I have my lien release letter and already have my clean title. Please Ask them to stop. Legal action will follow If this does not cease. I have also sent them a cease and desist notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Today I spoke with Equifax XXXX, another, then XXXX whom refused to correct obstructions due to their negligence and allowance of consistent false and fraudulent credit slandering without proper FCRA diligent process and ids and documentation, such as XXXX XXXX XXXX XXXX XXXX who's consistently reported false and fraudulent credit reports without ever providing any validation, documentation or Ids numerous times after I've demanded it numerous times as my right under FCRA, and have been denied everytime by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax , and all entities.They wrongfully are obstructing MY credit themselves adding to the nightmare im already going through and placing a wrongful restriction on my credit, all the while allowing identity thieves and false and fraudulent reporters report false info at will with no ID, no documentation, no valiation, all of which ive demanded under my rights under FCRA many times and been denied everytime ... because it doesn't exist legitimately and is not mine, now theses shady credit agencies demand more info to remove their wrongful restriction that is obstructing my credit and me wrongfully without reason and after months providing them info the identity theft and fraud against me has only gotten worse so that's a hard NO, I was advised by experts to not send out any more of my info to these so called " trusted '' private agencies due to what I've experienced with them and the identity theft and fraud against me I've been and still going through which theyve only seemed, as seen here, make it worse. I've made all proper reports I know how and been told to. 
They are responsible and I expect them to stop obstructing me and do their diligence on the fraudsters and identity thieves and id them and stop and restrict and stop them.Their non actions and everything has been meticulously documented since XXXX XXXXNo excuses, correct your wrong Equifax is responsible for and all damages that ive endured arising from their wrongful actions and practices.Do not dishonestly obstruct me further and protect my information from the identity thieves in which your entrusted to do is what I expect period. 
XXXX even told me to drive to XXXX office, in XXXX, ridiculous I'm in no shape too and live in XXXX, XXXXThese people seem to get away with these shady tactics by hiding their name even where their calling from, but expect every piece of info from me, and I have obliged as I thought I had to and they were legit, until now where I've been advised not to and to fully keep documenting, and will continue too diligently document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: NC

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 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I bought my car in XX/XX/2023 with a high interest rate of over 25 %. Credit acceptance is getting sued for high interest rates. This rate is very high.

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 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.

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 2023-09-21 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: DISCOVER BANK
State: NY

Complaint narrative:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # 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

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted a complaint with the three credit bureau well over XXXX  days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted a complaint with the three credit bureau well over XXXX  days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...

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 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Yesterday I went to Citizens Bank in XXXXXXXX XXXX to get a mini-statement at the ATM. Instead of a mini-statement, I received a printout stating that my account had been deactivated. My wife and I had made a {$5000.00} deposit the day before so of course I was concerned. I had also linked my company 's XXXX account to the checking account. 
I came home and called the bank and spoke to the branch manager, XXXX XXXX. When I asked her for an explanation she immediately became hostile. In a condescending and aggressive tone, she told me that the {$5000.00} check did not meet XXXX Bank 's standards and that they had therefore deactivated my account and that they would hold on to the {$5000.00} for over a week. When I told her how ridiculous this was ( the check was from our XXXX XXXX account ) she became even more belligerent telling me in front of two tellers and a customer how much money I had in the account. When I asked to have my accounts closed she informed me that it did matter because I only had a few hundred dollars and that Citizen Bank would still hold our {$5000.00} even after I closed the account. 
When we called XXXX XXXX they were baffled. They informed my wife and I that XXXX XXXX was not " holding '' the check. Citizen Bank had cashed the check and debited our XXXX XXXX account. 
So, I closed my accounts at Citizen Bank. And- they now have our {$5000.00} to use however they choose for another week. The branch manager XXXX XXXX yelled my account balance inside the branch with a customer and two tellers in there. That is an invasion of privacy and they are still holding on to my {$5000.00}. We took the same check to a different bank and had no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
I have fraudulent account from XXXX XXXX on my credit report that just popped up today as collection status. I never opened this account and I XXXX XXXX has not been able to verify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-21 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:
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.

has violated my rights. Or a list of inquir

ies : 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 2023-09-21 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: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-09-21 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: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am wanting these deleted because I did not authorize the companies to run my credit this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Hello Consumer Financial Protection Bureau, This complaint is in regards to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX. CFPB, could you contact USAA on my behalf, to USAA President XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method based on the following information provided below to support my case : Supporting Evidence : For eight months ( XX/XX/XXXX through XX/XX/XXXX ) I tried to resolve the issue regarding the defective XXXX Front Load Washer I purchased online on the XXXX XXXX website with XXXX XXXX, XXXX Customer Support, and XXXX Authorized Agents/Service Technicians . Unfortunately, CFPB after eight months of trying to resolve the issue with XXXX Customer Support, and their Authorized Agents I tried to resolve the issue with USAA Federal Savings Bank in XX/XX/XXXX. CFPB, I have a harasser and I believe he/she could be at Consumer Financial Protection Bureau to delete my case/complaint. CFPB, could you assign one of your highly trained and skilled employees to resolve my complaint. Again, CFPB could you ensure the CFPB Representative whom is assigned to my case contacts USAA President XXXX XXXX on my behalf, to ask XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My wife was checking our home email and noticed 2 emails from Chase. One email was notification of changing my contact information, the other stated that the credit card application was pending. I immediately called Chase and spoke with their Fraud department to inform them that I had not applied for a credit card with them. They informed me that the application had been denied and that I should file a Identity Theft claim. I asked them to provide me with the name of the person ( s ) who had applied for the card and was told that I had to send them a letter requesting this information and to include a photograph of either my driving license or passport.

I explained that this was ridiculous since I was only asking for information that pertained to my credit. Chase said they would be sending an Identity Theft Kit to our address and it explained all that was needed. I then text a police investigator that is looking into a Scam matter for me, and he said that I should try and get as much information as possible. Luckily we have frozen our credit and also blocked our credit cards, which contributed to the application being denied. I am now filing a complaint with the CFPB.

Company response to consumer: Closed with explanation