vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
They say that my account would be close and my money was going to be sent to me but this still has my account suspended and under review is they dont send my money in XXXX week I whould been reported to the XXXX and going to sue then.I am tired of the game they bit playing with my money who they think they are not even theXXXX  play like with people.worst back ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I attempted to close my Citizen 's Bank XXXX account through the phone. I was assured that my account would be closed, and that the remainder of my account would be sent to me as a check in the mail. 

I received the check within a few days, but never received confirmation that the account was closed. On XX/XX/2023 I wrote Citizen 's Bank a letter asking them to send me confirmation that my account was closed. 

On XX/XX/XXXX, I received an email saying that a scheduled transfer from my main XXXX XXXX was going to take place to my ( should now be closed ) Citizen 's Bank account. I called Citizen 's Bank and asked the representative to confirm that my account was closed, and asked to verify that any scheduled transfers were canceled. She confirmed that the account was closed and that the scheduled transfer would not go through. 

I have only had bad experiences with Citizen 's Bank and therefore didn't trust this, and so I paid {$15.00} for a stop payment request from my main bank. As I suspected, I was lied to by Citizen 's Bank and the scheduled transfer was attempted XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was a victim of fraud. I was in the hospital fighting for my life for almost XXXX years. I have the paper work to prove this. A relative of my mine opened up XXXX credit cards in my name without permission. I do not want to be held responsible for these account. I have supporting document from the XXXX  supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Overland Bond & Investment Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$23000.00} XXXX  {$11000.00} OVERLAND WAS PLACE ON MY CREDIT FOR A CAR I FINANCED IN HOUSE.. 
After My bankruptcy Things got overwhelming. 
I could not afford this car.. I volunteered to return the car.. The original loan date was XX/XX/XXXX.. 
The company keeps update the date so it do more damage to My Credit.. 
This should have been removed from my credit its been 7 years. 
According to the Fair Credit Reporting Act ( FCRA ), negative items can appear on your credit report for up to 7 years. These include items such as debt collections and late payments. The time frame begins from the original date of the delinquency ( the date of the missed payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
N accordance with the fair credit reporting act XXXX account # XXXXXXXX has violated my rights 15 u.s.c 1681 section 602 A state. I have the right to privacy 15 u.s.c 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account with out my written instructions Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A communique/notice was sent to Capital One Bank XXXX informing their representatives of the following events, on XX/XX/2023, and XX/XX/2023 the " Consumer /Applicant, XXXX XXXX, SS XXXX XXXX, ( Application XXXX ) requested for a line of credit and was unjustifiably denied ( an extension of credit ), in contravention to Sec. 1002.7 ( a ) 12 CFR ( A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ) Respondent, please be advised that the open end consumer credit plan, under the laws of the CFPB ( Sec.1602 ( j ) of Title 15 USC ) in which the Consumer/Applicant, XXXX XXXX, XXXX XXXX under, can't be denied credit ( for " faithfully exercising his Rights or any other prohibited basis ''. ) under the Equal Credit Opportunity Act. [ Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ]. 
The XXXX XXXX XXXX  ) ( after being provided with proof of employment and banking statements ) were advised that any violations of the Equal Credit Opportunity Act [ Sec. 1691 of Title 15 USC and 12 CFR Part 1002 Regulation B ], regarding the unjustifiable denial of consumer credit to an Applicant/Consumer ( within the scope of Sec. 1002.7 ( a ) 12 CFR and Sec.1602 ( j ) of 15 USC- an open end credit plan and open end consumer credit plan ) is a violation of Federal Law and a breach of your fiduciary duty under the XXXX and laws of the CFPB Civil Liability for willful noncompliance can be found under Sec. 1681 ( a ) ( 1 ) ) A ) and under Sec. 1691 of 15 USC. 
The applicant/consumer, XXXX XXXX XXXX XXXX for the creditor to kindly to reconsider his or her recent decision and extend the line of credit to the applicant/consumer, XXXX XXXX upon the receipt of this notice and request for reconsideration or XXXX provide him with proof that the laws enumerated herein ( Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ) .do n't apply to this financial institution and the denial of credit did not violate any federal laws before responding with a final decision The representatives of Capital One Bank XXXX disregarded my attempts to rectify and resolve the problem and denied the applicant for BIAS and or PREJUDICE reasons ( in a reply email ) asserting that the applicant ( with a XXXX XXXX score, and a customer of the bank, with a checking and a savings account in excellent standing ) was not Credit Worthy . Notice was sent to several representative of the Financial Institution, XXXX XXXX and the notice and warnings were all disregarded,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX  days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  { XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account { XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i dont have cards from these banks issued on dates listed or within 30 days check my credit report XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025

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 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
To Whom It May Concern, On XX/XX/2023, my XXXX Credit Card was charged {$3900.00} for airline tickets through XXXX. These were fully refundable tickets and we cancelled these tickets on XX/XX/2023. However, only {$3600.00} was credited to the XXXX Credit Card. {$230.00} was not refunded. 

After further investigation, we discovered that the initial charge should have been for {$3600.00}, as that is the amount that showed on XXXX and that is the amount that was refunded by the merchant. We were made whole as far as the merchant and XXXX are concerned. 

I brought this discrepancy to the attention of XXXX Credit Card as a dispute. I have been going back and forth with them since XXXX. They are denying this dispute. Therefore, I am bringing this to your attention for further investigation. Something fraudulent is going on here and I do not intend to be left with the short end of the stick. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX KS Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 XXXX XXXX XXXX. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I spoke with the Western Funding team on XXXX and informed them I was unable to make the payment due to late commission being paid. They said no problem and made payment arrangements on XX/XX/ my XXXX informed me that they were calling looking for me regarding the payment and asking as if I have not talked to them at all. When I called the representative on yesterday, she said they were looking for me to return the car to the dealership. When in fact, I have already called western funding on several occasions and advised them that I would be making the payment with a secured payment by card on that date. The Representative then start drilling me that it is against the law for me to sell a car that I don't have a title for which any normal person knows this information. I informed her that I will be paying off the loan within the next few days. I felt threatened and mistreated as a customer because of this experience. '' She told me that's why I can not afford to pay for my car. '' I called back and talked to someone else, and they informed me that I could make the payment which I took care of yestersday so my family would not be contacted anymore when I already called and talked to WesternFunding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to dispute the collection efforts regarding accounts of the alleged debt below that you claim I owe. I am aware that under the Fair Debt Collection Practices Act, you are prohibited from using any false or misleading representations in your attempts to collect a debt.Specifically, You are in violation of 15 U.S. Code 1692e ( 10 ) False or misleading representations, which prohibits the use of false or misleading representations in connection with the collection of a debt. Also I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. Your attempts to collect the alleged debt have been misleading and deceptive, as you have failed to provide me with sufficient documentation and proof of the debt.

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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I I recently use my debit card to complete a purchase on XXXX XXXX  for my XXXX  birthday party the XXXX  ended up scamming me and not writing me back I have proof from text messages and request trying to get my money back no answer I reached out to my bank to dispute the transaction they told me because of the type of transaction that it couldnt be disputed

Company response to consumer: Closed with explanation