vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the 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.

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 2022-07-16 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: SC

Complaint narrative:
I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Received calls that I had charges on credit cards that I didn't open. Was told by caller that someone else opened credit cards using my information. Said SHE ( foreign accent ) needed to call my banks to report the charges. Gave name of bank. She said she called the bank, but when the call went thru, a foreign accent male was on the line. Couldn't understand him. Told him to call back & I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
I disputed my final XXXX XXXX XXXX ( after XXXX years of service ) when I terminated my account on XX/XX/XXXX because they refused to provide a prorated amount based on date of cancelled service. They continued to bill for the entire month of service XX/XX/XXXX - XX/XX/XXXX, even though my account was cancelled and transferred to another XXXX on XX/XX/XXXX. XXXX turned over the debt to a debt collector XXXX, XXXX in XX/XX/XXXX. I submitted a partial payment for the period of time I had service. This payment was refused because it was not for the entire amount shown. I continued to dispute the debt withXXXX, XXXX and refused to pay. I provided copies of bills showing the billing period and asked them to go back to XXXX and have them provide to me in writing why these charges were valid. XXXX, XXXX notified me stating " the client '' has not changed their position. I then received a new notification from a new debt collector McCarthy, Burgess and Wolff the end of XX/XX/XXXX, starting the debt collection process all over again. I paid the bill in full because I no longer want to be bullied or harassed by XXXX or any company representing them. I submitted a letter to McCarthy, Burgess and Wolff stating the payment was under protest and I provided all back up documentation again, showing the bill in question and when the services were terminated. XXXX XXXX is a bully and their customer service is non existent. I am appalled that they can get away with this type of behavior. I have always paid my bills on time. I feel violated that my only course of action was to pay a debt that I do not owe in order to have this matter settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted TRANSUNION via phone and mail several times about the account mentioned in the attached letter below. TRANSUNION has received notarized affidavits from me and letters making them aware of the damages that their false and inaccurate reporting has caused me. Yet they continue to report these accounts willfully. 

Under 15 US Code 1681b - Permissable purposes, they need my written consent before reporting anything on my credit report. My written consent was not given. This is aggravated identity theft. I have not been able to extend credit or qualify for loans because of this erroneous reporting ACCOUNT : XXXX INQUIRIES : XXXX - XX/XX/2021 XXXX  - XX/XX/2021

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-07-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. The company has been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Its been over 60 days and no one still haunts resolved this issue which to my concern that it should be corrected or deleted. This complaint is for Experian. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : Been disputing this account for to long not to see any results happening I demand {$1000.00} per violation on my credit report or DELETE the negative account and any other inaccurate negative information you are reporting on 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 2022-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I have had Citibank 's savings account for years and at the time of opening the account was very clear that I am on limited income and only need saving account that does not have monthly service fees. I haven't been getting charged as expected. However, when my son checked my account recently he noticed that I was getting $ 25 monthly charge for past 3 months although nothing has changed. 

When I tried calling to get this resolved, I kept getting put on hold and transferred to number of people without any solution. I also tried logging into the site and using their Chat feature and " XXXX '' who was the rep couldn't tell me why my account package changed and by whom but it now requires $ XXXX balance to avoid fees. I have never had $ XXXX in my account nor do I expect to have it. 

He did mentioned that he could " downgrade '' the package to avoid fees and refund one month 's charge. When I asked him why it was " upgraded '' to being with and by whom he couldn't answer. I need my full refund and need to make sure they can't change the package on their side and start charging fees and I have to spend hours correcting their problems. 

I am concerned about their process and why they can change the " package '' to conveniently charge fees without my approval!!!

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 2022-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
WAITIING FOR 8 WEEKS NOW -- -THIS ISSUE HAS NOT BEEN RESOVLED! 

CITIZENS BANK STILL HAS MY {$5000.00} & REFUSES TO RETURN OR ALLOW ME ACCESS TO IT! THIS IS THEFT -- PLAIN & SIMPLE! 

I received a promotional advertisement mailed specifically to me from Citizens bank. Despite following the instructions and funding a checking and savings account, the accounts were closed. The funds for the checking account ( {$50.00} ) were reversed and returned to me. The funds for the savings account ( {$5000.00} ) were NEVER RETURNED. I have contacted Citizens multiple times via chat, phone, and in person without resolution and am told, " We have no record of your account, so were are unable to help you ''. We I called to speak to a supervisor, Iwas on hold for over 1 hour, connected and then was hung up on. For proof, attaching : -photo of direct mail advertising promotional offer -email from Citizens that {$5000.00} was received -statement from my sending bank {$5000.00} was debited -screen shot of 1 hour call to Citizens.

Attaching documents to prove my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: CO

Complaint narrative:
XXXX XXXX XXXX  XXXX auto loan opened XX/XX/XXXX amount charged off {$4500.00} and written off {$5400.00} account charged off XX/XX/XXXX no payments due no monthly payments in accordance with the fair credit reporting act XXXX  account 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 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was attempting to sell an item through marketplace, the buyer requested a transaction through XXXX. I was not familiar with XXXX so when I received emails from them they seemed legitimate. They were asking for more money to be put in to make it a business account. I unfortunately fell for the scam. I lost {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My Experian account has experienced identity breaches twice, one on XX/XX/XXXX and one on XX/XX/XXXX. Someone beside myself has hacked into my account, changed my account username and password and the answers to my security questions. 

During both events I have called Experian customer service to understand the situation, ask them to provide as much details as possible on who is changing my email, how they changed it and have them please change the account back to my current email address. I have made numerous attempts to Experian with calls and emails, but for most of which the assistance I received were unsatisfactory. 

I believe that the breacher has gotten hold of my social security number and living address. In fear of physical danger and loss of credit accounts that associate my identity as well as other social/reputational threats. I have also filed a police report ( see email attachment ). During my initial contact with Experian I understand that the breacher has done so with malicious personal intent, for the answer to the security question they set to contains a swear word. However, I was not able to find out how they bypassed all the other questions. During my second contact with Experian they asked me to send in my identity documents through physical mail, which I did, but they claimed that they have not received the documents ( see email attachment ) and thus refuse to reset my account. I believe the breacher is the person I have a restraining order against but I can not prove it, and Experian is unwilling to work with me. 

In all events, Experian has shown negligent attitude and provided insufficient response to my request to obtain the event logs on the changes of my account. As a result, I am not able to supply the details to the police and court officer to investigate and help me put the breacher under justice. Experian is also unhelpful in providing reassurance that this type of event is not going to happen for a third time and guidance towards potential identity theft due to these events.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have a XXXX Hyundai XXXX XXXX. I leased the car in New York, and at the end of XXXX I moved to New Jersey. In order to register the vehicle in New Jersey, I need Hyundai Motor Finance to release the lien on the title. Simply, they need to send the title to the DMV so I can register my vehicle in this state. 

First attempt was XX/XX/XXXX. They told me it was processing and would be done in 7-10 days. 

Called back in XXXX. Same thing. I've since been calling almost every 2 weeks since. 

In XXXX, they finally " submitted '' my request. Only to find out in early XXXX that the request to release the title was denied because " the proper sales tax information was not provided ''. This clearly does not make sense, because sales tax was paid at the time of lease signing, and they are the one 's who have the lease in their possession. They are Hyundai Motor Finance. 

A representative from Hyundai told me I needed to resolve this as the DMV. I went to the DMV, and they told me this was nonsense. They would never " reject '' a title, it's not possible as title 's are recieved in the mail. They do not even consider sales tax in the recieving of a title. 

The DMV then provided me with a form to send to HMF, requesting again for the title release. I faxed and emailed the form to HMF. I called 2 weeks later, and they said it was never received.

Finally I got a " specialist '' on the phone who agreed with me the sales tax denial did not make sense, and they told me they submitted the request again with the proper information. But at this point after 6-7 months, I do not have faith this is being handled correctly. 

My New York registration is due to expire on XX/XX/XXXX. I have been waiting 6 months for Hyundai Motor Finance to send the title to my DMV here in New Jersey to register the vehicle. And I am going to have an unregistered vehicle soon because of this.

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 2022-07-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the 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.

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 2022-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
It is my job to hold you in compliance with the Fair Credit Reporting Act however it is still my responsibility to make sure every item is reporting accurately so that my credit report is fair and equitable to me, so take notice! Initially I was writing to you to challenge you to verify the validity of the accounts listed below, but then I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following accounts inaccurate! Onemain FinancialXXXX XXXX Pursuant 15 usc 1666d- whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor shall refund any part of the amount remaining credit balance and make good faith effort to refund to the consumer by cash, check or money order.Onemain Financial- XXXX

Company response to consumer: Closed with explanation