vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 non-monetary relief
Consumer complaint received 2022-09-03 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: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
I submitted a dispute asking what proof was provided to very the acct they dud not provide any proof the the collection was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark 's response did not address my concerns. 

My social security card is a credit card pursuant to 15 USC 1602 ( l ).

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from the consumer report. This transaction that I am speaking about is a specific extension of credit and shall be excluded. 

They openly admitted that their policy doesn't abide by federal laws and that they are sticking to that. The person who responded on behalf of Lendmark was not there for the consummation of the transaction and has no first hand knowledge of what took place and what information was or was not disclosed to me. Please declare that I was disclose with adequate disclosures required by federal law under the penalty of perjury. I did not CONSENT to any of my nonpublic personal information to be shared with anyone as it related to this private transaction. The sharing of this information is a violation of my privacy. 

Their statements " Does Lendmark Share? Yes. Can you limit sharing? No. '' " Should the customer want to limit the types of sharing, they can call '' contradict themselves, this is also further proof that they are failing to uphold their responsibilities under 15 USC 6802. You can not tell me that I do not have the right to limit sharing when federal law says that I am supposed to be provided with the opportunity to opt out of sharing. 

What laws says that Lendmark has the right to report anything to anyone without MY permission? What law says that Lendmark has the right to continue to disclose my nonpublic personal information with any third party before giving me the disclosure to direct that such information not be disclosed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 non-monetary relief
Consumer complaint received 2022-09-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2022, a check for {$10000.00} was deposited via atm in my minor child 's account with my name attached. This transaction is fraudulent, and Navy Federal Credit Union is telling me that I am responsible for paying the money back to the banking institution as my child is a minor. I explained that I had nothing to do with the fraud and requested that an investigation take place on my behalf to get to the bottom of who was responsible. I filed a police report on XX/XX/2022, regarding the matter and provided the case number to Navy Federal Credit Union. After further investigation, despite my efforts to prove my innocence, Navy Federal sent correspondence informing me that I am liable for the money and that if I don't pay it back, I am subject to a charge off on my credit report. Navy Federal garnished any funds in my checking account. As a result, I incurred overdraft fees from the banking institution due to creditors trying to debit my account for monthly bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: OH

Complaint narrative:
I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

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 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 2022-09-03 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: OH

Complaint narrative:
I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

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 2022-09-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX and Equifax are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for Equifax to remove XXXX XXXX and XXXX. I've made several phone calls to attempt to have this matter resolved, but Equifax is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: KY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio ns

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 2022-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I received an email from this company stating I was denied credit with their company and I did not apply for credit. They had all my personal information and I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: KY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

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

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

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 2022-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One withholds precise information about the statement period for my account. I want to know when the current statement period ends. Capital One refuses to reveal the information on their web portal or app, until the period actually ends. At best, when I search extensively I can find only a range of possible end-dates. Furthermore, there is no way to lodge a complaint online. 

By contrast, my XXXX XXXX account tells me up front the date on which the current statement period will end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX XX/XX/2022. After many exchanges of letters with BMO Harris Bank, I was informed that the account I am disputing had been struck off their books and is in the form of a lien which could be straightened out in the future. And that no further actions would be taken. 

I received three " final notices '' all dated XXXX XX/XX/2022. I wonder how there can be final notices when there have not been any " notices '' prior to this. 

BMO Harris has been sued in a class action filing and was convicted on deceitful and unfair practices. I believe that I am a victim of those efforts.

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 2022-09-03 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: TX

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

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

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

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 2022-09-03 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: TX

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: PA

Complaint narrative:
{$760.00} was transferred to another Netspend user I don't know named XXXX XXXX XXXX XXXX.i admittedly notified NetSpend and they denied my claim because they say the IP that was used has been logging in to my account since XXXX. I searched and the IP is based in XXXX Washington. Im in XXXX pa XXXX miles away so it was not my IP. The only transaction the IP made was to steal {$760.00}. I did XXXX  transaction my own ip.

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 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: ID

Complaint narrative:
I opened an Ace Flare on XX/XX/XXXX through the following link : XXXX XXXX XXXX This bonus offer required opening the account by XX/XX/XXXX ; setting up and receiving within 90 days of account opening, direct deposits totaling at least $ XXXX and maintaining these direct deposits for 3 consecutive months ; and completing 5 purchase transactions per month for 3 consecutive months. I should then receive {$100.00} within 10 business days of completing the activities. My account history is : XX/XX/XXXX : Opened XX/XX/XXXX : ( XXXX ) card transactions XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$500.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$500.00} direct deposit from my work I should have received the {$100.00} bonus XXXX business days after XX/XX/XXXX, which would be XX/XX/XXXX. I did not receive the bonus and instead have had to keep my account open, which resulted in another {$5.00} fee for my account. In addition, Ace Flare did not refund the first monthly fee of {$9.00} despite me not being able to get a direct deposit in time.

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 2022-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with Capital One in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give capital one any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse Capital One has created. I am extremely disappointed in Capital One for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: TX

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

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

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

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 2022-09-03 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: ID

Complaint narrative:
i had two accounts with this company. In XXXX i attempted to pay one off i called to make the pay off that was listed online they told me that the amount had changed because they had already started the process to take the next month payment out, and that the process could not be stopped. So i paid the higher amount to get the account paid off. Then in XXXX. I called to set up a automatic payment for XXXX to pay off my second account. i waited all day and there payment never went through so i called them on XX/XX/XXXX and asked them what was going on. they gave me a new amount to pay off. when i explain what had happen they said my bank declined the charge. i spent over 1 hour on the phone talking to 3 different supervisors and none of them were will to help me at all. I offered them to take them money they had started the payment with minus what the quoted me and i would pay the difference and the said no. So i went down to XXXX which is my bank they had no record of declineing any charge and i blocked all charges from this company until they decide to do buisness the right way. i am a XXXX veteran and every dollar counts to me

Company response to consumer: Closed with non-monetary relief