vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
We financed a vehicle on XX/XX/2023 from XXXX XXXX in XXXX CO through Americredit/ GM Financial . Around approximately XXXX XXXX XXXX we were contacted by financial office with XXXX XXXXXXXX regarding some documents for the above listed bank. We had no communication with dealership or bank until XX/XX/2023. That was a phone call I received from the dealer that we were required to return the vehicle to their location as requested by the above bank. The reason or explanation we were given was that there was a discrepancy with the address on file. We did not hear from the bank directly regarding any issues. When we questioned the request and any paperwork to justify all we were offered were phone numbers to call or receive a phone call with further explanation. Despite this whole upsetting ordeal, we still werent provided with substantial information regarding their reasoning. We werent offered any money or payments put into car, not to mention vehicle licensing and registration. I would say after 5 months, there should be a little more of a logical explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX and XX/XX/XXXX, my account was closed because of fraud on my checking account associated with Bank of America. I was unaware of the fraud immediately, but when I became aware that my statement was inaccurate, I locked the account and it took more than a month to resolve the fraud because I had to come into the office in person. When I did we realized that in the process of getting this resolved I had missed a credit card payment. The only payment I had ever missed with Bank of America. They reversed the fee right away and I moved on from the incident. Now I am looking to buy a house and all three credit bureaus show that I have a 30 day late payment on my account. I tried to resolve this in XXXX of XXXX and never heard back from Bank of America and the credit bureaus never XXXX XXXX Bank of America as well. I called again on XX/XX/XXXX and they apologized that the information entered in XXXX was inaccurate. I was told they could fax me a credit dispute letter within XXXX hours and that I was all set. I called after XXXX hours because no fax had been received. During this call I was told that the XX/XX/XXXX call was also inaccurate and that instead my case is being considered by their review team and that it would take XXXX business days before they would even have a resolution and that I would have to call them to check on the status or else I could wait another XXXX weeks for the letter to arrive in the mail. 

Countless times I have asked what I did wrong or why I need to prove that I deserve this to come off my credit report when I was the victim and the only answer I have received is that if I setup autopayment it will show I am committed to not letting this happen again. I just want to buy my first home and I worry that I will be out thousands of dollars for Bank of America 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Please do not mark this as duplicate, since I was instructed by the previous Chase representative to submit a new claim through CFPB. 

Here 's the updated claim : I made a reservation with XXXX  for the period of XX/XX/2023, to XX/XX/2023. Prior to the scheduled stay, I found myself dealing with a significant medical emergency and made an inquiry about the possibility of a refund if I had to cancel my reservation, but never agreed to a cancellation if theres no refund. If the reservation cant be cancelled or has to be cancelled without refund then I would just gave this reservation to my friends and family. To my surprise and without my consent, the reservation was cancelled by the merchant and the dates were made available for rebooking. I had never agreed to this cancellation, let alone without the provision of a refund. The abrupt cancellation by XXXX, without my explicit approval, left me at a financial loss, having paid upfront for services that were never rendered. Despite several attempts to rectify this matter with the merchant, the situation remains unresolved. As of today, I have not received any reimbursement for the cancelled reservation, and I believe this constitutes a violation of my consumer rights. The sum at stake is {$1400.00}, and I am seeking a full refund of this amount. I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter and to ensure the prevention of such practices in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am trying to buy a house and its defamation to my character and livelihood.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This complaint is in regards to XXXX. I did not see the companies second response until today, when I went to the CFPB website. 

Capital One 's response was : We took another look at our previous investigation and have confirmed the actions taken were correct. To help with your records, we've enclosed a copy of the letter we sent you about your case. Additionally, you sent information showing that the company compensated you for the issue. We are respectfully declining your request for further compensation from Capital One. 


This is not true! The company did not compensate for anything. I had to take XXXX to court to get the money from the clearly fraudulent charge that Capital One allowed. Capital One did not reimburse me for the {$97.00} of interest on the fraudulent charge. The total compensation was XXXX! The pain for Capital One forcing me to take XXXX to court instead of doing what was right, was tremendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How XXXX the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-21 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: GA

Complaint narrative:
This complaint is about this noted Company having a reputation as being an easy target for Identity thieves. I have been experiencing identity theft since XXXX, XXXX due to a Data Breach by XXXXt XXXX XXXX XXXX . XXXX XXXX  XXXX has my Case. Loans, Credit Cards, etc. were taken out in my name as these thieves had my personal info. due to this Data Breach. All Companies have been easy to work with, except for this company. I had well over 20 fraudulent inquiries on my Credit File. This company wants me to do all the work for something they allowed. This is not a XXXXustomer Oriented Company, and I would not recommend the financial services of this Company to anyone. 
XXXX XXXX XX/XX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately.

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately.

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IA

Complaint narrative:
XX/XX/XXXX  {$1600.00} check wouldnt cash had me go somewhere else for {$6000.00} and would be refunded what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I disputed a transaction at XXXX XXXX XXXX XXXX dated XX/XX/XXXX  in the amount of {$1200.00}. After XXXXXXXX XXXX recommended a valve cover replacement I took the vehicle in to XXXX XXXX which determined that the valve cover had a hole which was covered with electrical tape. 

The Check Engine Light has been on ever since XXXX XXXX recommended the valve cover replacement. Because this repair resulted in damage to my vehicle and because I was not presented with a written estimate prior to it being made, California law allows for a full refund of this charge. 

I submitted all the evidence to XXXX and they denied my dispute without giving a legitimate reason.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC
State: FL

Complaint narrative:
There are many issues that have arose from using this company up to their deceptive advertising not letting you know you are entering in a lease and then once the lease is payed you enter into a loan. To their calling procedures you answer their call and its dead silent for 5 seconds and then hung up and you have no idea who it is. As well there agreements that confuse consumers and are not properly disclosed or discussed. I purchased tires for a total of XXXX on XX/XX/XXXX I didnt receive item till XX/XX/XXXX I entered into a lease agreement well a 90 day buy out option is XXXX plus what I already would have paid if I didnt do the buyout I would have to enter into a loan to purchase the product that was false advertising. I was never provided any disclosures when signing the agreement and when the loan agreement was signed I was never provided my truth in lending act disclosure my privacy act was violated I never gave permission/consent on my lease agreement to report to credit bureaus as the lease and loan are to separate documents I believe many laws have been broken including the FCRA Also they have reported to the credit bureau that I am 120 past due when I fell into a hardship to due to covid and being hospitalized a little while after that and XXXX XXXX as well identity theft I spoke to a gentleman that said make the 150 dollar payment and we will not be reporting to the credit agency we will work with you so I did that and they started debiting my accounts normally bi weekly well to due my identity my bank accounts were accessed and as well as my emails I was forced to freeze my debit accounts and credit reports I tried to let them know when they called but It was a robo caller and just hung up but how can I be 120 days past due if I have been making all my payments except for the times of my hardships.also you cant even see your statements on your portal at all I have provided all the documentation to show them of hardships and after a year and some time they start reporting on my lease that I never consented to or disclosed to. 
A soft credit pull was pulled on my account I was not able to shop around as I was unaware that I was applying for both a lease and a loan with a interest rate of 16 % this reminds me of when I had XXXX XXXX and there practices but worse..I was only in stage 1 ( lease agreement )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX  account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXX XXXX  XXXX  continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX  XXXX XXXX  on multiple occasions and they continue to tell me that this will get resolved and it has not been.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX  account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXX XXXX XXXX  continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX XXXX XXXX on multiple occasions and they continue to tell me that this will get resolved and it has not been.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: GA

Complaint narrative:
the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
Experian, XXXX and XXXX have also violated my right to privacy according to 15USC 1681 ( a ) 4. 
According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act I was never given the opportunity nor told that I had this option, again a violation of my rights. 
1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : 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 explanation