vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am Capital One Venture card customer with a {$30000.00} credit limit. I make large payments and use capital one to take advantage of their Miles reward program. I barely use capital one travel and recently have nee using it to get the miles. I reserved a hotel and accidently put in the incorrect date. When I reviewed my email and realized days later that I did that in error I tried contacting the credit card company. they told me to contact capital one travel so I did. Well the first rep that helped me was very rude and not helpful at all. she told me I couldn't get a refund because it was non-refundable, I explained to her all I wanted to do was put in the correct date. She still wasn't trying to help. I decided to call the hotel myself. The hotel said they would refund me the money as long as i had a new reservation that showed on my account, but that i would have to do it with capital one travel and theyh would contact hotel and reverse the charge. Icalled Capital one back and explained to them and told them what they had to do and this rep was a little more helpful but still did the wrong thing. she requested a refund and the hotel denied it. She did say someone woul call me in 48 hours and 2 weeks pASSED AND NO ONE CALLED ME. So i decided to call back again and thats when i found out the hotel denied the refund and i explained to them that of coursethey were going to deny it. because its non refundable at that point i escalate the problem and got a supervisor who somewhat helped me. I called the hotel again and they told me the same thing. Well we did it again and the sup informed me to make sure i reserve a refundable transaction this time to avoid having the problem. Well, the hotel denied my request because they said what if we refund the customer their money and they cancel their reservation. So then i decide to place a dispute with he credit card and that was rejected. so no matter what way i lost almost a thousand dollars due incompetence. The hotel also informed me that their penalty is only ne night but the credit card kept all my money. I feel i am a very good customer with very good history and make my payments on time. Capital one travel also uses expedia who is very good with their customer service but capital one travel was horrible and worst experience ever. I am a very good loyal customer for the huge bank not to want to help me. When they give thousands of miles away to get someone over to be a customer but couldnt help me with my travel issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

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 : # 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 XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have 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 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 2022-10-05 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: CA

Complaint narrative:
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 15 U.S.C 1666B : 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 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 2022-10-05 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: CA

Complaint narrative:
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 15 U.S.C 1666B : 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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Discover bank, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is claiming that I have not paid for the months of March 2022-June 2022. They have already claimed that they have a repo company hired to take my vehicle despite the fact that I sent them bank statements as proof showing that I did pay them for those months. 

Also with the Fair Debt Collection practices act, as well as federal consumer law, they are violating 15 USC 1692f ( 6 ) They are threatening to take my vehicle without a non judicial action. I was not given a disclosure to opt sharing information, so they are taking illegal actions violating my rights as a consumer by allowing a repo company access to my personal information They are also reporting inaccurately. By law, they have to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Selene Holdings LLC
State: NJ

Complaint narrative:
This is my second complaint against XXXX XXXX and its practices. The second complaint is that XXXX XXXX still hasn't updated our credit with the three major credit agencies XXXX, XXXX and XXXX. There records don't show any updates or record of mortgage payments made. XXXX and there Corporate Staff Attorney wrote to an investigator from the XXXX XXXX XXXX and XXXX stating that XXXX sent notification to the credit agencies and to let 15 days pass from XX/XX/2022 so the agencies can reflect the adjustments to my mortgage payments made. In other words my credit should show current and not delinquent. I was surprised to hear that my credit is still in negative standing. Once again irresponsibility on XXXX 's part this is unbelievable, unprofessional and unethical. Fighting to keep my home as they never processed the payments right, and threatening us with foreclosure and with the help of the CFPB and the XXXX XXXX XXXX XXXX XXXXXXXX it was all taken care of. I know through experience this takes time to take care of but time is of the essence, I have XXXX loans to apply for and other personal matters that my credit needs to show that I was always current. XXXX has failed to show proof after they sent me a letter stating that they did. I need this resolved!! 
Thank you once again XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: PA

Complaint narrative:
Afini IncXXXX Is a debt collector on behalf of XXXX XXXX XXXX XXXX Several attempts were made to said corporation to resolve issue. 
Accordance with the Federal Reporting AcXXXX this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 
15 USC 1681 section 604 ( a ) section 2 - also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on open ended consumer credit plan as late for any purpose. 

Pursuant to 15 USC 1692 ( c ) Cease and Desist from further collection Pursuant to 15 USC 1666 ( b ) Billing Error states- A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XXXX, I received, in the mail, a paper account statement from TD Bank for an " TD Beyond Checking '' account. 
I did not open this account. I have never done any business with TD Bank. 
The account statement date range was : XX/XX/2022 to XX/XX/2022. 
The account beginning balance was {$0.00}, and ending balance was {$0.00}. 
On XXXX at XXXX, I called the TD Bank Fraud number ( XXXX ), and was told they would investigate and close the account. 
I haven't received any other correspondence from TD Bank about the account or welcoming me to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NV

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 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 reportinq 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 I Hems or information Any other adverse item or information, other than records or convictions or 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 2022-10-05 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: TX

Complaint narrative:
I have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX  These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law

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 2022-10-05 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: TX

Complaint narrative:
I have contacted the individual companies as well as made complaints to the credit bureau directly to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX  These accounts show inaccurate information and still show a " balance due '' even though it should be zeroed out since they are closed accounts. They also have false information stating that these accounts were late when they were not. They are within violation of federal consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: IL

Complaint narrative:
In XXXX of XXXX  I signed a contract that should be null and void as the dealership and the lending committed fraud on both federal and state levels in regards to the XXXX XXXX XXXX. I'm an XXXX XXXXesident and my drivers license states this as well and I informed the dealership of this information once I realized this as they put a Missouri address on the loan and I've never been able to register this vehicle. I was told they couldn't add that to the loan which isn't true as an XXXX resident that is included in all vehicle sales and I stated this the numerous times I called trying to get this vehicle registered. They are cheating Illinois out of taxpayer dollars and by using a Missouri address they were avoiding the usury law as well as the cap on loans that Illinois has in place to protect their residents. XXXX XXXX sold me a car that had a value of $ XXXX {$10000.00} at the time of sale for {$20000.00}. XXXX XXXX and Global Lending issued me a loan for 72 months and I will end up paying 4 times what the car is worth and double the loan amount which isn't legal under state or federal law. I paid {$2500.00} as a down payment and instead of subtracting that amount from the cost of the vehicle it was taken off the full loan amount. I shouldn't have to pay the full amount as XXXX XXXX got paid the full amount of a vehicle which is committing fraud along with Global Lending. I was under the impression this vehicle had a XXXX mile warranty and wasn't made aware of this until I called to inquire about some issues with the vehicle. I wasn't fully aware of the fraud that had taken place and was unaware what I had signed as I thought the total of the loan was {$20000.00} as I was never made aware the vehicle had a 100 % markup as well as the loan. XXXX XXXX and Global Lending are aware that different states have different laws and that is why they refused to use my XXXX address but instead my girlfriend address. I was scammed and a vehicle that can't be registered is not a valid sale. Illinois has a Usury law and it has clearly been violated and this contract must be voided as they have cheated and scammed Illinois out of taxes and other fees associated with the sale of a vehicle. Both companies need to be investigated as other residents may have endured the same fate and didn't know they had remedies. I'm one resident but there may be other residents in other states who may not be getting the money they are rightfully owed. How many other residents may be owed money because they may have paid the loan off early and my be owed a refund on the gap, warranty or the down payment because the payoff amount was incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Credit Union has {$10000.00} that should be returned ASAP to the sender. 
It was original send on XX/XX/2022. Navy Credit Union said it will take up to 240 days from XX/XX/2022. Mean while we have been send to collection. 

Please call me for a full discloser.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MI

Complaint narrative:
on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX XXXX account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.

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 2022-10-05 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: MI

Complaint narrative:
on XX/XX/2022, i received a letter from XXXX stating that the XXXX XXXX  account on my credit has been deleted from my credit file because that account didnt belong to me. 
on XX/XX/2022 i received another letter stating that the XXXX XXXX  account has been deleted off from my credit file because that account didnt belong to me either. 
Although these accounts have been deleted they still remain on my credit accounts and it is affecting my credit score, i need these accounts removed because they dont belong to me.

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 2022-10-05 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: CA

Complaint narrative:
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