vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-12 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I leased an XXXX XXXX XXXXXXXX XXXX  model in XX/XX/XXXX. The lease was for 3 years, ending in XX/XX/XXXX. Upon the completion of my lease, I obtained a payoff amount to buy out my vehicle. I then submitted a payment in that amount to the leasing company in accordance with their instructions. My account shows a {$0.00} balance, and the money I sent has left my account. This happened back in XXXX of XXXX. Since then, I have contacted the company dozens of times to get the title released or get instructions on additional requirements, but I haven't gotten any response. I don't know why 4 months after paying off my car I still don't have the title? I need help to get my title for a car that I have paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK 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 2022-05-12 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXXXXXX BANK Account # XXXX, XXXX XXXX BANK 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 2022-05-12 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The attached document will show my efforts to get a resolution of my complaints. I have sent several written documents to PayPal Credit and Synchrony Bank. No results.

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 2022-05-12 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 XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, 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 account with 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 2022-05-12 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 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 explanation
Consumer complaint received 2022-05-12 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: NC

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: NC

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2020

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 2022-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had gotten behind on my account for almost 6 months, and capital one sent me out emails and letters that said " XXXX XXXX XXXX XXXX, Were required to close and charge off this account in less than 30 days if no payment is made. But its not too late to work something out before your payment due date on XX/XX/2022. Our online payment plan tool may let you decide how much to pay so you can get started on your terms. they said I could pay Pay $ XXXX for 3 months Or {$610.00}. So I called in the day before and told a rep that I would be making a quick payment through XXXX XXXX and I would call back with the tracking number. The next day, Sunday, XX/XX/XXXX, I made the payment of {$610.00} thru XXXX XXXX at the XXXX grocery store. Then, I called capital one and no answer so I did a chat with a Capital One Rep name XXXX XXXX, I gave him the control number or tracking number and asked him to document it for me. I followed up the following days to find out that Capital one Lied. Even though, I made the payment they still cut the card off. In addition to that, I received my monthly bill today and a {$38.00} late fee is added to the account when clearly I made the payment on time with documentation to prove it. They gave me a false promise with the intention of cutting the card off all along.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-12 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: FL

Complaint narrative:
I pulled up my credit report and realize I was victim of identity theft and seen inquiries that I didn't authorize. Please see below Transunion is reporting an authorize inquiry : XXXX 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 2022-05-12 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: FL

Complaint narrative:
I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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 ATTACHED IS AN FTC REPORT WITH THE HARD INQUIRIES LISTED

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 2022-05-12 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX and XXXX XXXXXXXX  have violented 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 account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12 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: FL

Complaint narrative:
Contacted Experian about an account that is fraudulent. Experian stated verified, I requested documentation, contracts or any proof that this account belongs to me. Experian never sent any proof or documents that this account belongs to me. This is my last attempt to try to get this resolved before I file a lawsuit against Experian. According to the FCRA A credit report agency must show proof how an account was verified. Im requesting this account be removed immediately. 

Account : Account Date Opened XXXX XXXX  XXXX XX/XX/2016

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 2022-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a letter by mail from XXXX XXXX yesterday which was dated XX/XX/2022 stating that an application was received for a credit card account # XXXX, After careful review, the credit card account was unapproved, it was denied due to too many inquiries or applications for credit. I immediately called XXXX XXXX to report identity theft. 

On XX/XX/2022, I was checking my checking account where I noticed a small amount of {$0.00} was deposited and withdrawn by Capital One the following day. I also received a voice message from XXXX by phone from Capital One stating, that an application was open and that I had to contact them back regarding the open account. The voice message was inaudible and so quick that I had trouble deciphering which phone number to respond back to. 

On XX/XX/2022 my ex called me asking if I ever opened a credit card line with XXXX XXXX on XX/XX/2022 which, I replied I never opened one. I started calling XXXX XXXX, Capital One and XXXX credit fraud dept. to report that someone was using my identity to open up multiple credit card lines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX from the phone number XXXX XXXX XXXX I called to inquire regarding the multiple harassing calls Ive received from this company. 

First a woman by the name XXXX XXXX proceeded to ask for identifying information without the mini XXXX After clarifying on my own on the purpose I asked her for the statutory requirements to verify. She demanded a full social security number and would not accept my date of birth as sufficient I then called back on a different phone XXXX XXXX XXXX and a Male XXXX XXXX again demanded a full social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
Hello, I have been contacted Grain since XXXX to get access to my account but it has not allowed me to do it. It keeps saying up to 5 days and it has been almost a month. They continue to take money every month for my payment but I cant see my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
In XXXX of 2021, my dad, brother and I moved out of a rental property, managed by XXXX XXXX XXXX. Upon leaving, we received charges of over {$3000.00} and they kept our {$1700.00} security deposit, while billing us for the rest. While occupying the house, we had read how criminal this company treats its tenants so we knew to prepare for this. We cleaned, painted, had the carpets professionally cleaned, and did everything the lease asked us to do. While XXXX stressed that we were able to dispute the charges, they never responded to any of our SEVERAL email attempts or voice mails. This was similar to how they treated us during our lease; wed submit receipts for work done on the house and they didnt reimburse or credit anything. The water, sewer and trash utilities were all paid, and XXXX has not provided any statements or proof otherwise. These utilities were controlled by the companys concierge service so they should have access to our statements. As of XXXX, Genesis Credit Management has been contacting all 3 of us and weeks ago I talked to a gentleman named XXXX. He insisted that Genesis would be able to dispute the charges on our behalf and asked me to email him everything he needed, including receipts. I have reached out since that initial email and have also had no contact from Genesis at this point and as I said, its been weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: FL

Complaint narrative:
I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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  ATTCHED IS A FTC REPORT WITH ALL HARD INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: FL

Complaint narrative:
I have contacted transunion numerous times regarding these unauthorized inquiries on my credit report. according to FCRA this is a violation of section 1681b ( c ) which is a serious breach of my privacy rights! I have asked them to delete these unverifiable hard inquiries that are not attached to any accounts I have. They have failed to respond within 30 days according to section 611 with copies with any documentation bearing my signature. 

XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XX/XX/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 2022-05-12 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2022 XXXX charges were posted to my XXXX XXXX  XXXX XXXX  ( Barclay XXXX XXXX ) These charges were for : {$99.00} {$100.00} {$120.00} XXXX reported these charges to them immediately. They reversed these charges and said they will be doing an investigation to make sure these charges were fraudulent. After their investigation they reversed XXXX of the XXXX charges and told me the charge for {$120.00} was a valid charge. I called the merchant myself and confirmed with the merchant that ALL charges were fraud. They emailed me documentation showing all XXXX charges were refunded back to my XXXX XXXX  XXXX. I called Barclay XXXX XXXX and they asked me to fax over these documents. I faxed these to them on XX/XX/2022. They still refuse to reverse the charge for {$120.00}. I have called and emailed Barclay XXXX XXXX SEVERAL times and they kept saying they were still investigating and it would take XXXX billing cycles for it show a credit. I emailed them again today and now they are telling me the {$120.00} charge is valid and it will not be reversed! 

I want the charge for {$120.00} plus the interest accrued refunded to my account 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 monetary relief
Consumer complaint received 2022-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: HI

Complaint narrative:
Someone claiming to be from ASG has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten XXXX text messages saying they noticed that I visited their website ( ASGRecoveries.com ) and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12 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: NC

Complaint narrative:
The below accounts did not authorization to access my credit report, nor did they have permissible purpose to do so either. 

15 U.S.C 1681 section 602 A. states I have a 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. 

FTC Report Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-05-12 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: NY

Complaint narrative:
Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.

Company response to consumer: Closed with explanation