vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
During the pandemic, Heights Finance a non essential business decided to use lawfare to collect money from borrowers by using a tactic known as lawfare. The tactic, was used by Heights Finance during the pandemic, knowing that the economy was in such bad shape, the business decided to sue consumers to collect their money, knowing if they used courts friendly to them to punish borrowers who had a hard time paying their bills due to the pandemic and the downturn to the economy as a result of the pandemic, Heights Finance, knowing the courts would rule in their favor, and borrowers would not be able to hire attorneys in Illinois and other states to protect themselves from the lawfare onslaught would have an unfair advantage in courts. The firm hired a debt collection lawyer known as XXXX XXXX XXXX to carry out such lawfare tactics. 
I was never served a notice on the debt during the pandemic as XXXX XXXX issued orders for non essential businesses to close during the pandemic. I believe this order may have been violated by Heights Finance. 
After the CFPB sued Heights Finance, Heights now retaliated against me by suing me again for wage garnishment which I am actively fighting due to circumstances beyond my control. Once I get back on my feet I'll resume payments made as per the judgement wrongfully secured against me during this pandemic. 
In my personal circumstances, I am seeking how I can go on leave of absence which is unpaid leave as I may have to be a caregiver to XXXX XXXX my partner as she was seriously injured in an automobile accident on Friday XX/XX/XXXX and suffered massive internal injuries requiring XXXX  XXXX, and she remains at XXXX XXXX in XXXX XXXX and is staying there for the time being. During the pandemic I had to be her caregiver and take leave from work when she had her XXXX XXXX twice back in XXXX, and again in XXXX or XXXX as the first XXXX XXXX was defective.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They call me XXXX XXXX XXXX  this is not my name they keep asking me on a recorded line to say I'm XXXX XXXX. Then they've asked me to pay back over XXXX to a student federal loan

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They call me XXXX XXXX XXXX  this is not my name they keep asking me on a recorded line to say I'm XXXX XXXX. Then they've asked me to pay back over XXXX to a student federal loan

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 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I ask for a arbitrator they did not give me one in a week like they said they would, they were only introduced to collect XXXX they repossessed by just sending a tow vehicle and thy took it and left called the police station automatically her responce was was it repossessed, well aware of but no not me I want them charged too. you dont take some one 's tool off them like that and treat someone like a child. I want my truck back and i want damages paid for now!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-04-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: MD

Complaint narrative:
BMG Money is reporting my balance as {$3000.00} and status as 90 days late on my XXXX credit report. I filed XXXX XXXX on XX/XX/23 so the credit report should show {$0.00} balance and status should be Included in XXXX XXXX  They are reporting accurate information on XXXX, and XXXX I used XXXX dispute process on 3 occasions but no change was made I sent email and postal mail to BMG money and they have not updated credit report or responded to me in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In 2021 I lost my job and had to take utilize my 401k to survive. Although I knew my money was limited my I was still making the minimum payment on all of my credit cards. Out of no where my credit card was closed. Which of course impacted my score. I couldnt make the full balance due but I still paid the minimum.

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 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I purchased {$30000.00} worth of XXXX. Coinbase said it would be 7 days until I could send or withdraw those funds. A few days later they send me an email saying they extended the hold time until XX/XX/XXXX. Which is unacceptable. I cant even send the money back to my back account. The XXXX was for an investment with a company that mines XXXX and with {$30000.00} I was going to get a powerful miner. But now I am missing out on over a month and a half of passive income. I have called customer support and they simply say theres nothing they can do, which I dont believe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Vehicle lease with Ally Bank ended on XX/XX/XXXX. I wanted to finance the buy out of {$41000.00} through my bank. Ally refused to accept a third party check for the buy out. Ally stated it must be my funds with my name on the check or I must use them ( Ally ) to finance the vehicle buy out. After I finance through them for the buy out, I could then refinance through my own bank. Allys interest rate is 10 % and my bank is 7.2 %. Ally is forcing consumers to buy out through them or to use your own personal funds to buy out. If I were to finance through Ally then refi through my own bank for the lower interest rate, this creates more fees and two credit report inquiries. I ended up using my own savings for the XXXX buy out and once I receive title, I will finance the vehicle through my own bank to pay back my savings account. Ally is creating an obstacle for consumers forcing their financing at a higher interest rate to pay off a leased vehicle. I am now sitting at 23 days and still waiting for my title and they claim they are backed up and will send it when they get to my file.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Inaccurate Reporting and Lack of Notification Regarding Debt I am disputing the inaccurate amount reported by the collection agency, which does not align with the actual companys records. Additionally, I was not properly notified of this debt until XX/XX/XXXXXXXX, despite the service being rendered in XX/XX/XXXX. I request validation of this debt. ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), which states : " A consumer reporting agency shall, upon request, provide an itemized statement of the nature and amount of the charges for the requested disclosures under this section. ''

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 2024-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I mail a debt Validation letter and I have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Inaccurate Reporting and Lack of Notification Regarding Debt I am disputing the inaccurate amount reported by the collection agency, which does not align with the actual companys records. Additionally, I was not properly notified of this debt until XX/XX/XXXX, despite the service being rendered in XX/XX/XXXX. I request validation of this debt. ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), which states : " A consumer reporting agency shall, upon request, provide an itemized statement of the nature and amount of the charges for the requested disclosures under this section. ''

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
An account with XXXX  was opened using my information years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. This account is fraud and transunion is in violation YET AGAIN 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST XXXX CARD AND TRANSUNION. REMOVE THE ACCOUNT TODAY.

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 2024-04-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from XXXX XXXX XXXX attempting to collect the above-listed alleged debt. XXXX XXXX XXXX initial communication to me in attempt to collect the alleged debt was within 30 days ago. XXXX : XXXX : XXXXTransunion : XXXX Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I requested verification of the alleged debt, specifically, a copy of a contract or agreement which was never provided as requested.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from XXXX XXXX XXXX attempting to collect the above-listed alleged debt. XXXX XXXX XXXX initial communication to me in attempt to collect the alleged debt was within 30 days ago. Equifax : XXXXXXXX XXXX XXXXXXXX : XXXX  Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I requested verification of the alleged debt, specifically, a copy of a contract or agreement which was never provided as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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 filed a FTC complaint due to unauthorized inquiries showing on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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:
Requested an investigation with a dispute I sent on XXXX/XXXX/2024. I wrote to transunion to have some inquiries investigated an removed.They are not mine. I already contacted the company and they said I needed to get in touch with the credit bureau. Im stressed because I did not give that company permission to run my credit. The inquiries were not authorized and Transunion never responded.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
As stated in my other complaint, around {$50000.00} were unauthorized transfer and withdrawn from my Chase accounts including four accounts opened in XXXX or before and four new accounts opened on XX/XX/XXXX but hacked on XX/XX/XXXX. Because I was on a sick leave, I was able to discover the frauds quickly and reported to Chase Livingston branch immediately. For example, the first four frauds occurred on XX/XX/XXXX around noon and I saw them and reported to Chase Livingston around XXXX ; the second set of four frauds occurred on XX/XX/XXXX around XXXX and I discovered and reported right away. On that day, it show the Chase Livingston was able to return three of the four withdrawals on XX/XX/XXXX ( but on XX/XX/XXXX Chase posted the withdrawals ). Before a comprehensive investigation, Chase sent me multiple letters accusing me the item ( s ) being disputed were authorized or you received benefit from the item ( s ).

Chase credited {$9000.00} ( withdrawn on XX/XX/XXXX in my old saving account ) to my new saving account and sent me a letter on XX/XX/XXXX. In the letter, Chase stated If you havent already, we recommend closing this account. However, I was refused to close the account by the Chase Livingston manager. I was accused that I did not understand the letter correctly. 

As a XXXX XXXX holder and having been very carefully securing all my IDs, credit/debit cards and checks, I believe the above statements made by Chase and the Chase manager are solely based on my minority racial identity and female gender. I request Chase to investigate if Chase discriminate its costumers based on racial and gender identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, 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 XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 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 XX/XX/XXXX, XXXX XXXX XXXX  # XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for the XXXX XXXXXXXX XXXX XXXX accounXXXX XXXX XXXXn XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation