vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : : XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX  XXXX XXXX shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

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 2024-12-13 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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXXXXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXXXXXX XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXXXXXX XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
This company calls all times of the day and night, from different numbers with threats of credit damages, or sometimes they will just hold the phone and not say anything, i have disputed this several times, and according to the Law they are not allowed to harass 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was pre approved and applied for a credit card. I am in the process of rebuilding credit and as a result I am super meticulous about making sure everything is paid and properly set up. 
This card I chose has very high fees, but was the highest credit limit offered based on my credit score, and I was willing to pay the exorbitant fees to build my credit ( I am a higher wage earner who has had some financial issues in the past ). $ XXXX a year to get a higher credit limit sounded predatory, but hey, {$1000.00} credit limit. I have had financial issues in the past but I now pay everything on time and carry very little debt and am pleased to have ZERO BALANCES on my credit cards. 

I was approved for the card and immediately set up online access so I could pay the initial program fee that is immediately added to the account balance at the time of opening. I was planning to have this card report as a zero balance from the beginning, as a way to increase my credit score. I added my bank details and submitted the {$250.00} payment request. Then a couple of days later, the {$250.00} was credited back on my credit card account, shown as a return payment. There has always been several XXXX dollars in that credit union account and there is no reason the payment should have been returned. I was unable to re-add that credit union account into my account, due to a returned payment. I then added a different bank account to pay the {$250.00} and the amount cleared my bank account on XX/XX/year>. I logged in this morning ( XX/XX/XXXX ) to review my finances and saw that this credit card was already reporting on my XXXX report as " closed at credit grantor 's request '' with a small balance from a couple of small purchases. 

I reached out to the company and after a series of conversations ended up speaking with an Account ManageXXXX named XXXX. I explained my situation and was informed that there was nothing that could be done. 

A refund of the program fee is certainly warranted in this situation, and that was to be expected. The central issue here is my credit rating, which is the entire reason I am doing business with this company in the first place. I now have an inquiry and a grantor closed account over a billing error. All I want is the opportunity to have this account open in good standing, or all signs of it completely deleted from my credit file. 
I understand this is most likely a computer generated response to a missed payment, not the end of the world. I'm asking for some consideration as a new customer, as this will cause damage to my credit rating, further exacerbating the situation that I have been working to improve. 
XXXX didn't offer me any further resolution, nor did he put me in touch with someone who can make this right. I ended the call due to XXXX not being able to discuss this any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have been with Bridgecrest since XXXX and I have finance a XXXX XXXX XXXX since having this car I have requested extensions through challenging experiences in my life in this past week I owed a balance of {$1900.00} in which I paid using my debit card to Bridgecrest on XX/XX/XXXX. They told me as long as I pay my past due balance I can change my frequency date from every two weeks to monthly now theyre telling me that Im unable to change my frequency date because it will push out my maturity date on my contract. Different representatives have told me multiple times Im able to change my frequency date and they are not allowing me to do so. I also understand that they are putting me in a position to get the car repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: TX

Complaint narrative:
They sold me a " lemon '' of a vehicle and would never help me to fix it so finally i had to turn it in. They cleaned it up, fixed the vehicle and resold the vehicle but never even changed the balance that was owed even though they can't charge off a vehicle for total amount and resell it. They need to deduct how much they sold it for from my balance at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit 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: CA

Complaint narrative:
My card was stolen, and charged XXXX $ it the XXXXXXXX XXXX, so i called my credit card company which is chase and reported the charge as fraud, after giving me the refund they charged my card again with the same a mount, i called them back they want me to go to XXXX XXXX and ask them for a video of when the transaction happened and call the authorities to investigate it. They want me to do their job basically. They refused to help me whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a robinhood account ive been locked out and can not reach an agent to withdraw my funds. Ive followed their process with no resolve now they have stopped me from withdrawing my money out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding what I believe to be a violation of my privacy rights under 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act, " GLBA '' ) and provisions of the Fair Credit Reporting Act ( " FCRA '' ). Specifically, this complaint is directed against Early Warning Services ( EWS ), as well as the financial institutions and credit reporting agencies ( CRAs ) that have shared my personal information with EWS without my consent.

Background and Nature of the Complaint Early Warning Services is a third-party entity that has collected and retained my personal and financial information without my consent. Attached to this complaint is a copy of my Early Warning Services Report, which lists the financial institutions and other entities that have shared my data. The sharing of this information was done without my express consent or in violation of federal privacy laws. 
Under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous notice of their privacy policies and practices and allow customers to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. I did not receive such notices or an opportunity to opt out, as evidenced by the data held by Early Warning Services. This constitutes a direct violation of my privacy rights.

Furthermore, under the Fair Credit Reporting Act, credit reporting agencies, including XXXX, XXXX, and XXXX, are obligated to ensure accuracy, confidentiality, and permissible use of consumer data. By sharing my information with EWS, these CRAs have failed to meet their privacy and confidentiality obligations under FCRA, putting them in violation of the same laws.

Legal Violations 1. Violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802-6805 ) : Financial institutions that shared my data with Early Warning Services failed to provide the legally required notices and opt-out opportunities.

2. Violation of the Fair Credit Reporting Act : The CRAs listed above have shared my private information with Early Warning Services without proper authorization or permissible purpose, thereby breaching their statutory obligations to maintain the privacy and confidentiality of consumer data.

Supporting Evidence Enclosed with this letter is a copy of my Early Warning Services Report, which provides evidence of the entities that have shared my information. This report demonstrates the unauthorized dissemination of my personal data, constituting a breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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 2024-12-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report due to their fraudulent nature. 
Accounts to be blocked and deleted : XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2200.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5100.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report due to their fraudulent nature. 
Accounts to be blocked and deleted : XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2200.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5100.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : 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 2024-12-13 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: World Omni Financial Corp.
State: FL

Complaint narrative:
In 2021, I lost my job due to the pandemic and faced significant financial hardship. Based on the provisions of the CARES Act, which allowed consumers to ask creditors for payment accommodations, I contacted a representative of SETOYOTA FIN DBA OF WOFC to request an extension to meet my payment obligations. However, despite this request and my compliance with the CARES Act, SETOYOTA FIN DBA OF WOFC reported the payment as late on my credit report.

It is important to note that under the CARES Act by covid-19, creditors are required to report accounts as " current '' if payment agreements have been reached between the consumer and the creditor, which was the case in my situation. Additionally, I have since paid the account in full and settled. 

Despite my repeated efforts to resolve this matter directly with SETOYOTA FIN DBA OF WOFC, they have refused to correct this negative report, which is currently damaging my credit score and limiting my ability to access credit, particularly for a mortgage loan.

I kindly request that the CFPB investigate this matter, as I believe SETOYOTA FIN DBA OF WOFC has failed to comply with the CARES ACT provisions and is unfairly damaging my credit history.

Company response to consumer: Closed with explanation