vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: IL

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has reported a charged off account on my consumer report that I did not give written or authorized permission for them to report. This is illegal under 15 USC 1681 b as written consent is required to post any and all transactions to my consumer report. I'm requesting this account be removed immediately as I do not consent to the reporting of this account and continuing to do so will be construed as fraud under 12 CFR 1022.3 as this is improper use of my consumer report.

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 2024-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On Thursday, XX/XX/2023, my wife and I went to XXXX XXXX XXXX in XXXXXXXX XXXX based on advertising we had seen on TV and online advertising that there was XXXX percent interest on XXXX vehicles for well qualified customers. This information was available at XXXX XXXX XXXX 

We spoke to a salesperson when we arrived. He told us that there was only 8 % to 10 % financing available. He said that he had never heard of any other financing and that XXXX percent and lower rates were not available. Since he was not aware of what was advertised, we asked him to find out from the finance manager for the dealership what was available. He came back and said that limited special financing was only available on the XXXX and some type of hybrid vehicle. We said that this was not correct and did not match their advertising. He then said that lower financing rates were available on certain vehicles, but that it was only available on 2023 models and that they did not have any on the lot. We pointed out that the one vehicle he had shown us that we were interested in, which was a XXXX XXXX, was a XXXX XXXX We then decided to leave the dealership and call national XXXX since we were getting nowhere at the dealership. It seemed to us like a typical bait and switch type advertising scam. 

We called XXXX XXXX at XXXX. The person that took this call advised that there was XXXX percent available for well qualified customers and that someone from national XXXX would be calling us back since this matter had been escalated. We were told that they would call us back within XXXX hours. We asked not to be called back by the dealership since they had already not been honest with us. 

We never received a call back from national XXXX, and still have not. However, at the XXXX mark we did receive a call back from the dealership that we had asked not to be contacted by. The caller was XXXX XXXX, who said that he was one of the owners of the dealership. He said that XXXX XXXX had shared all of our information to him and asked him to handle this at the dealership level even though we had specifically asked for this not to happen. He said that the salesperson had only been with them for a month. They had obviously not had enough training as they knew nothing about inventory or financing. Evan stated that there was no XXXX percent available anywhere in the southeast region on any XXXX vehicle. We got nowhere talking to this person and never got the call bacj from national XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My ex boyfriend is using my SSN to try to take out money loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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:
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 2023-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
One Main Financial didn't give me a proper arbitrary case before the repossession which was agreed on in the terms and conditions once I looked back at the arbitrary agreements they didn't give me the right due course for this matter at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TN

Complaint narrative:
My student loans have been in repayment for more than 20 years which should qualify for immediate forgiveness according to the one-time adjustment to fix IDR loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
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 2023-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My name is XXXX XXXX, and I had my identity stolen in XXXX. I contacted all major credit unions and informed them, along with police reports. Today, XX/XX/XXXX, I looked at my credit reports, and upon my looking, there were an ungodly amount of hard inquiries on all three major credit unions. I would like for them to be removed. I tried contacting them myself one by one, but there was no solution. I believe that, due to their indilgence, I would like them all removed. Thank you. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: IL

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has reported a charged off account on my consumer report that I did not give written or authorized permission for them to report. This is illegal under 15 USC 1681 b as written consent is required to post any and all transactions to my consumer report. I'm requesting this account be removed immediately as I do not consent to the reporting of this account and continuing to do so will be construed as fraud under 12 CFR 1022.3 as this is improper use of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: IL

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has reported a charged off account on my consumer report that I did not give written or authorized permission for them to report. This is illegal under 15 USC 1681 b as written consent is required to post any and all transactions to my consumer report. I'm requesting this account be removed immediately as I do not consent to the reporting of this account and continuing to do so will be construed as fraud under 12 CFR 1022.3 as this is improper use of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: IL

Complaint narrative:
I have been under the impression that the credit card company reported me delinquent in XXXX of 2023, but after reviewing all three reports, I have discovered that this is just an error on Equifax 's end. 

I have called several times and filed two disputes, but they will not fix this issue, and now I can not close my home. Now they just hang up on me and refuse to help and fix this issue even, though I do not know what to do, and I have to close in a few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: MD

Complaint narrative:
EXPERIAN IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. XXXX XXXX XXXX XXXX XXXXD AND XXXX CREDIT CARD. MY BALANCE FOR THE XXXX XXXX XXXX XXXX XXXX IS {$3.00}, THE BALANCE FOR MY XXXX XXXX XXXX  IS {$3.00}. EXPERIAN IS REPORTING THAT MY CARDS ARE OVER 66 % USAGE. THIS INFORMATION IS INCORRECT AND I AM UPLOADING DOCUMENTS AS PROOF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX  ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX  ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: DC

Complaint narrative:
I just received a new copy of my credit report for LexisNexis on the XXXX and I have found numerous inaccurate information such as phone numbers and home addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
My ex boyfriend is using my SSN to try to take out money loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: FL

Complaint narrative:
See all letters I have attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: PA

Complaint narrative:
My rights have been violated under 15 U.S CODE 1666b Timing of payments -A Creator may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Accounts with illegal late payments-XXXX XXXX XXXXXXXXXXXX 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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To XXXX XXXX Department, According to The XXXX XXXX it requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 
However, i was never explained to that my information would be shared with the Credit bureaus or Credit Reporting Agencies which is a violation of my rights. I demand to be opted out from any of my information accounts history, personal information etc from reporting to them. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
You have violated United States Code Law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You are required by federal law to verify, through the physical verification of the original signed consumer Promissory Note, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the XXXX of XXXX, I upgraded my cobranded Chase XXXX XXXX XXXX  ) credit card after receiving a promotional offer on the XXXX site. The offer stated that I would receive XXXX bonus points and {$250.00} off a future stay if I upgraded to the XXXX card. I accepted the offer and have since received the XXXX bonus points, but not the {$250.00} credit. I then contacted both XXXX and Chase, but neither company has been able to honor the terms of the upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited a cheque to my checking account. Then once money was dropped into the account, I started sending the money back to sending party via wire transfer. Later after couple of days, my account was overdrawn. The bank was saying it was a forgery check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a dispute to all XXXX major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. Equifax wrote back saying the acct was verified which is not what I had asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I am a customer of XXXXXXXX XXXX or XXXX Since my time with them, Ive experienced XXXX data breach. Currently, my husband and I are victims of identity theft which our credit, credit cards, etc have been compromised. We are currently, not able to call them, my escrow was compromised, ever time I phoned them, it is a came and we continue receive phony letter impersonating XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX  or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature.

3. In according with 15USC 1692 Validation of debt requires the RMS must give the original contract with copy of the debt with their company name on it.

4.1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and XXXX XXXX XXXX XXXX XXXX  ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the Department of Veterans Affairs. 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit XXXX )

Company response to consumer: Closed with explanation