vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: LA

Complaint narrative:
Conns XXXX whom I have not purchased anything from. Keeps harrassing me. I have requested they stop calling me if they could not provide any legitimate information. And they have not stopped calling. It's been at least 4 months all day and night. The number is XXXX

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is what was sent to each credit bureau : Equifax, XXXX, & XXXX Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. 
According to the Gramm-Leach-and-Bliley, Also known as the Financial Services Modernization Act of 1999, Debt collectors are Financial Institutions. Why is this important? Let me explain. 
According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN XXXX XXXX XXXX To whom it may concern, Hello my information was breached and was sold and bought illegally because I was a victim of Equifax Data breach. I have reached out to Equifax many times and I have a copy of where they told me I was breached ( attached ). Equifax has done nothing to help me and I need your help in removing these fraudulent items please from my credit report. 



Please help me by removing these items XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Account XXXX Balance {$5000.00} XXXX XXXX Account XXXX Balance {$6900.00} XXXX Account XXXX Balance {$6300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$970.00} Thank you for your help on these items. Have a good day XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To date, Santander Consumer USA has not provided a response. See attached documents.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE CREDIT BUREAU REFUSE TO REMOVE THE ADDRESS ON CREDIT FILE THAT DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
I contacted them through email because they continue to send letters, emails and also put this on my credit. I have emailed asking several times to stop contacting me this is fraud. 
I have not given them any information. I do not open any account with them or allowed anyone else to transfer anything in my name. 

This is fraud! I do not have an relationships with this company.

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: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I got a loan for my truck with XXXX and they havent reported a payment since over a year ago. I also have late payments that are not true on my 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: 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:
My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # XXXX

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. 
I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
This account was first stated several years ago to be opened back in XXXX and this was removed from my Credit Reports due to Identity Theft and now XXXX years later has sold information to a collection agency and is saying the account was opened in XXXX. XXXX is using fraudulent tactics in order to collect from a debt that is not valid. This collection agency also has not reach out to me by phone, email or mail not XXXX single time and have reported this to all 3 Credit Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I have requested original loan documents I have never received

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 — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I have contacted several companies by phone and us mail with no response. In XXXX of 2023 and XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Transfinancial Companies, Inc
State: AZ

Complaint narrative:
I received communication from TRANSFINIANICIAL COMPANIES LLC regarding an asserted debt without being afforded the opportunity to dispute said alleged debt in accordance with federal law 15 USC 1692g. No statement providing 30 days for resolution was ever sent. Despite my request for debt validation, supported by green receipts as evidence of sending validation and cease and desist letters, TRANSFINIANICIAL COMPANIES LLC failed to provide validation. Despite being specifically asked for a contractual agreement between us, they neither produced any judgment against me nor validated the debt through a lawful binding contract. I explicitly instructed them to cease communication through all channels, yet they persist in tarnishing my consumer report, attempting to collect an alleged debt that remains unverified. As per the definition in 15 USC 1692a, 'Communication ' refers to the conveyance of debt-related information directly or indirectly to any individual through any medium. TRANSFINANCIAL COMPANIES LLC continues to convey information regarding an unvalidated debt, adversely affecting the creditworthiness, credit standing, credit capacity, character, and overall reputation reflected in my consumer report. 
They have additionally communicated through postal mail, asserting that I owe a debt, which constitutes a violation of 15 USC 1692b ( 2 ). The language used in the contents of the mail indicates that the debt collector is in the business of debt collection and that the communication pertains to the collection of a debt, thereby violating 15 USC 1692b ( 5 ). I have endured harassment and abuse through the tarnishing of my reputation and the use of obscene and profane language designed to inflict stress upon me, the reader. This conduct also breaches 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ).

According to 15 USC 1681 ( 2 ), Congress acknowledges that our consumer reports are synonymous with our reputation. 

They have communicated with me through an attorney in an attempt to collect a debt, which is another violation of 15 USC 1692e ( 3 ). 

I possess exhibits supporting all the violations outlined herein and am compelled to reach out to the Consumer Financial Protection Bureau ( CFPB ) with the earnest hope of expeditiously resolving this matter. I am fully prepared to pursue legal action should they fail to provide a remedy for the issues raised.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was a victim of the XXXX data breach. I want this item deleted from my credit report XXXX. I have communicated with Transunion and presented to them the supporting documents stating I was affected by the breach, and it has been deleted from XXXX XXXX because of this data breach. Transunion refuses to remove this 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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal credit Union has caused significant risk to the privacy of my highly sensitive personal and financial information and has caused harm to me emotionally, reputation, physical and economic damage to me didn't give authorization for them to share my credit card information or my inquiries nor do I want to have my information shared with any reporting agencies including all inquiries removed immediately I didn't give permissable purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is regarding a purchase that I've been trying to make for the past 2 days online using my Ashley XXXXXXXX XXXX XXXX I have been receiving an error message that my payment can not be processed and that I need to check my billing address and payment information. I have checked everything, and it all seems to be correct. I have even called Synchrony Bank and Ashley Furniture Mart. Synchrony bank informed me that everything I verified was correct, so the point of contact was Ashley customer service. I spoke with a representative today and they advised me to use XXXX chrome and that still did not fix the problem. This has been overwhelming, and I have yet to get this problem resolved. This is a birthday gift that I am trying to have to my niece this week and the unfortunate circumstance is slowing down the process. I will attach the error message I am receiving as well as the email that was sent to the customer service agent that helped me. He advised me that if it didn't work when I tried XXXX chrome that he would assist me, but he has yet to reply. I even sent an email to the suggested email when I received the error message to no avail. I am requesting that someone reach out to me via phone to correct this problem. There is no reason why I should not be able to use my card. The product item # is XXXX. Please see the attached documents.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Information was removed from Credit reports Experian, XXXX and XXXX due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the 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 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I entered into a security agreement with Flagship Credit Acceptance LLC. On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was illegal repossessed by Flagship Credit Acceptance LLC. They violated UCC 9-704 by enforcing an unperfected secuirty interest without filing a financing statement per La. Rev. Stat. 10:9-501 ( a ) which states that if local government governs the perfection of a security interest, a financing statement must be filed to perfect the security interest with the department of Motor Vehicles and UCC 9-310 which states that a financingstatementmust be file to perfect a security interest. As I have stated since XXXX of XXXX before the illegally repossession, Flagship never filed a financing statement and therefore had not perfected its interest, and their counsel even confirmed that they did not need to by quoting UCC 9-311, but as you can see Louisiana Statute clearly states that a financing statement must be filed for perfection. I filed for arbitration, as all claims are to go through arbitration, and stated I wanted my car back constantly and placed it appart my claim. When I informed Counsel XXXX of the Louisiana statute, he provided to me a document purchased from the department of Motor Vehicles showing me as the owner of my vehicle on XX/XX/XXXX. I informed him that we were both aware that you can obtained a certificate of title using the security agreement, but the perfection of it security interest can only be through a financing statement if the enforceability is to extend beyond the one-year which ended in XXXX. And then on XX/XX/XXXX, he stated that my vehicle was sold in auction, as I, once again, requested for its return as the burden of proof for the requirement of a financing statement had been statified. I informed him that this malicious intent was done against his oath of office as he has a duty to the law being upheld. But, through false statements and the consent to allow his client to make false statements they violated state and federal law. My vehicle was allegedly sold at auction without the proper right of possession. I requested the auctioneer information and the exact date of the sale and was told that he did not have it yet. And, yet he was aware of the sell. As a financial institution, Flagship have an obligation to follow state and federal laws of securities under Secured Transactions of the Uniform Commercial Code.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CarMax, Inc.
State: MD

Complaint narrative:
I applied for a loan with car max dealership. I gave them my social security number in order to be approved since I am the original creditor meaning they take my social they go into my trust and get whatever the amount is for the loan. Carmax is not using their own money to fund this loan, and they still denied my application on XXXX I recently sent them a letter via mail. In which they responded their is nothing they can do. So Im willing to give them another chance to resolve this situation as I am doing everything out of good faith.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This item was supposed have to been deleted before the 30 days. Before investigation was COMPLETED and the XXXX credit bureaus Transunion, XXXX and XXXX didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This item was supposed have to been deleted before the 30 days. Before investigation was COMPLETED and the THREE credit bureaus XXXX, XXXX and Experian didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have noticed an unexpected charge that I did not make it was a result of fraud someone used my card to book a hotel in XXXX. I reached out to the hotel and they told me someone with a different name than mines used my card and book it under their name. I told them that my card number was compromise. I reached out to cash app and explain to them What happened. I file a dispute with my card issuer company cash app on XX/XX/XXXX. Cash app have not gave me any updates. They are telling me that they can not provide me with any information. I have spoke to several different people including a supervisor. No one will give me any information on what is going on they have not refund me the money that was taken off my card.

Company response to consumer: Closed with explanation