vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Adonis Auto Group, LLC
State: MS

Complaint narrative:
Under the guidelines of consumer law, when a manufacturer or dealer fails to repair a product within a reasonable amount of time, the consumer is entitled to either a full refund or a replacement vehicle. It is the responsibility of the manufacturer or dealer to provide satisfactory repair work and make things right for the consumer. In this particular instance, as a result of the amount of time that transpired and the failure to resolve the issue, I consider the XXXX XXXX XXXX XXXX to be a defective product. 

XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX XXXXXXXX. 3 days later it shuts down on the highway leaving me stranding in the middle of the night. 
A few days later Adonis had the vehicle towed to a XXXX dealership and after about 2 weeks, Adonis decided the XXXX dealership would cost them too much money to replace a better and alternator and had the vehicle towed from XXXX Louisiana to XXXX Texas. From there it took an additional 6 weeks before the vehicle was in my possession and working properly. Upon receiving the vehicle, it was entirely cleaned out of all my personal belongings, and even my warranty and contract paperwork with Adonis is missing. 
XX/XX/XXXX the air suspension on the vehicle malfunctioned and Adonis had a wait time of 2 weeks to set an appointment for them to only diagnose the issue. 
XX/XX/XXXX I am in Mississippi and the vehicle completely shuts down and all electronics are malfunctioning. Adonis had the vehicle towed to the XXXX dealership in XXXX Mississippi for the to repair it because it would be too much to transport it to their service center in XXXX XXXX Texas. 
XX/XX/XXXX Adonis had the vehicle transported to their service center to complete their own diagnosis because the XXXX dealership in XXXX Mississippi stated the problem is a gps tracking the device installed on the vehicle by Adonis that has malfunctioned. 
Adonis has not tested that issue and has replaced a computer module in the vehicle and it did not resolve the issue. 
The service manager has stated if the vehicle is not able to be fixed by XX/XX/XXXX then I may be offered a mechanical trade out if the account managers approve. 
The vehicle is a XXXXXXXX XXXX XXXX XXXXXXXX XXXX  with XXXX miles. Their inventory has newer year model cars but nothing equal to the size and options available on the XXXX. 
The service manager also does not have information on how the mechanical trade out works so I am not aware if they will give me a random vehicle or let me choose.

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 2023-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I have a loan with PENFED Credit union for a vehicle that was stolen. I pay the loan each month but PENFED has reported fines on my credit for no longer keeping FULL COVERAGE insurance on a stolen vehicle I do not have. They call me twice daily, email me, and mail me. I do not owe them anything but the loan which is never late as it is automatically withdrawn from my 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 monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted my dispute on XX/XX/2023, and the credit bureau have not responded 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXX Bank Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please delete this account from my credit report as it is fraudulent and does not belong to me. It does not appear on my XXXX or my XXXX and is only appearing on Equifax. I have included the identity theft report a well. 

Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXXt '', Ally Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
The original debt is from XXXX XXXX XXXX in the amount of {$3800.00} the account went into default and transferred to debt collections company ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX. 

XXXX XXXX reported the collections account from XX/XX/XXXX, XXXX XX/XX/XXXX. They received no contact or payment from me during that time. 
The collections then fell off of my report as of XX/XX/XXXX. 

Apparently the debt was sold sometime around XX/XX/XXXX to : DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, They have not received any payment or contact from me. 

The company : DEBT RECOVERY SOLUTIONS has now began harassing me and trying to collect this old debt. They have reported to both XXXX and XXXX that the collections account is a new account and origination date was XX/XX/XXXX. This information is incorrect and they are still trying to collect a debt that has reached its statue of limitations for California and are re-aging my account. I have reached out to XXXX and have not yet to have the account updated with correct information or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2023-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX called Chase bank about a credit card I ordered and never recieved They explained an outstanding balance of {$280.00}, the I verified I did not make. They also informed me of a second credit card card of {$10000.00} that i verified I never opened. I spoke with the faud department to get it resolved. One XX/XX/2023 I received a call from the debt collector about these balances. They again referred me to the faud department. When notified of identify threat I also froze my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a Wells Fargo account for year that I had to closed in XXXX  because I was getting charged fees for no reason. All kind of fees overdraft fees consistently.

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 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Yes on XXXX the XXXX I called the phone number of pnc bank. Too check all withdraws on my debit card. I called XXXX too double check too make sure I have enough too make a XXXX withdrawal. The automatic voice said I have XXXX left after all transactions too make the XXXX withdrawal. So I did. Than a day later said I'm overdrawn by XXXX Dollars. I called pnc bank about the problem. They told me I don't have overdraft protection. She told me the atm should have rejected me on transaction. I told her I'm very upset. Been a long time member. This never happened too me before. If they check the record on all transactions. They will see I made withdrawal after all transactions too. The lady sent my information too escalation dept the lady from escalation dept did call me also. Left voicemail. I did return her call. XXXX on her. I feel since there was a error. I should get credit of XXXX also was not my fault. Atm should have rejected me also. I'm.on XXXX living paycheck too paycheck. Going thru hardship. Did not need this problems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX, XXXX and Experian. Only Experian is showing XXXX XXXX XXXX on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX 
Status updated XX/XX/XXXX Balance - Balance updated - 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; 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 explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Leased a car from American Car Center, that processed the sales person lied about the purchase and never told me I was leasing. Company closed and sent to XXXX, and XXXX will not honor warranty and car is not working.

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