vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: WV

Complaint narrative:
Javitch Block LLC unlawfully filed a lawsuit in circuit court beyond the timeframe allowed by the WV statute of limitations.

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 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I, the consumer, applied in good faith for a personal auto loan on XX/XX/XXXX for the amount of {$84000.00} for vehicle vin # XXXX. NAVY FEDERAL CREDIT UNION denied my application, stating denial based off information on my consumer reports and my credit score. I informed NAVY FEDERAL CREDIT UNION several times that there is no federal law stating that they can deny me an extension of my own credit. And in denying me, they would be causing adverse action against my natural and legal person. I informed NAVY FEDERAL CREDIT UNION that they are denying me my credit rights, secured by the Constitution and federal and public laws. 
15 U.S.C 1611 states they can not give me false and inaccurate information. 


I explained to NAVY FEDERAL CREDIT UNION why income, consumer reports, and scores do not matter : 18 U.S.C 8. ... '' All debts are the obligation of United States Inc ... '' Emergency Banking Act of 1933. 
Social Security Act of 1935.

The United States Constitution : Article 1 Sec 8 clause 1. " ... to pay the Debts and provide for the common Defense and general Welfare of the United States ... '' Article 1 Sec 10 clause 1.

House Resolution 192 Public Law 73-10. 

There is no currency, consumer can not pay debt with debt. 

That's why with every account statement there is a payment coupon to discharge debt per U.C.C 3-306 ( b ).

I entered into a beneficiary role with NAVY FEDERAL CREDIT UNION and I find them in default. NAVY FEDERAL CREDIT UNION did not act in my natural or legal persons best interests during my consumer credit transaction/ request for purchase money loan| financed sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following names are on my TransUnion report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX, XXXX XXXX or XXXX XXXX. Under the XXXX.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I purchased a car in XX/XX/XXXX with financing arranged by the auto dealer with America First Credit Union ( " AFCU '' ). I also insured the vehicle with XXXX XXXX and provided the proof of insurance to the dealer and AFCU. On XX/XX/XXXX AFCU added {$6200.00} to my account balance for collateral insurance coverage, despite full insurance coverage being in force with XXXX XXXX. They failed to provide any notice to me regarding the purchase of the insurance and the addition of the premium to my loan balance. The collateral insurance charge is nearly 8 times the cost of my insurance with XXXX XXXX and represents more than 15 % of the cost of the car. I learned of this a year after it occurred after chasing down AFCU to provide me on line access credentials so I could look at my account. Since then in multiple attempts to amicably resolve this I have spent hours on hold with AFCU agents, have twice been told that supervisors will call me back ( they didn't ), been sent to an AFCU office that turned out to be unstaffed, and have tried to resolve it through serial email communications. Their efforts collectively represent a tireless pattern of obfuscation and misdirection to reap a windfall on an invalid insurance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following names are on my XXXX report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX, XXXX XXXX or XXXX XXXX. Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The following names are on my XXXX report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-31 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/XXXX I went to surrender my deceased husband death XXXX I have been given the run around without any resolution I have sent all request the bank ask for since XX/XX/2023 mileage on truck description of truck surviving spouse surrender of truck seats certificate of husband letters sent to Executive ofc. Nothing. In New York state you can not surrender plates until ins has been terminated. I have kept and paid monthly ins. Submitted proof by email to the executive branch no response until today I was told that I would not be reimburse fo ins. Payments My name is not on the loan just trying to do the right thing in protecting Key Cotp investment almost 6 months of trying to get them to pick up the truck. KeyCorp has created undue hardship having to make monthly insurance payments and has really caused unnecessary stress on especially after my husband 's untimely death. I have all documentation sent to the contact person at keycorp and no resolution Please help me Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have unauthorized charges on my Wells Fargo checking account and debit card. It keeps happening. I have had at least 9 ATM cards replaced this year.

I suspended my online account due to someone changing my information 8 months ago, and I was just informed XXXXw ells Fargo someone set it up and us using it again. 
Wells Fargo continues to send emails to an old account that is not secure, and I've sent I side the brand for this reason. 
Someone cashed one of my money orders, I purchased from my account on XX/XX/22 and I still have yet to receive a solution or my money back

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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a " package '' from XXXX, meal service delivery company, 60 days of meals ( 3 meals/2 snacks/day ) to be ordered at my convenience. A charge of {$1500.00} was made to my Amex card, I never ordered and did not receive any meals. In XXXX of XXXX, 21 unauthorized {$1500.00} charges totaling {$31000.00}. 00 were fraudulently charged to my account. 
XXXXXXXX XXXX owner, XXXX XXXX, through phone calls/text messages/emails, assured me full refund. However, he lied about refunding the money, stating he was sending certified check, a driver delivering check, XXXX refunding and more. Delaying, blatantly lying and scamming. 
I contacted AmEx. AmEx mismanaged claim, no resolution over a year ( total of {$6700.00} interest has accrued to date ). 
XXXX has history of engaging in similar fraudulent activities with others, including patients. 

I implored the XXXX XXXX XXXX to both demand American Express conduct a thorough investigation and facilitate a prompt resolution of my claims. Attachments : transaction receipts, communication records with XXXX XXXX 1. that these charges were unauthorized 2. that I did not use this service, and 3XXXX his admittance that the money should be refunded. 
4. Detailed communication with Amex substantiating that XXXX was a bad actor, committing fraud and they did not act in a timely manner. 
I am making a claim both against XXXX XXXX XXXX, owner of XXXX and American Express for the mismanagement, not abiding by the contract to cover fraudulent payments and not removing charges and interest promptly. 
While I have a platinum card and a longstanding Amex cardholder, who pays in full monthly for over 20 plus years. Amex has not been helpful, and, in fact, I believe they have been negligent allowing so much time that the company folded in spite of the numerous efforts and documentation we provided them and despite the fact that there are several other substantial claims against this company and owner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
In accordance under the fair credit reporting act this creditor has violated my rights. Under 15 U.S. Code 1666b a creditor 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.

I am not a credit repair company, and Im filing this complaint on behalf of myself and no one else, or any company has provided me with any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: DC

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. 


Account Name : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-07-31 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: DC

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. 


Account Name : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I opened a credit card with XXXX  XXXX XXXX on XX/XX/2023 to do a balance transfer in the amount of {$4800.00} to pay off an XXXX XXXX card with USAA to avoid interest. When I noticed that the balance on the USAA XXXX XXXX card had not changed by XXXX I called USAA and they started the first investigation on XX/XX/2023. 

On XX/XX/2023 USAA requested documents about the balance transfer. So I uploaded all the information that was sent to me when I completed the balance transfer that showed the reference ID and the amount of the transfer. 

XX/XX/2023 USAA closed the first investigation, stating that the charges were still valid and there was no evidence of a balance transfer. 

I repeated the same process on XX/XX/2023 and the investigation again ended on XX/XX/2023 with the same result. 

After the 2nd failed attempt. I called XXXX  XXXX XXXX who was the bank sending the balance transfer and discovered that the balance transfer was sent and was accepted by USAA but the last 3 numbers of the account were wrong. XXXX  XXXX XXXX stated they would start a correction and I started another investigation through USAA with the new information and the account number that the money was " sent to ''. This was now XX/XX/2023. 

Today XX/XX/2023 I noticed that the credit applied to my USAA account had been reversed and called both USAA and XXXX  XXXX XXXX. 

USAA terminated the investigation on XX/XX/XXXX with the same result of the amount was valid and there was no evidence. 

XXXX  XXXX XXXX canceled the correction because it was over 60 days and the money was " accepted '' for the balance transfer. They now opened a fraud investigation case. 

I'm now stuck with a credit card from USAA that was supposed to be paid off and I'm gaining interest and making payments on and a credit card from XXXX  XXXX XXXX that isn't gaining interest due to the promotional no interest, but I'm still forced to make payments on a credit card for a {$4800.00} valance transfer that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CT

Complaint narrative:
My credit report shows a student loan from US Dept. of Education dated XXXX. I was in high school in XXXX. It says it's for XXXX XXXX. I never attended XXXX XXXX -- it was a male-only school and I am a female. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Those loans were paid back. I did not start college until XX/XX/XXXX, and I went to XXXX XXXX in XXXX, MI. Again, I repeat, I was in HIGH SCHOOL in XXXX. NOT IN COLLEGE. Not at 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 2023-07-31 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief