vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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: AL

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. 

US Dept of ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
XXXX of 2022 I purchased this vehicle from US Auto Sales of Fayetteville NC for the amount of {$21000.00}, with a monthly payment of {$500.00}. When signing this contract I agree to pay additional fees to have a GAP insurance added to the vehicle. However even though I have been paying for it for over a year, XXXX has come out and stated US Auto Sales never paid towards the premium and that the insurance was never even able to be used. This is a breach of contract. Also a total of 5 times throughout the year of owning this vehicle it was turned off by a pastime device and made it where I was unable to crank my car and would be on hold with them for hours to get it turned back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
They took 60 days and did nothing and never contacted us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service
State: MO

Complaint narrative:
I received an email notification on XXXX XXXX suspending my account and falsely threatended to contact commanding officer to pressure to pay debt. This a unfair and deceptive act that violates federal consumer financial laws.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit profile was inaccurately accessed today to fraudulently obtain credit.

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 2023-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Braviant Holdings, LLC
State: UT

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from cXXXX XXXX XXXX XXXX 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Last year the car dealership repossessed my vehicle and I wasnt even late on my payment.. I always paid bi weekly on time. I was on XXXX at the time through my job due to a XXXX so after several months I let them no I will not be paying biweekly anymore I will be paying monthly. I made a full payment XX/XX/2023 with no late fee or anything I was in good standing. I informed the dealership I will be paying the full monthly amount in 30 days due to my income and they agreed to the changes. Two days before the payment was due I went outside to head to a doctors appointment and the car was gone. I couldnt believe my eyes. I cried all day because I couldnt understand how and why they would come repo my car and I wasnt even late. I called the dealership and they wanted to change me XXXX dollars for the tow. Another car payment and all these extra fees. I told them I couldnt afford that and I ask why would they take my care after we had an agreement on the due date. They left me with nothing except a tag to my car which was a XXXX. I was so relieved to see that other people had the same problem and it wasnt just me. Not happy to see other people going through this but knowing that I wasnt crazy nor in the wrong. Ive been through two XXXX XXXX since and mentally Ive been struggling after almost 6 months of car payments that was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: AL

Complaint narrative:
Ive mailed numerous letters to the this credit bureau & submitted complaints they claim they verified with the furnisher but after speaking to a representative she stated that they use a system called e Oscar witch is a computer thats not a furnisher so how can this be legal? FCRA states everything must be accurate and a proper investigation must be done. XXXX XXXX XXXX should not be reporting 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my transunion consumer report. Theres a collection from a company called XXXX XXXX. Amount is {$110.00} the original collector is XXXX XXXX XXXX. Even though this debit is not legally mines. They credited this collection to a account. Which frontline no longer have this debt. Please remove immediately.

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 2023-08-12 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: SC

Complaint narrative:
On XX/XX/2023 I received an alert from Experian that states a dispute was in progress. I have not initiated or asked them to start a dispute. I gave clear and explicit direction in accordance with the facts that I am the consumer and I have the right to ensure my private information isn't shared. Any account information that is shared in my consumer data file IS NONPUBLIC INFORMATION and is backed by 15 USC 6801 which states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers. To do anything else other than deleting the account as requested is a willful violation of the aforementioned laws. Again I am removing any and all consent known, not known and implied. Delete the 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 explanation
Consumer complaint received 2023-08-12 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
The CFO was sent a cease and desist letter dated XXXX XX/XX/2023 from sending any paper statement because the original loan was settled through the IRS. The bank instead resorted to numerous phone calls and notice letters of allege debt. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.

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 2023-08-12 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: NY

Complaint narrative:
After discovering being a victim of fraud I began to fix my credit this year aroun XXXX. I began with all three reports via XXXX shortly after noticing so many incorrections, I began to send out letter to all three bureaus. Although some removals were made there are still inaccuracies being reported therefore not allowing me to attain credit necessary both personally and professionally.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC
State: GA

Complaint narrative:
This company took money for services not rendered, there was never any work done by them at all. They promised on their website, conference call and numerous advertisement that they will dispute negative information after the fee was paid and nothing was done. I am seeking monetary damages, a complete refund of monies paid and a formal apology from the company. CFPB I urge you to fully investigate this matter. 

I am also in the process of contacting the office of XXXX XXXX Director of the Consumer Financial Protection Bureau For accuracy the company info is below Contact Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Visit Website ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: AL

Complaint narrative:
Ive mailed numerous letters to the this credit bureau & submitted complaints they claim they verified with the furnisher but after speaking to a representative she stated that they use a system called e Oscar witch is a computer thats not a furnisher so how can this be legal? FCRA states everything must be accurate and a proper investigation must be done. XXXX XXXX XXXX should not be reporting 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 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 non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax verified the debt with XXXX XXXX Acct # XXXX as accurate and correct. On XX/XX/23 I re-opened the dispute requesting proof of validation per law 15USC 1681 iii. XX/XX/23 they responded dispute complete # XXXX but did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a loyal Chase customer for many years. I was at work yesterday when I got a call from the Chase XXXX  number. I answered and was told I had fraudulent activity on my card. I saw that there were several unusual charges. Then I was told that someone I didn't know was initiating a wire transfer and to counteract it I had to send the same amount back to myself. The instructions were confusing but I thought that it was my bank. Turns out it was a scam and I wired someone {$9100.00}. I called Chase many times and they refused to reverse the transfer even though it had JUST happened. I am furious that there were not better protections in place. Now I am not very hopeful that I will get my money back. Of note, I filed a police report at my local precinct. I was told that that has happened with 6 other Chase customers in the past 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Financial is committing securities fraud and will not credit my account. I was sent a payment coupon/security by Capital One, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and Capital One Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. Capital One Financial is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. Capital One Financial remains to report fraudulent information to XXXX and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of Capital One Financial involved in the extension of credit, did Capital One Financial lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did Capital One Financial follow generally accepted accounting principles, GAAP? Yes or No? Capital One Financial is making false statements and damaging my credit worthiness for no reason. I demand Capital One provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
When my loans were moved ( as if I and my family 's ambitions make us into cattle transferred from one slaughterhouse to to another ) from XXXX to Maximus in XX/XX/2023, I received confusing emails from XXXX that I couldn't confirm as spam or not. I finally investigated the Aidvantage website and immediately found non-functional webpages, which made me more uncertain. 

I finally decided Aidvantage had probably acquired our debt legitimately and that I had the correct website. I set up my login and immediately found out that Aidvantage does not use two-factor authentication. This makes my payments and my loans insecure, and as the attached correspondence from XXXX XXXX indicates does not seem to be a priority fix at all. 

I hope the management of the CFPB understands just how much of a painful burden my family 's ambitions to pursue publicly valuable knowledge has placed on us. CEO XXXX XXXX XXXX has an astounding net worth of {$35.00} XXXX dollars. He is like a vampire, and the fact that he and his executive team are unwilling to even create a reliable infrastructure for us to transfer our hard-earned income to his wallet must be addressed by my federal government. 

I also contacted my congressional representative and their staff refused to get involved because Aidvantage is a " private relationship. '' This is a public loan, a federal loan. Has it really been totally privatized so that this vampire is unaccountable to us as American citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is committing securities fraud and will not credit my account. I was sent a payment coupon/security by XXXX  XXXX, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and XXXX  XXXX Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. XXXX XXXX XXXX is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. XXXX XXXX XXXX remains to report fraudulent information to Experian and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of XXXX XXXX XXXX involved in the extension of credit, did XXXX XXXX XXXX lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did XXXX XXXX XXXX follow generally accepted accounting principles, XXXX? Yes or No? XXXX XXXX XXXX is making false statements and damaging my credit worthiness for no reason. I demand XXXX XXXX provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.

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