vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
Ford motor credit and I had a lease agreement together. 

In XX/XX/XXXX  we entered into an agreement for a voluntarily early termination of the lease. At this time I owed {$4500.00}. 7 months remaining of my 3 year lease. At the time I agreed to voluntarily terminate my lease. I was not in danger of repossession. I was current with my payments. 

I called and spoke to Ford credit agents cause {$640.00} a month was very hard to come by during Covid. I asked to lower my payments. Prior this the many times I called I went to dealerships and my bank to attempt to refinance it before the lease was up but they said I owed too much. 

The discussion I had with Ford was they would accept my truck back under voluntary means and auction it. 

It was discussed the equity value of the truck would be more then enough to cover what I owed left. Ive never had a lease before and I trusted what they told me, Later after the auction when they eluded that would be all set called me stating I now owed almost {$14000.00}. I was in complete shock and there is no chance owing less then {$5000.00} I would then agree to volunteer to give up my truck to pay {$14000.00} and not even benefit of the enjoyment of it being my property. 

Ford took my truck and fooled me into them getting the truck back and then getting {$17000.00} from the auction and then also trying to get {$14000.00} more from me. 

Their deception is absolutely absurd. 

This is in the courts now. This type of business should most definitely not be allowed. 

This is a huge corporation who had the power to destroy my reputation, my credit and then sue me without any options to be reasonable whatsoever, Ive disputed everything with the credit bureaus, told the attorney general who agrees, the law protects consumers from this type of abuse of power, Ive contacted consumer protection and now the FTC. 

Please help They also removed my access from viewing the record online.

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

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I booked a flight on Southwest Airlines and they had a promotion- {$200.00} statement credit for new card accounts after spending {$500.00} in the first 3 months. I was a new card applicant, I spent {$1000.00} on eligible purchases in the first month, but received no statement credit. When I called Chase the credit partner for the Southwest Rapid Rewards Card I was told I wasn't eligible for those benefits. When I asked why they could not give me the advertised promotion / benefits even though I met all criteria they said it was based on how I applied. I applied on XXXX when booking the flight, which is where I saw the advertisement.

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

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$5900.00} ; XXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2023-07-07 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:
I applied for a business card and agreed to use the credit card for the sole purpose of the business. I have a personal and business account with XXXX and the personal and business accounts are separate. XXXX has been inaccurately reporting to my personal credit, the reporting dates are not accurate across the board with all bureaus as well as the dates that they began reporting on my credit. One report states that they were reporting to my personal report as of XXXX and the other credit bureaus has XXXX as the starting dates for reporting. My personal credit score has been adversely, tremendously damaged because of the high usage for my business needs and proof has been submitted. I have submitted a letter displaying that they have acknowledged that I have a business and the booklet that was sent to me enclosed with my credit card that clearly states that the business credit card account XXXX was issued for business purposes only. I agreed to that statement and have upheld to that agreement. Also I had a previous dispute asking for this account to be removed, equifax, XXXX responded by stating that that account and the requested inquiries were removed but they have not been removed. I also submitted a request for a few other things that has been reporting over 7 years ( XXXX XXXX XXXX which has been closed, both XXXX XXXX XXXX XXXX  accounts and a duplicated XXXXXXXX XXXX XXXX account ) they just keep responding that the accounts has been verified which is not what I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: GA

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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 2023-07-06 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:
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I submitted XXXX fraud claims in my checking account and it was denied. I had lost my card and called the bank immediately when I saw the transactions that are unauthorized. Navy Federal denied my claim and is taking the provisional credit back. Now I do not have enough money to pay my rent. I will be overdraft. I tried to tell them my situation but they told me they will not provide credit. instead I could appeal the decision which will take months. I do not know what to do. I am poor. I just lost my parents and I have no one to turn to. 

I claim I was given notice. the other claim no notice at all and they just deducted the money from my accouhnt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
I mailed my letter to Mohela and it was delivered. My USPS tracking number is XXXX. Their company violated my Federal protected rights. Under 15 USC 1681 I have a right to privacy. They failed to provide me with any of my privacy disclosures after I requested they send them ; before they shared my non public personal information. With non affiliated third parties. As pursuant 15 USC 6802 ( b ) Obligations with respect to disclosures of personal information-. When I spoke to the associate on the phone on XX/XX/2023 they told me that they dont have any privacy policy nor do they have any option for a consumer to opt-out of any non public personal information from being shared to non affiliates. And after being on the phone for a long XXXX mins. She then informed me that she is emailing me my notices. But after review them it became very clear that the documents they sent to me didnt correspond with the FCRA in regards to the sharing of non personal information to third parties. I went on to explain to the employee that under federal law I am suppose to be given three disclosures if their company wants to share my non public information with third parties ; none of which was provided. They have not provided me with a privacy notice that explains what type of non public personal information they collect, how they use it, and how they protect privacy. Next is my opt out notice If the company wants to share my information with third parties they must give me an opportunity to opt out of such sharing, and finally is my annual privacy notice which should be given to me annually with any changes made to the last privacy notice as well as my option to opt out of my information being shared. Below I will attach the so call privacy notice they sent me along with my letter I wrote to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I applied for a {$5000.00} personal loan for household purposes through UpStart as I had received a loan from them back in XXXX  and had paid it off. I received an adverse action notice in the dashboard stating that information on my credit report was the reason for my denial even though it stated that I had a credit score of XXXX and a XXXX XXXX XXXXXXXX through XXXX. As a consumer, defined under 15 USC 1602 ( i ), the adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. And since this loan was requested for household purposes, the denial was unwarranted and a violation of my consumer rights to not have my credit report used against me. Seeing as this is not the first time my application was denied for {$1000.00} back on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Comenity Bank has listed me as late on two of my credit cards that I have with them ( express credit card and ulta credit card ) even though I have never, not once, been late. Every time Ive made a payment it has been before the due date yet they have listed me as late multiple times and caused my credit score to go down. Comenity actually placed a hold on my express store card back in XXXX that was supposed to be lifted 15 days after I paid it off that is still on the account so I havent had access to my credit for almost four months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 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: TX

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.

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 2023-07-07 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: TX

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: TX

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. 

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 2023-07-06 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: TX

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. 

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 2023-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Checked my credit report and I see a debt collection I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I had ran into hard times about 4/5 months ago first heritage told me they would settle for XXXX at the time I didnt have it the manager told me that I can continue paying the amount the monthly amount of {$110.00} and I been doing so I looked over my credit report First heritage have a XXXX balance with XXXX and Im not understanding how you reported my balance and still taking money for the account I just paid on this account on XX/XX/2023 if First heritage reports XXXX and close account by law they can not get money on this account and should be deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I checked my credit report and see a debt collection that I no knowledge of.

Company response to consumer: Closed with explanation