vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Aidvantage is requesting repayment for a loan. Before I send any money to them I would like proof that such payment is owed. 

In accordance with Holder In Due Course Rule UCC 3-305 ( e ) ( ii ) ( HIDC ) the person obliged to pay the instrument has a defense, claim in recoupment or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. 

I am asserting my rights as the holder in due course of any rights, interest, dividends, proceeds, and profits made from the promissory note, application or commercial instrument involving the consumer credit transaction with Aidvantage. 

I am demanding answers to the following : 1. Was the promissory note sold to a special-purpose vehicle or trust?

2. Has the note/commercial instrument been securitized?

3. If the note has been sold, how much profit was made from the sale?

4. Is the applicant entitled to the profits made from the sale of the note?

5. Is the promissory note considered collateral security?

6. Did Aidvantage provide full disclosure as to the consumer credit transaction with the applicant?

7. Is Aidvantage in possession of the original promissory note and can provide proof of such on request? 
8. Did Aidvantage loan me any money?

9. Is Advantage authorized to loan money to applicants?

10. Can Aidvantage show documentation that money was debited from their bank account and given to me?

11. What species of payment is Aidvantage requesting for repayment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Transunion Address : XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of TransUnion, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated.

Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to TransUnion resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Persuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: V and H Portfolio
State: CA

Complaint narrative:
I have no knowledge of these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I'm reaching out to provide a follow up on my previous complaint about the situation in which I became a victim of identity theft. Once again, I'd like to mention FCRA Section 605B, as stated in 15 U.S.C. 1681c-1, which requires Credit Reporting Agencies to remove and block the inclusion of any items listed in an identity theft report. Please take a look at the attached documents to help with the process of blocking and removing the inquiries that have been showing up on my report. Below, you'll find a list of the unauthorized inquiries that have been recorded in my credit history : EXPERIAN : XXXX XXXX XXXX XX/XX/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 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

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 2023-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
re : kohls credit card i never had one someone using my information We have called and written kohls and thought we had fixed and asked them erase any/all of my info then get a new credit card in the mail immediately cut in half and filed then we get billing saying i charged 3 times at XXXX texas store on XX/XX/XXXX  they may be same person who stole and is using my info ( like they did at XXXX  as outlined in my previous complaint ) I am billed by kohls for 3 purchases on XX/XX/XXXX  of {$13.00} and {$110.00} and {$25.00} total {$150.00} on account # XXXX do not have a kohls card did not make these purchases and kohls is not listening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX  4. XXXX XXXX Date of inquiry XX/XX/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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Persuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
I received a letter from this company stating that I owe a debt, I sent back a letter of debt validation and company sent back an itemized billing statement stating it is validating the debt which does not constitute validation according to Attorney XXXX XXXX XXXX FTC opinion letter, also stated to send proof that they did not purchase the debt, also copy of any viable evidence bearing my signature. Company did not send back what was stated in letter within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Byrider Franchising, LLC
State: AL

Complaint narrative:
I purchased a vehicle on XX/XX/2023 from J.D. Byrider. The next day XX/XX/2023, I started to experience issues with the car while driving. I heard loud sounds so I reach out to XXXX and let her know the issues the issues that I was having with the car. They had me to bring the car back to them on XX/XX/XXXX so that they could run a diagnostic check. They told me that they needed to order part to fix the car and to bring it back in once the part was in. On XX/XX/XXXX, I dropped off the car to them to make the repair. About XXXX hours later, they called me and told me that the car had been fixed. I picked up the car that day and later that evening the sounds started again. Let them know that the car was doing the same thing. On XX/XX/XXXX, the car started running hot. I reached out to them and told them that I would like my money back because this car is a " lemon ''. They told me that I could not get my money back so I asked to placed in a different vehicle and again they told me that they could not do that either. They kept the car over 7 days and said that the car was fixed again but I heard the sounds again. They stated that they could not hear the sounds, although the sounds were obvious, so they didn't know how to fix the car. They stated that they would like to cancel the deal. I dropped off the car. On XX/XX/XXXX, I returned the car to them. I was told that since I disputed the down payment, I had to pay or they won't fix the car. The XXXX was adamant about not fixing the car or giving my down payment back. On XX/XX/XXXX, I received my down payment back from my dispute however a repossession was placed on my credit report. I question them about why they put a repossession on my credit and they stated that since I abandoned the vehicle it becomes a repossession although the vehicle was in their possession for repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA and FDCPA Consumer Protection Laws prevent balances on authorized users accounts to be reported to the authorized users credit profiles if they did not make the charges. I dont even have the cards activated, they are in a safe and I never use them because these accounts are for credit building. 

The balances reported on my credit file for the following accounts should be updated to XXXX  balance immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for following the law

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