vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Request for Assistance and Investigation Regarding Misrepresentation in Car Loan from XXXX XXXX XXXX XXXX And Westlake Financial Services I am achieving out to are trying to find your help and guidance concerning an issue I actually have encountered with the acquisition of my use automobile from XXXX XXXX XXXX XXXX. , positioned at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, and the related financing thru Westlake Financial Services , located at XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I entered right into a vehicle buy settlement with XXXX XXXX XXXX XXXX For a XXXX XXXX XXXX . The marketed rate for the automobile become barely over {$10000.00}, which initially attracted me to the auto. However, upon reviewing the contract, I observed XXXX additional charges that had been now not disclosed during the purchase procedure. These undisclosed expenses significantly improved the general price of the car, a fact that changed into now not transparently communicated to me in the course of the negotiation and purchase. 
Furthermore, upon nearer inspection, I noted that the real mileage of the car changed into higher than what was to start with marketed. This discrepancy increases issues about ability misrepresentation and deceptive advertising practices employed via the dealership. It seems that false or misleading information may also were supplied of their commercials, influencing my decision to buy the automobile. 
As a result of those findings, I believe I have been subjected to unfair treatment as a customer. Therefore, I am attaining out to request your assistance in addressing this rely with an appropriate regulatory frame, particularly the Federal Trade Commission ( FTC ), to request an investigation into this be counted and to searching for intervention.

I accept as true with that the dealership may have engaged in deceptive advertising and marketing and pricing practices, ensuing in financial harm and unfair treatment to me as a patron. I kindly request that the FTC very well look into this remember and take suitable movement to make certain that my rights as a patron are blanketed. I am keen to cooperate completely and provide any further statistics or documentation that can be required to guide your research.

It is disheartening to find myself in a scenario wherein I am procuring a used vehicle as plenty as a brand new car rate due to undisclosed prices and potential misrepresentation. Your prompt interest to this rely would be significantly liked, and I sit up for a resolution that upholds fairness and transparency in patron transactions.

Should you require any further records or clarification, please do not hesitate to contact me at [ XXXX XXXX XXXX ] XXXX Please see attachments in your evaluation. 

Thank you on your interest to this count number. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries I want them blocked & removed immediately 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 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 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group
State: WI

Complaint narrative:
This company called my family members phone and then accused them of being me after they were told it was not. Told them to just go the their website and take care of things

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
inquiry from JPMCB on my credit report on XX/XX/24 did not try to get any new credit for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX missing closed loan accounts not showing in my Equifax credit report, I do see them in my XXXX and XXXX. 

I confirmed with creditors account should be reporting with Equifax and was advised to contact the credit bureau directly. 

I have had issues in the past before I got my social security number, where the credit bureau system automatically create a credit file even without providing a social security number, this is why I am asking the credit bureau to try to locate those accounts manually as it could possibly be in a different credit file under my old address or previous name used. 

Please check attached cover letter and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Im called company XXXX XXXX, in covid 19 time when credit reporting was off they report about my late payments after Tht I been begging them to delete my report.close acunt also showing n late payment .paid off account also showing in credit report.after Tht AFFIRM INC put flag in my XXXX account I dont have no knowledge off Tht .i also called them they denied to remove Tht.plz help me Im trying to buy house bcoz if this now bank not giving me loan bcoz my score is down .plz help me, I called 3 credit barrow and those company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
On this day Monday the XXXX of XXXX at approximately XXXX in the XXXX, the company ( Revvi ) offered me a settlement offer not disclosing that it will close my account if I accepted the offer. The minimum amount that was due was less than the settlement and informed me it will be wise to take the settlement offer due to my financial hardship even though it would have impacted my credit negatively with a derogatory on my credit report instead of suggesting I should pay the minimum due to keep my report in good standings. I was only 70 days late and they informed me that my account will only be closed if I was 180 days late. This was predatory and misleading information and was not a fair practice at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
We lived at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA from XX/XX/XXXX to XX/XX/XXXX. This apartment complex is owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time when we lived there it was managed by XXXX XXXX XXXX, and is currently managed by XXXX XXXX XXXX Two weeks before moving out we did an inspection with management, and they did not find anything that would have required us to make repairs to the apartment. We have photos and videos of the condition of the apartment when we moved out showing it was in good repair and clean. 
A final inspection and accounting of repairs was due back to us on XX/XX/XXXX but we never received it. We sent an email to XXXX demanding a final accounting on XX/XX/XXXX. This email never received a response. Our security deposit of {$600.00} was not returned. We never received another communication from this apartment complex. They had our phone number, email, and forwarding address. The landlord of this property is in violation of CA tenant law, Civil Code 1950.5, by not providing a final accounting to us within 21 days of vacating the property. 
Around XXXX of XXXX we began to receive several phone calls a day that registered as scam likely. On XX/XX/XXXX we answered one of these calls and it was Transworld System Inc. claiming to be a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. They are claiming that we have an outstanding debt of approximately {$35.00} for painting services billed by this apartment complex. 
If you read the XXXX reviews of XXXX XXXX XXXX, several other people are being harassed by debt collectors from this apartment complex for debt that is not owed. 
We have tried to resolve this with both the property management company and the debt collection agency. We have sent certified letters stating that we do not owe this debt and have put the debt in " dispute '' status. Neither company has removed the illegal debt or told us why we are in this position in the first place when we were never contacted about owing anything to this apartment complex, and they actually broke the law by illegally retaining our deposit. We have filed a small claims lawsuit to try to recover our deposit, but we need to be removed from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting a bankruptcy. I would like the documents to at authorized them to do so. According to federal law any consumer reporting agency furnishing data must have the written consent of whom it relates. XXXX does not have my permission to report this alleged bankruptcy and I have a right to privacy.

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 2024-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting a bankruptcy. I would like the documents to at authorized them to do so. According to federal law any consumer reporting agency furnishing data must have the written consent of whom it relates. XXXX does not have my permission to report this alleged bankruptcy and I have a right to privacy.

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 2024-01-29 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: CITIBANK, N.A.
State: WA

Complaint narrative:
inquires on my credit report that i knew nothing about 1. thd/cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX 2.citibank na best buy XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX 3.citi cards cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....

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 2024-01-29 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: CITIBANK, N.A.
State: WA

Complaint narrative:
inquires on my credit report that i knew nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  says its on file till XXXX XXXX XXXX could not reach anyone at this number inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....

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 2024-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
al these accounts that i dont know and are in my report i dont want them, ihave reported them many times 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Recently I XXXX XXXX applied for an Wells Fargo credit card and was denied an extension of credit by Wells Fargo. On XXXX XXXX, I applied for a Wells Fargo Credit Card with Wells Fargo. As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to XXXX XXXX XXXX XXXX ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX and XXXX XXXX has violated my federally protected rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

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 2024-01-30 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: MD

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have not received the offered {$200.00} settle for the damages that were done on the window of the vehicle. Also I have not received any information or calls from either company about compensation. Only a letter from Wells Fargo stating that XXXX XXXX XXXX XXXX had offered {$200.00} to settle for the damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 explanation
Consumer complaint received 2024-01-30 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

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