vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX I attempted to purchase a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. on line. I did a credit check and was approved for financing from Westlake Financial Services. at no point did I ever take possession of the vehicle in question. VIN # XXXX. Approximately one week later I found out that the vehicle was rebuild and I contacted the dealership and West lake Financial Services and advised them both that I had no intention of going forward with the purchase due to the fact that the vehicle is a rebuild vehicle. Prior to completing the purchase of the vehicle in question, I put a down payment of {$8500.00}. I contacted the dealership and requested that I get a full refund due to the fact that I did not take possession of the vehicle and the vehicle was being sold under false pretense. The dealership advised me to contact the finance company and they would give me a full refund, however I did not get my money refunded back to me. Whereafter, Westlake Financial Service, have been reporting said vehicle as charged off, knowing that I at no point took possession of the vehicle non question. Furthermore, at no point did I ever sign the buyers order and or contract. Wherefore my rights have been violated. 
1 ) 15 USC 1681 - The fair credit reporting Act.

2 ) 15 USC 1692 - The Fair Debt Collection Practice Act.

3 ) 15 USC 1601 - The Truth and Lending Act.

4 ) 15 USC 1691- Equal Credit Opportunity Act.

5 ) 15 USC 6801- Gramm Leach Bliley Act.

6 ) 15 USC 1662 - Advertising of Down Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX  Account 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. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I've recently paid for my credit reports and reviewed the information provided by you. I've identified numerous inaccuracies in my credit file. The listed accounts were not opened by me, and I did not benefit from them. Additionally, these unauthorized accounts and inquiries were initiated without my consent or knowledge. I neither opened nor gained any benefit from these accounts, and I did not authorize anyone else to do so. It's crucial to rectify these inaccuracies promptly. 


They are being listed as follows : ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-04 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: VA

Complaint narrative:
I received a credit decision report or copy from a company that I do not recognize. It made me more suspicious because TransUnion is used as the reporting company. I would not want to explain more without attorney representation or professional help because it is apparent that my own words would be used against me and/or get sliced and/or butchered by a fearless bullying gang of unforgettable punishment which for some unknown reason is allowed to occupy my privacy rights by aggression and/or create fake jobs that would be added to the economy. Life is given to man by XXXX, Life is not given to man by man. What a wisdom?!

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 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2023 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

XXXX XXXX XXXX, XXXX. 
{$11000.00} This account is being disputed

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 2024-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I returned my XXXX to XXXX XXXX and now I am seeing I have a balance of XXXX I have no idea what this balance is for. I have paid up my lease till the end. 
I want them to close the account to XXXX and no further collections or credit reporting. I have no idea what this balance is for

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 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They never provided all the documents I've requested, I've sent request by certified mail numerous times.. I did not receive nothing in the mail from them.. 

They only have one screenshot of a bill, they will respond with the same document and same one-liner every time.. One trick pony act without any solid proof..

Don't just tell me what little information you have on me, show me everything I've requested... 

I need to see everything that I've requested for proof, I believe they do not have such documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
per the FCRA as a federally protected consumer, I am now opting out any & all authorization i the consumer may have given XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I was struggling with making payments, so I asked if it were possible to do a reduction plan for my monthly payments which I have done before. It would bring my monthly payment to {XXXX for 3 months and after making those payments, my loan would be brought current. I was able to do this one time before, so I thought that I would be able to do this option again. I was told that I would be enrolled in this option, my payments were brought down to XXXX}, except this time I was not made aware that after paying XXXX for 3 months, that my payments would be brought current. I was constantly being sent emails, and receiving phone calls that my student loan was behind in payments despite the fact that I enrolled in the lower payment program. At the time of enrollment it was never explained to me that the loans would not be brought current after making the 3 payments of XXXX  Now I'm behind by XXXX, in which they are saying I'm behind by 160 days, and if I don't pay by the end of XXXX, my loan will be sent to collections. I'm still getting collection phone calls. When I attempt to call AES which they asked for me to call at my earliest convenience, they say that there is nothing they can do for me, and then they just keep calling and sending notifications despite my attempts to talk with them and ask for assistance. I have all the corresponding documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
About three months ago, my Coinbase account for a few years was put under review and locked by Coinbase ( coinbase.com ), which means I can't buy or sell or in any other way touch my investments in the Coinbase account. Coinbase app claimed that they need to verify my information. I contacted their customer service over the phone on XX/XX/year>, and completed all the verification steps instructed by the customer service agent on the phone. The agent on the phone confirmed they've got everything, and nothing else is needed from me, and they will review my information. They gave me a case number. However the customer service agent refused to provide any timeline around when the review will be done, and just told me to wait. 

Now it's more than 3 months since my account was put under review, and it's still locked. I tried to follow up with Coinbase using the customer service email they sent me but got no response. Please help me. 

For reference, here 's my case number given by Coinbase customer service agent : # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
SYNCB/XXXX reported an inquiry on my consumer report without proper disclosure or the opportunity to provide an alternative to opt out of sharing my information.

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 2024-02-04 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: OH

Complaint narrative:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax due to their failure to respond adequately to my dispute. On XXXX, I sent a dispute letter to Equifax, seeking an investigation into inaccurate items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an incorrect name. Subsequent to this, I sent follow-up disputes on XXXX and XXXX. Unfortunately, I have not received any response from Equifax with investigation results. 

The Fair Credit Reporting Act ( FCRA ) explicitly states that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation. Equifax 's failure to initiate a reasonable investigation is a clear violation of my consumer rights as outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I have a fully verified XXXX XXXX checking account with a Zelle profile, but I have not been able to receive any payments after over 48 hours of attempts. This person is in my contact list and Im in theirs, and we both have legitimate checking accounts. Weve both called customer service several times to speak with supervisors, and theyve also gone into the branch to verify, but no one can give a clear answer as to whats going on or any possibility of a solution. I was able to send a Zelle to this person today, but they immediately attempted to send something back to me and were getting the same error message. It asks us to wait 4 hours for review, then after the 4 hours it fails every single time. 

This needs to be rectified by XXXX XXXX/Zelle immediately . Theres no reason why my Zelle profile is just not functional with a fully verified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: KS

Complaint narrative:
I XXXX XXXX, per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given you written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.

( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.

( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( g ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


RentDebt Automated Collections DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO RentDebt Automated Collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
Hello I recently was given a copy of my background check that was obtained from an employer I recently applied to. And they are considering withdrawing my application for which I had already been offered the position to start in a few weeks, due to this inaccurate information listed on my background check. It states that I have a felony on my record, for which I do not. I already told them about the misdemeanor charge that I have had in 2018, to which was on there as well, but when I got charged for that then, it was XXXX counts of misdemeanor XXXX charges. Two of the same charge. But my background report says that I was charged with a misdemeanor and a felony both for the same charge, which is incorrect. I have proof of this documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: AL

Complaint narrative:
According to US 1691 c ( 1 ) without my written consent that is considered identity theft. 
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 2024-02-04 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: AL

Complaint narrative:
According to US 1691 c ( 1 ) without my written consent that is considered identity theft. 
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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In or around XXXX, Portfolio Recovery began contacting me to collect a debt they said I owed. They never provided proof of the debt and their collection tactics were in violation of the FDCPA. There was a lot of back and forth, they even tried to involve my wife. 

In XXXX, they filed a complaint in XXXX XXXX XXXX and after I answered the Complaint and answered XXXX, they attempted to get a default judgment against me, saying I never answered the Complaint. The judge denied their request for entry of default judgment. They NEVER got a judgment against me. A court date was set in XX/XX/XXXX and as I was at court waiting for my case to be called, I was told to go to the clerk 's office. There, I was given a letter which was faxed from Portfolio 's attorney, saying they were dismissing the Complaint and for me to sign and file a Stipulation of Dismissal, which I did. 

Following dismissal of the Complaint, Portfolio and their attorneys tried several times to collect. They did not reinstate the Complaint. I responded to each on, the last one being XXXX. In XX/XX/XXXX, I received a Notice of Application for Wage Garnishment from Portfolio 's in-house attorney, in which they refer to me as judgment-debtor. They are in violation as they NEVER received a judgment against me. 

It has now been more than 11 years since the Complaint was dismissed and the Stipulation of Dismissal filed. They are far outside of the window to collect any debt, which I contend they still were not entitled to do, even if I did owe the debt. Their attempt to get my wages garnished without having a judgment against me violates the law and the FDCPA. I responded to this attempt in writing, with no response from Portfolio. I also sent a letter to the court advising them of this. 

On XX/XX/XXXX, I received another Notice of Application for Wage Garnishment, again seeking to collect money from me and they are far outside of the permissible collection window. Them identifying themselves as judgment-creditor is a fraud, to say the least as they never had any judgment against me. 

I communicated with a couple of attorneys who said they are not entitled to pursue me without a judgment and because of time bar and that because of the continued harassment, I would have an action against them. 

Please help me put a stop to this harassment. I didn't receive any response from them regarding their XX/XX/XXXX attempt and haven't heard anything from the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit Bureaus are reporting incorrect information in my credit report. I have asked for the information to be corrected. Information was sent that the XXXX account was paid in full and now has a XXXX balance. They are still reporting a balance of over {$4000.00}. This incorrect information is impeding my efforts of purchasing a home. They information was reported to the XXXX in 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 2024-02-05 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: CITIBANK, N.A.
State: VA

Complaint narrative:
HOME DEPOT CREDIT SERIVICES reported an inquiry on my credit report without my knowledge nor written disclosure regarding such report being made. The company also failed to provide me with the option to opt out of sharing my information.

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 2024-02-05 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: NC

Complaint narrative:
The credit Bureaus are reporting incorrect information in my credit report. I have asked for the information to be corrected. Information was sent that the XXXX account was paid in full and now has a zero balance. They are still reporting a balance of over {$4000.00}. This incorrect information is impeding my efforts of purchasing a home. They information was reported to the Nurses in 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