vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
After paying the refinance amount, I called the store manager and spoke to XXXX. He said that yes, I am able to refinance but hes not going to let me, because he feels like I should pay more interest first. I said, so Im eligible and able via TitleMax but you personally are not going to let me, due to your personal feelings? He said yespay more interest and then I might let you. I already paid the refinance amount and he said too bad. Im not letting you. This is illegal. I paid it already. I then asked for a District Managers number and corporates number. XXXX said no. Then he gave me the number to collections and said it was Corporate. They said no this is not, and XXXX purposely gave you the wrong number. I requested a call from the DDOwho was supposed to call me three weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: 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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-13 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: AR

Complaint narrative:
On XX/XX/2023 I filed a debt validation dispute with experian for accountsXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX to send proof & original contract that I owe a debt I have not received no proof but my credit report was verified and updated whenever I asked what proof I get no response or documentation, I'm asked that these accounts be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$830.00}.

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 explanation
Consumer complaint received 2023-09-13 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:
Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.

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 2023-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a claim because a merchant over charged me and the service I was asking for wasnt the one they was providing. I requested a cancellation to the merchant ( XXXX XXXXXXXX ) and the service was supposed to start the next day and I canceled the Same day I took it without Leaving the merchant site. I first the merchant Told me they did it, for my records I asked for a cancellation prouf or paper, the merchant started fighting and I told them I will call the police .She told me she wont give me a refund because I stepped out but I was in the front of the office because I was checking on the paper she gave me, she did not explain me anything telling me everything is a email they will send me ( I got a quote from an agent on the phone and I when to the closest place to paid it. The original price I was supposed to pay was {$230.00} ) when the lady I find there charged me {$330.00} because they were already a quote. When I checked I realized she over charged me and that wasnt a service I was asking for. I called immediately the agent who did my quote she apologize to me and told me the company they find for me is not providing it at the moment and she asked me if I would like to cancel and I told her yes, she told me to go back inside and request for cancellation and make sure to get a confirmation paper.Now they told my bank I did not cancel it and I sent my bank the paper stating cancellation request and proof I got another insurance after I canceled it and my bank credited the claim money I opened. I submitted all documents.they tried to lied I sign something but they forgot to put the XXXX I signed but all documents showed everything was on the XXXX I even my bank transactions was on the XXXX .which means they was lying. I gave all all documents to the bank the event didnt check they just closed my case stating I did not give them enough evidence.what else they want than a cancellation paper? Please check attached for documents and all explanation.

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 2023-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During the beginning of the epidemic, I spoke with someone at Wells Fargo Dealer Services about payments, I declined the deferred payment at first, then I accepted the offer for deferred payments and heard nothing after that. I was working in XXXX Tennessee, and the truck was repossessed. They didn't allow me to make up the payments I missed, instead they made me come up with XXXX to get the truck back. I had to use payroll to get the truck back. Wells Fargo now says that its a charge-off after I paid my money, and its not favorable on my credit report. I have repeatedly told them that this is a bad practice. I went to purchase a truck today and was denied because 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 2023-09-14 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: V and H Portfolio
State: IL

Complaint narrative:
Vance and Huffman. LLC Purchase a account from XXXX XXXX  that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The balance on this account is incorrect and hasnt been updated per my request the I thought the fair debt collection act was supposed to protect me for company reporting however they want

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 2023-09-13 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credova Holdings Inc
State: AL

Complaint narrative:
On XX/XX/XXXX I purchased a firearm thru XXXX XXXX using Credova which was marketed as a buy now pay later program, In the contract given to me it stated there were XXXX items, when i only purchased XXXX firearm, the documents given to me by XXXX XXXX XXXX, who Credova gave my debt to or whatever, state that the open balance is a little over XXXX dollars, when the firearm i bought and received is worth over just a little over XXXX dollars, this loan is a 0 % APR loan, so logically the open balance should only be XXXX or so dollars, the worth of the firearm. When I spoke with someone at Credova on XX/XX/XXXX, they said that because I went past the 30 day " buyout Period '' at the start of my contract, it DOUBLES the amount of the purchase, that's the verbatim reply of the customer service rep. That sounds absolutely CRIMINAL! No where on the contract does it say " the items value will be doubled if this Early buyout method is not used '', its criminal! XXXX forbid a lawyer takes a look at this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-14 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: EQUIFAX, INC.
State: NE

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp.
State: NV

Complaint narrative:
In XX/XX/XXXX, I received a collection notice from Armada Corp of Nevada. This notification referenced a dollar amount {$770.00} only. This dollar amount was not familiar to me and I have paid every medical bill I've received. The notification did not reference the date, any creditor info or details of the dollar amount. I called Armada. Requested supporting docs be emailed to me. Armada stated they didn't have ability to email. Requested supporting docs be sent via postal mail. To date, nothing received. Today, I was served with a Small Claims Complaint for this {$770.00}. I immediately called Armada, spoke with XXXX, advised her that I never received any supporting docs on this matter. Requested emailed docs again. Was told again that she didn't have the ability to email. XXXX will mail the supporting docs. XXXX stated that this {$770.00} was for a doctor back in XX/XX/XXXX. That was 3 years ago. I don't have any bills, invoices, statements from any entity that are unpaid. You can not retain and hold bills for 3 years, fail to provide supporting docs, fail to email, mail or call and then sue someone. If the debt is valid, I will pay the {$770.00}, but to date, I have not received anything, after requesting it, to support this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: CO

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 at approximately XXXXXXXX XXXX  there was an attempted to make a XXXX dollar withdraw from the XXXXXXXX XXXX ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The ATM displayed and error message and no cash or receipt were produced. The teller at the bank was informed and she stated that they do not service the ATM. On XX/XX/XXXX I noticed that the funds had been withdrawn from my account. I contacted USAA, with whom I bank and informed them of discrepancy at which point they informed me that they would investigate the matter. On XX/XX/2023 USAA informed me that they had denied my claim. On XX/XX/2023 I deputed the denial, which was also declined on XX/XX/2023. On XX/XX/2023 I received the documentation I had requested that USAA had used to deny my claim. The dates showing the ATM balances were illegible. I have also requested multiple times that USAA request the video footage from XXXXXXXX XXXX  as there are multiple cameras that have clear views of the ATM in question, including a camera in the ATM itself. USAA has done nothing to help with this situation and are refusing to credit me my money back or do anything else, despite multiple requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation