vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Around XX/XX/year> I asked for XXXX, title maxes system was down. They turned around and sent me to a different location the next day and stated that store would be a better fit since they can only offer me XXXX. The other location was a bigger store off north central expressway, I went in there and spoke with a XXXX young lady. I asked her a couple of questions but she was unable to answer these questions, she kept asking her manager for the most part of it. If I had a question while I was trying to read the contract she kept reading faster. I then asked for her to print out the contract so I can read it myself, she denied me that and said she can not do that there and stated it would be uploaded on my portal within 72 hours because it is almost the weekend. I stated I needed to read my contract before I leave the store, she told me she will explain it verbally in estimates on what my payments will be. She printed out XXXX cover sheet of my first payment, I told her I do not feel comfortable taking any money without knowing the contract. She stated she already put the money on my debit card and I told her to take the money back because the contract was not explained to me properly. She kept going back to the supervisor speaking XXXX when I do not understand that language. She denied taking the money off the card and denied printing my contract. She then made a remark that " I thought you rent was due '' well I still have time so again I did not feel comfortable taking this money without knowing anything about the contract. She then stated I need to pay the interest of XXXX making my total XXXX when I have not left the vicinity yet, she stated this was interest and fees. I asked where is this stated she said in my contract I then asked to see my contract and I again was denied seeing my contract! The main supervisor then stated the printer does not work, XXXX months later I still do not have my contract. They violated breach of peace by breaking into my garage and repossessing my vehicle, there is a sign stating no trespassing, this is a private garage. Then XXXX XXXX altered my signature on the contract and thats why they didnt provide a copy to me the day of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
I recently received a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16818-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( XXXX XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g XXXX. Fair Credit Reporting Act 15USC S1681 violations for willful noncompliance - 5616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N Best regards, 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 2024-08-25 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping medue to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -1002.142 ( b ) ( 7 ). I kindlyrequest that you block this information from my credit repot within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama XXXX XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion, XXXX and XXXX. Please delete the following accounts : XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7400.00}, @ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
The company have violate the contract. I didnt receive multiple information. I have included the affidavit and request the company for the information and I also have the company have refused to answer the violation of federal law that was supposed to be included in the contract. I have included the contract also, and I have the number in my affidavit. I have rescind my contract because of the violation and federal law allow me to resend my contract now the Now the company refuses to answer. Or return my money. I have included and outlined .The Five things must be included in car contracts by law they wasnt. I also have include the contract pages. I have online theres a lot of violations in this contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX I was contacted by a Navy Federal Credit Union impersonator who had spoofed the NFCU phone number. They had all of my personal information and used it to take out a {$4900.00} personal expense loan in my name and then tricked me into sending that {$4900.00} to another NFCU account that they had added to my account-to-account transfer tool. As I was going through setting up new checking accounts on XX/XX/XXXX, NFCU froze {$4900.00} of my funds for a reason they will not disclose. This money had nothing to do with the fraud that took place. Since then, Navy Federal Credit Union has mishandled my case, lied to me about acquiring further information, and stonewalled me. I have contacted local law enforcement, submitted an IC3 report, and contacted multiple law offices in case they become necessary. 

To elaborate on how they've mishandled everything : ~NFCU has frozen {$4900.00} of my funds that have nothing to do with the fraud that occurred. 
~NFCU has left the fraudulent loan that the identity thief took out in my name on my account to build interest and ruin my credit. 
~NFCU personnel took 2 weeks to inform me how to properly submit a fraud claim. I had called them several times in this period.

~NFCU personnel told me I could get in contact with my fraud claim investigator through their eMessage tool. I attempted several times to get in contact with the investigator but only got investigations department clerks who never answered any of my questions properly and would shut down conversations without acknowledging anything I asked for.

~After the above, NFCU fraud department supervisors told me that they were sorry for how severely mishandled my claim has been, and told me that if I sent another eMessage to the investigations department that they would make sure that the investigator called me back. I was immediately told by the investigations department clerk that is not true, has never been true, and that investigators will never contact a customer without legal pressure. Whether that be a lawyer or a subpoena.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email stating that a hard inquiry was ran on my credit report by Barclays Bank of Delaware on XXXX XX/XX/XXXX. 

I have not applied for credit or have credit with Barclays bank so I called and they couldnt tell me how they got my information, or Social Security number which is quite scary! 

I sent an email to Security division over the weekend to no avail. 

If they ran my credit report, they know what they ran it for? No one could answer that question for me and I dont know what to do.

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 2024-08-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was approved for XXXX XXXX  back in XXXX. I had it to where the money would go to the nc des debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. I was in a different state giving birth. Bank of america instantly denied my claim. told me i had XXXX days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and XXXX days later I was told that it was denied. 
I asked to have it reopened sent over the nessecary docutmentions, XXXX day later they denied my claim. Ive provided sufficient documentation regarding this claim. They spilt my XXXX claim into XXXX separate claims and only approved XXXX claim. Which makes no sense to me being that it was XXXX claim and I filed it as XXXX claim. 
Ive called several times and sent documents in on multiple occasions and they still denied my claim even with me showing proof that I wasnt even in the same state for weeks. 
I feel as if they instantly denied my claim without actually doing any investigating.

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 2024-08-25 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: AZ

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 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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 2024-08-25 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Dear XXXX, I have reached out to your office numerous times regarding my situation as a victim of identity theft. I have provided multiple documents to support my case and would like assistance in resolving this matter. 

Thank you for your attention to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping medue to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -1002.142 ( b ) ( 7 ). I kindlyrequest that you block this information from my credit repot within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama victim of human traffi cking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Equifax. Please delete the following accounts : XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7400.00}, @ XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping medue to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -1002.142 ( b ) ( 7 ). I kindlyrequest that you block this information from my credit repot within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama victim of human traffi cking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Experian and XXXX. Please delete the following accounts : XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7400.00}, @ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX 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 2024-08-25 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: IL

Complaint narrative:
I am filing this formal complaint against Equifax and the entities responsible for allowing the entry of these unauthorized credit inquiries on my credit report. I am requesting the immediate deletion of all 26 inaccurate credit inquiries, as these were the result of identity theft and were made without my authorization, in clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n.

Details : Unauthorized Inquiries : The 26 credit inquiries, listed in my report, were made without my consent. Each date listed represents a separate unauthorized inquiry. This constitutes a willful violation of the FCRA, which prohibits obtaining a consumer report under false pretenses or without a permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & XX/XX/XXXX , Violation of 15 U.S.C . 1681n : Under this statute, any person or entity that fails to comply with the requirements of the FCRA is liable for damages. The entities responsible for these inquiries have willfully ignored the legal requirements, making them liable for both statutory and actual damages. 

Violation of XXXX XXXX ( XXXX ) : The financial institutions involved have also failed to comply with the GLBA by not providing me with the required privacy notices at the time of establishing a customer relationship. This law mandates that I be given the opportunity to opt out of sharing my non-public personal information ( NPI ) with non-affiliated third parties. The failure to provide such an option has unlawfully exposed my personal information to unauthorized third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have had a Goldman Sachs Apple Card for a few years and have been a great customer with no late payments. Without notice they closed my account and said I failed to comply with the terms of the customer agreement. 

I contacted them and tried to ask what I had failed to comply with and they could not tell me. I talked with a supervisor and the couldnt tell me anything more either. 

I think it is very unfair to cancel my account without any cause and give me no explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Acc. Name. Acc. Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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