vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
We are currently on a very high loan for a XXXX XXXX XXXX. We have been behind on the car payments and are currently waiting for my husband 's pay for a job, the job is on a construction loan and taking longer due to the owners needing to request a bank draw. Before this my husband had an accident and was in the hospital after having XXXX on his hands as a concrete finisher he was not able to work and it set us back. I knew our car loan was in default but did not think that it was in actual repo status yet. We had been in the past and received a letter via the mail telling us the date we had to get the account caught up by. We have not received this mailing, I have received text messages that read " your account is severely past due, we may have options for you to avoid repo '' XX/XX/XXXX. " Your account has been assigned for Repo, call us to make payment options and possibly avoid repo '' XX/XX/XXXX. Based on it being " assigned '' I believed it was being transferred to be in repo status, but I still had time to avoid it if I could get a payment within the day. Knowing my husband would be paid soon. The Repo man showed up today while I was home. I was caught off guard and knew I had read in Wisconsin there was a " breaching the peace law '' I asked him about that and he said no, he could take it even if I declined. But I could call the bank while he was there. I called capital one and the customer service agent said I had to let them take it and then call back in XXXX hour. He also told us we would be able to get the car back and it was just going to a holding area and there wouldn't be any extra fees. During this time my husband had looked on his phone and saw that this was a law and that he could request for them to leave. The tow guy then changed what he was saying and said " Well yes you can but then your loan will be canceled for your car ''. Then told my husband he had to look in his body camera and say I orally declined this repo '' I do not have the name of the tow company. Capital, one does I imagine, and all of this is on his body camera, he told my husband and I it was on when we first started talking to him. After my husband declined the repo, I called Capital One and was told they could set up a payment plan. I have contacted an attorney and have a scheduled consult for later today. However, from what I understand, I should have received notice via mail of the repo and that the Repo man and Capital One can not threaten financial consequences on be due to me asking for them to not breach the peace during the repo, and him lying about the law not being valid could be considered that alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. PRIVACY ACT 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

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 2023-12-14 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CT

Complaint narrative:
I have made numerous phones throughout the past few months to TransUnion. I have also sent them certified letters to TransUnion Consumer Relations office informing them that there are 5 accounts reporting inaccurate information as well as negative information. I let them know that there are several inconsistencies with the information they are reporting and the other bureaus. They did nothing about it. I sent those letters XX/XX/2023 and XX/XX/2023 as well as on XX/XX/2023. The accounts that are reporting incorrectly are XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

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. I told Experian, XXXX, and XXXX to reinvestigate these accounts. 

Inquiries : 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 2023-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello, I had a security issue with my phone and decided to upgrade all financial account logins and passwords. I did so with no issue on XXXX XXXX XXXX When it came to PFCU the site would not process the updated password, I tried 2-3 times thne the next business day called in and spent over an hour trying to resolve. Finally I got a manager XXXX  who was polite and attempting to do what he could but after over 2 weeks there has been almost no reply and no solution to update the security of my accounts. I have also had trouble receiving email alerts that statements for credit cards are available. It is important as this is the way I know they are due to be paid. PFCU admittedly has had issues with their online presence. Minor things not working is frustrating but tolerable. Not being able to update and better secure your accounts is not. Maybe some prompting from your agency will help all PFCU members. Note- the customer service people are very polite and professional, but the management overseeing their online presence should be replaced. Thank you

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 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MT

Complaint narrative:
The complaint is against Affirm. I ordered a riding tractor mower XX/XX/23 from a company called XXXX and paid for it with a credit card. I received and email the next day telling me to reorder, that they has accidently deleted my order. I reordered on XX/XX/23 and now I'm getting directed to XXXX. They wanted it to go through Affirm. The delivery was to be in 5  days. I called Affirm at the end of XXXX to cancel the loan as I had not received the mower and ordered the same mower through my local XXXX store. I got my mower from XXXX on XXXX and picked it up. I called Affirm again as a payment was coming due on the mower I never got. I was told that the payments really wouldn't start until I had received an invoice from XXXX. The Affirm person told me I could make a payment then. I bluntly told them NO. I do not pay for things I have not received and especially that amount. I called every week for months with Affirm telling me I was behind on payments. I repeatedly told them I am not making a payment to anyone for a purchase not received.I was finally told that Affirm would launch an investigation and it would take a couple of months. In the mean time, Affirm turned it over to a collection agency. I spoke with them multiple times a week, again telling them I am not paying for something I have not received to turn around an fight with them to get my money back. I receive an email from Affirm XX/XX/23 saying my account had been credited, however, it's on my credit report affecting it by XXXX points. I want this off my credit report immediately. I think Affirm is a fraudulent as well as XXXX and XXXX and I would NEVER do business again with any of them. I have an email from Afform on my phone but I done know how to take a screen shot of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Prev complaint XXXX Unacceptable response! The merchant and construction company did not contest the dispute, and accepted it on their end to promptly return my funds to my credit card and to resolve the dispute in my favor. The email and screenshots of this was submitted. I also called merchant directly to confirm this and advised Goldman to do the same. This was never done. Then Goldman closed out the original dispute stating that I said to close this out, in which I did not. Now they are dragging this along, accept for owning responsibility for their error and not resolving this dispute in my favor thus returning my money to me since the merchant sent the response stating this is in my favor. Completely unacceptable. Goldman Sachs needs to connect me directly with merchant on the line, so that we can clear this up. Apparently the emails and screenshots have not been reviewed by Goldman to see that the merchant resolved this in my favor. Thus Goldman is holding these funds on hold where they should have returned it to me and resolve this dispute in my favor. 


I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. This email was furnished to me directly from XXXX  client XXXX XXXX To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. XXXX attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This debt is an absolute violation of contract! The owner of " XXXX XXXX XXXX '' sold me a lemon, and then stole everybody 's warranty money in the middle of the night, including mine, instead of paying them to the warranty company, as well as all of the titles to every car sold in a given period of time, and fled to the XXXX. Shortly after the authorities contacted me, I was added to a class action lawsuit, and then my head gasket blew, making my car a paper weight, so It ended up in a scrap yard as far as I know. So they violated the contract which they themselves setup with the bank, and according to the lawsuit, I am not responsible for the debt. I disputed it with TransUnion and I sent them a letter from the credit union releasing their interest in it because they couldn't get a title for some reason, didn't want the car back due to the engine being blown and they just wrote it off on their taxes, and I sent them my fraud report filing with the FTC and TransUnion still claims that it is a valid debt, which it is absolutely NOT. Thanks for your help.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It has been several months since my initial contact via mail and my complaints via CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

I am writing to bring your attention to the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: MD

Complaint narrative:
It has been several months since my initial contact via mail and my complaints via CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

I am writing to bring your attention to the following accounts : 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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NV

Complaint narrative:
On XX/XX/2023 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are inquires on my credit report that I did not authorize and that do not belong to me. Please have them removed from my credit report as soon as possible. 

I have listed all the inquires below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We sold our old home and our Land Transfer company gave us checks to send out. We sent them out priority mail with tracking numbers. They received the checks for both QVC and Lowe 's to payoff accounts and close them. They didn't do so. When I couldn't get ahold of them I contacted the XXXX and notified them they hadn't paid off the accounts. They finally contacted me and said they actually had the checks but the checks didn't have account numbers. ( the womans name was XXXX ) She stated she was putting the account numbers on them and would post the checks immediately. The next day when I checked the accounts it stated the checks would be returned within 60 days due to no account on them. I have tried to contact them. Tried to chat with them. I have gotten mixed chats. 1. Never got the checks they are missing. 2. Checks are being returned. 3. We have the checks but have no accounts and have to hold for 60 days. So no one knows what they are doing but my payments are in default, my credit is going into the toilet and all the while they have the money to pay it all off. As I check into this company I find out they do this a lot. This is absolute rubbish and they really need to be stopped. I need my money or they need to pay off my accounts and close them so I don't have to ever deal with them again. This is an outrage.

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 2023-12-14 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
on or about XX/XX/23 i started receiving notifications about a change on my credit report and after investigating I found a derogatory entry from a collection agency. 

I never received any calls, mail or emails regarding this situation from either the original creditor, XXXX XXXX XXXX, or the collection agency, CREDENCE RM ( Original Creditor : XXXX XXXX XXXX  ). 

Had I received any notification of this situation I would have paid this obligation as my existing credit history surely demonstrates. 

Credence RM did not reach out to me about this obligation and the first that I ever knew there was an issue was when I received notifications that my credit score had changed. 

My understanding is that there is a legal obligation to reach out to the debtor before just posting derogatory information to their credit score. 

I want this derogatory information removed from my credit report and I want this Companies practices noted. I would also like XXXX XXXX XXXX to consider not using this Company to collect on debts.

Company response to consumer: Closed with non-monetary relief