vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX, at XXXX XXXX XXXX, I was manipulated into accepting a predatory auto loan from Westlake Financial. The terms of the loan were abusive from the start, with an extortionate XXXX XXXX interest rate. I was coerced into this loan with minimal transparency about the long-term financial harm it would cause. This loan should never have been approved for someone in my financial position at the time. 

Over the course of this loan, I have paid Westlake Financial over {$12000.00}, yet they still repossessed my car and are now demanding an additional {$1500.00} to retrieve it. The car is in poor condition, damaged, and not even worth the amount they are asking for. They are holding the vehicle ransom with absurd charges that far exceed its value, all while exploiting consumers like me with their unethical loan practices. 

Westlake Financial is notorious for taking advantage of vulnerable individuals with predatory interest rates and loan terms designed to trap people in debt. I believe this company is engaging in unethical and potentially illegal lending practices. Their business model seems focused on extracting every possible dollar from customers, regardless of the customers ability to pay or the vehicles actual worth. 

This situation has caused extreme financial XXXX, and I can no longer afford to be held hostage by their outrageous demands. I am filing this complaint in hopes of preventing further exploitation of others and seeking immediate relief from this debt. I request a full investigation into Westlake Financials lending practices and demand that this predatory behavior be stopped. 
[ Payments made as followed ] XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$600.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$250.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$260.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$560.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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:
Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX  XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2024-10-19 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: FL

Complaint narrative:
Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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.

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 2024-10-19 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
The consumer checked his credit score on XXXX XXXX, he noticed a new alert was negatively impacting his score. The company in question is Consumer Adjustment Co, and the consumer has no information who or what the Consumer Adjustment Co is from. The report was on XX/XX/year>. The consumer believes this to be a fraudulent report. The consumer made a complaint on XX/XX/year> and Consumer Adjustment Co complied with the complaint and the debt was whipped off his credit score but later was back on his report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Several months ago, I attempted to open a JCPenney credit card by providing my SSN. The card came with a discount on my purchase. I made the purchase and was prepared to pay the card in full but never received an account number or a physical card. 

Fast forward, several months and phone calls later, I received a bill for nearly twice the amount I originally charged. I paid for the charges I rightfully incurred, reported the fraud and asked for the account to be closed. 

Several months later and I am still receiving bills with mounting interest! 
According to the recovery department, I owe XXXX. However, According to the customer service division, I oweXXXX Despite paying for the account in full and requesting for the account to be closed. 


JCPenney acct: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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
SECURITY ALERT or FRAUD ALERT was placed on my report without my consent.

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 2024-10-19 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TradeStation Group, Inc.
State: CA

Complaint narrative:
I received an advertisement for a brokerage account ( margin, which is credit ). All fed affiliated banks are bankrupt and committing bankruptcy fraud here : XXXX XXXX XXXX I want my collateral returned. I will never open another XXXX denominated account. You have stole in excess of a XXXX dollars from me via XXXX. I will never do business with you again. Stop contacting me.

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 2024-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made a payment to Kohls. Always pay full balance. Per my bank ( when looking at back of check ) Kohls cashed it but assigned it to the wrong account. My correct account number was typed on the front of check. It was cashed and posted before payment was due. I sent a copy of the front and back to the address they provided. They still whacked my credit score and sent another letter about them being unable to research payments sent through your banks online XXXX XXXX service. Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I spent months trying the fix the issue with XXXX. They took forever, which now I believe they did it on purpose. Once I realized it seemed as if they were stalling I went to file a report with my credit card company. Now my credit card company doesn't want to go through with the dispute and not accurately doing anything. XXXX had my return rental sitting on the lot for a while before entering it in the system. They also supposedly had a repo on the card switch the car was returned by the renter of the vehicle. The credit card company is just as worse as the scammers XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXXXXXX XXXX XXXX  I was contacted by a company saying that my XXXX account was sending credit card advances for purchases in XXXX, NY. I denied the charges. 
Later that afternoon I was contacted by an " XXXX '' vendor that informed me that my account at the Bank of America was hacked and was being drained of funds. I went to my BofA in XXXX, NJ and informed them my account was being hacked and that I had been asked to get a credit card advance for {$6000.00} dollars and to deposit this in a XXXX account ( XXXX XXXX in XXXX ). The people I was speaking to at the bank knew there was a problem and gave me the money. I handed the XXXX a piece of paper that I wrote " I am being hacked right now. '' The teller did not call a Manager or any other bank official over to try to assess the emergency problem. I have never taken a credit card advance since being XXXX for 25+ years. I then deposited the money in a XXXX  machine XXXX XXXX. I only realized the scam far too late. I have spoken to a branch accounts manager XXXX, who also was unable to get to a reputable accoun/ XXXX  to deal with the problem. I recognize that inthe previous question I said I had not contacted the bank. I have in fact done so. They remitted XXXX $ for the XXXX hack. Thank you. 

I have the documents but can not attach them as of now. I am writing this from my phone.

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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I submitted a check to be deposited on XX/XX/25, it was held for 10 days, cashed by Bank of America, and the account was closed with no further information. I have contacted. The bank that issued the check has contacted and asked for it to be returned. It has now been almost 90 days and I still dont have an answer and the check hasnt been returned.

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 2024-10-19 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: GA

Complaint narrative:
I have some accounts that are on my consumer file, that are in violation of the fcra and need to validated/verified in order for them to continue to be reported on my credit report. I have also sent a validation noticed to the company as well. These account are in violation and need to be deleted from my consumer file.

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 2024-10-19 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: IL

Complaint narrative:
Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes, with stating that They belong to You - VERIFIED. Transunion doesn't even perform a real investigation, ever, They just replicate their responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX : in The XXXX XXXX XXXX Illinois. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX - See Attached Criminal Reports!

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 2024-10-19 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due 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 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following 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

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 2024-10-19 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: GA

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please removed this account from my report, they are hurting my ability obtain credit

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 2024-10-19 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: FL

Complaint narrative:
Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation