vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA.

RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint.This document has also been sent Certified mail to this organizations offices.

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 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a Auto loan from Capital One Auto Finance in XXXX XXXX i had no idea that a pandemic was going to impact my finances the way it did. after 3 payments Capital One sent me over the Car title with no lien holder just me as the owner. i contacted Capital one an suggested we make this into the proper loan type which would be an unsecured loan on a credit card, because i have the title and i still owe money for the loan. i was never able to reach someone to discuss the process which can transfer my Auto loan into an unsecured loan type to be a Balance transfer, so that i would be able to pay the loan off in a faster pace instead of 72months it would be 18 months 0 % APR within the terms. the dealership has contacted me and was told to ask if they could buy the car back and Capital One asked me to mail in forms to the DMV, then mail them back to them. i sent in a letter on XX/XX/2021 certified mail. now the title an car situation is in limbo when i suggested a easy resolution where the car is mine by me owning the title as of now and the money i was loaned would be paid off in a shorter time frame, everyone can be happy an settle the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: T.S. Holdings
State: VA

Complaint narrative:
For 3 years I have tried to get XXXX at XXXX IQ data to remove their error of my credit report. I went to court with them on XXXX occasions due to their property manager at the time saying I and a couple of other residents were not paying rent which wasn't true. Each time, she would find it and the case was dismissed or non suit. Well prior to her I got sick ( XXXX ) and filed bankruptcy. I complained about mold in my apartment and reported it, the inspector came out and gave my apt violations. The manager became angry did some digging and when I moved out later I received collections from IQ data my previous bill that I filed bankruptcy on {$4100.00} from XXXX at XXXX. I showed all my paperwork to several mangers which told me the manager that did the dirty deed was no longer there for other underhanded things and embezzlement ; which I already knew it was talk all over the complex. I could care less I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with CAPITAL ONE, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I entered into a lease agreement with Santander by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the Santander class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a 3rd party collections agency that Santander sold the account to called XXXX XXXX. The charge off for Santander is not set to be removed until XX/XX/XXXX and the account with XXXX XXXX, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both Santander and XXXX XXXX numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
The account is showing as a closed/changed off and is still reporting late payments and balances increase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, XXXX XXXX, XXXX XXXX, Synchrony Bank and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, FXXXX XXXX XXXX XXXX, XXXX XXXX and BARCLAY continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an XXXX XXXX  Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent.

The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
On Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an Auto Zone Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent.

The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.

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 2021-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CIBC BANCORP USA INC.
State: IL

Complaint narrative:
i have had major issues with CBIC BANK CORP i have dismissed valid concerns, for example, i made a cash deposit of XXXX $ at the atm inside the bank on XXXX and I couldn't get a XXXX home and was stranded I was unaware that my money wouldn't be immediately available because i went into the bank and made the cash deposit at their atm i believed my money will be available immediately i found out that wasn't true I called THE BANK and they explained the policy i knew nothing about i went inside the bank and made A CASH DEPOSIT at their atm inside their headquarters i was completely shocked and confused only now after my situation cash deposit are NOW available immediately I won the XXXX BUSINESS RESILIENCY grant and was supposed to receive XXXX when they requested my business bank statements I was told by my bank that my account did not qualify for ONLINE BANKING i have a TIER 1 account I had no idea what that meant and was only able to get XXXX of the grant due to my inability to produce my business bank statements again I had no knowledge of this until I the organization requested the documents from CBIC to validate my company. I found out I was intentionally steered into taking a account with less favorable terms because of my race and XXXX I have been banking with CBIC since 2017 not one incident of overdrafts fraud or any issues with my accounts on XXXX I contacted the bank about the XXXX XXXX overcharging me and holding my card for a security deposit XXXX I explained documented the situation with my banker i received a call from the hotel and contacted the bank about the issues with my account i forwarded the emails to her and the XXXX issued me an apology in writing taking full responsibility for the charges and hold on my account i again forwarded the letter to Bank Yesterday i went into the bank to deposit money and learned i have a overdraft fee of XXXX!!!!!!!!! for the issue with the XXXX, i was just done CBIC and filed a complaint to be sure they take accountability for their discrimination toward XXXX XXXX business owners and my account was suddenly terminated and closed without any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD bank account was compromised and I have been charged at least {$3500.00} in fees for the year for returned items and unreal charges. I have tried to get help and have reported my account compromised numerous times. They have never done anything.I am going to take legal action if something is not immediately done. This is illegal and disgusting of a bank to victimize me more after stealing thousands of dollars from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XX/XX/2019 my XXXX XXXX XXXX policy premium is {$2500.00} I made two payments ( monthly ) in the amounts of {$300.00} and {$290.00}. First of all {$2500.00} divided by 12 is {$210.00} not {$300.00} or {$290.00} so I immediately switched auto insurance companies. XXXX then sent my account to collections for {$690.00}. When in reality XXXX charges a 10 % cancellation fee which would equal {$190.00} for my cancellation. I have no clue where they got {$690.00} from and I have tried for 2 years now to get this collection removed off my account but nothing and XXXX has failed to return any of my calls and disputes. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately. 

I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries. 

My next step is to bring this case to small claims court.

Company response to consumer: Closed with explanation