vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My Wayfair Mastercard account has been removed from XXXX report without any reason. 
I contacted both wayfair and XXXX to correct the inaccuracy and both blame it on each other and I am lost in the middle.

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 2024-05-20 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am filing this complaint against Santander Consumer USA for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : Santander Consumer USA placed a collection account on my credit report without providing the required validation information within five days of initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the debt and dispute its accuracy if necessary.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given a fair chance to dispute the validity of this collection account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). Without the proper validation notice, I am unable to exercise my right to challenge the debt 's legitimacy.

False, Misleading, and Deceptive Practices : By placing an unverified collection account on my report without proper disclosure, Santander Consumer USA is using tactics that could be considered false, misleading, misrepresentative, and deceptive. This practice violates my consumer rights.

Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) : The collection agency has no right to report the debt to a credit bureau without providing all legally required disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This action constitutes a clear violation of these regulations.

Disclosure of Non-Public Information ( 15 U.S.C. 6802 ) : If Santander Consumer USA is affiliated with the creditor of this alleged debt, they may have violated 15 U.S.C. 6802 by disclosing nonpublic personal information to a credit reporting agency without providing me with proper notice under section 6803 of this title. 


Santander Consumer USA has had many violations in the past for the same grotesque actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre XXXX hard inquiries which include Capitol One via dealer, XXXX XXXX XXXX, XXXX XXXX XXXX which were all authorized on XX/XX/XXXX - 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre XXXX hard inquiries which include XXXX XXXX via dealer, TD AUTO Finance, XXXX XXXX XXXX which were all authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
In XX/XX/2024 I received something from XXXX in regards to account that was with Jefferson Capital with the original creditor XXXX. I never took out a loan with them. 

I reached out to the credit bureau in regards to this matter in XXXX. As of XX/XX/2024 XXXX has removed this from my credit report as a fraudulent loan after they verified that is was not taken out by me. 

I have also moved in XXXX of 2024 and nothing has been received from XXXX. However, XXXX, XXXX and XXXX have already fixed this issue regarding this account and another account with Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I looked up my credit report and I see I have XXXX hard inquirys that I have never in my life sign up for XX/XX/year> somebody tried to get a Citibank, best buy credit card in my name and a XXXXXXXX XXXX XXXX in my name XX/XX/year> as well witch I have never made in my life somebody use my information to try to scam to get them cards and now I have to hard inquiry pulls .this is fraud I am trying to get these XXXX hard inquirys removed of my credit please.

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 2024-05-20 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 checked my credit report and saw accounts reporting that i do not recognize.

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 2024-05-20 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i do not recognize.

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 2024-05-20 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: LEXISNEXIS
State: GA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, This BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I most unfortunately entered into a Debt Consolidation with XXXX XXXX Solutions They did not disclose how detrimental this would be to my credit report with negative reporting 14 months later! 
XXXX XXXX XXXX acct was reported at the start, It went to XXXX & XXXX for settlement. The account was being paid for XXXX months when XXXX reported the Same debt to my report XX/XX/XXXX After the debt went into default and WAS being paid. 
Now XXXX took the account back from XXXX XX/XX/XXXX this past Friday XXXX XXXX because I was complaining about what had happened. 

My XXXX XXXX went down XXXX More points over an account that had Already hit my report. I am suffering twice the hits for the same debt! And I was paying throughXX/XX/XXXX. Both XXXX and XXXX refuse to fix this obvious detrimental mistake to my credit report. 
Lastly, XX/XX/XXXXXXXX totally misrepresents what and how they do things with their Oral Pitch, but even their contract does not state your accounts will go into collections and appear on your credit report. 
I naively thought the opposite as I had a good credit rating when I made a decision based on false claims. They said my credit report would start correcting itself after XXXX months.. my XXXX XXXX is now XXXX XX/XX/XXXX months after paying {$3600.00} to XX/XX/XXXX. 
They are devastating my credit without care or any inclination to fix the fact this was reported Twice! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-20 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: OR

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-20 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:
Please delete this tradeline off my credit report! 
This account was closed and does not belong to me! My mother took me off as authorized user. 

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

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 2024-05-20 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: TX

Complaint narrative:
XXXX and Equifax are reporting inaccurate information for account XXXX XXXX XXXX. This account was deemed a loss in 2018 and went into collections. Debt in the state of Texas is only collectible for 4 years. This balance should be reporting as {$0.00}, but it is not. Furthermore, the date last active does is not consistent between all 3 bureaus : XXXX reports XX/XX/2018 while Equifax reports XX/XX/2018. The payment history is also inconsistent with Equifax reporting 'OK ' while XXXX reports 'CO '. This is clearly misinformation and negligence. I will attach my credit report showing the inaccurate dates for the payment status as well. How does this meet FCRA regulations? I am requesting that all business and transaction documents to prove that this account was legally verified. In the meantime, cease reporting of this account due to the misleading and misinformation failing to comply to 15 USC 1681. XXXXXXXX XXXX is to send all documentation via CFPB, not mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I do not have a record of doing business with these companies. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-20 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-20 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: TX

Complaint narrative:
Experian and XXXX are reporting inaccurate information for account XXXX XXXX XXXX. This account was deemed a loss in 2018 and went into collections. Debt in the state of Texas is only collectible for 4 years. This balance should be reporting as {$0.00}, but it is not. Furthermore, the date last active does is not consistent between all 3 bureaus : Experian reports XX/XX/2018 while XXXX reports XX/XX/2018. The payment history is also inconsistent with XXXX reporting 'OK ' while Experian reports 'CO '. This is clearly misinformation and negligence. I will attach my credit report showing the inaccurate dates for the payment status as well. How does this meet FCRA regulations? I am requesting that all business and transaction documents to prove that this account was legally verified. In the meantime, cease reporting of this account due to the misleading and misinformation failing to comply to 15 USC 1681. XXXXXXXX XXXX  is to send all documentation via CFPB, not mail.

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 2024-05-20 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:
I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: WI

Complaint narrative:
Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
2022 Debt was paid in full XXXX XXXX ( Security Card Service ) I have a balance listed under collections on my credit report

Company response to consumer: Closed with explanation