vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
the company continues to violate customer laws 15b US 1666B.

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 2023-02-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have sent letters to the credit bureau and have not heard back or received a response for over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Management Solutions LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/2023 from XXXX XXXX XXXX, XXXX. It stated I owe a debt of {$5000.00}. This puts XXXX XXXX XXXX, XXXX in violation the Fair Debt Collection Practices Act ( FDCPA ). I do not owe this debt. 

The Fair Debt Collection Practices Act ( FDCPA ) states debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including : * The amount owed * That the person is an attorney if they are not * False threats to have you arrested * Threats to do things that can not legally be done * Threats to do things that the debt collector has no intention of doing '' XXXX XXXX XXXX, XXXX is in direct violation of the FDCPA since I do not owe this debt. They are attempting to collect a debt from a brokerage firm. I have never had an account with this firm. Even if I did have an account with the alleged firm, the customer agreement states all disputes go to arbitration and both parties waive their right to sue in court ( attached ). This is a debt I do not owe, is uncollectible, and XXXX XXXX XXXX, XXXX is making threats that legally can not be done and they don't have intent on doing. 

An additional violation of the FDCPA, on XX/XX/2023, I mailed a certified mail letter to dispute these claims to their address at XXXX XXXX XXXX as stated in the letter received on XX/XX/2023. This is well within the 30 day dispute window. However, XXXX XXXX XXXX, XXXX has refused to sign my certified mail letter after XXXX attempted deliveries so I have NOT been afforded my rights under the Fair Debt Collection Practices Act ( FDCPA ) to officially dispute this debt. 

Tracking Number for Certified Mail Letter to Dispute Debt XXXX XXXX Number : XXXX I am seeking the following : * XXXX XXXX XXXX, LLC to immediately stop all collection efforts * Provide written proof of stopping all collection efforts Any continued pursuit of this debt not owed will be met by swift legal action to get it disassociated from my name. All necessary debt regulatory bodies will be notified and multiple complaints will be filed until collection efforts are ceased and proof is provided in writing. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AR

Complaint narrative:
Discover card was deceptive on their terms concerning a credit card I opened with them in XXXX of 2022. They gave me a credit limit of {$2000.00} which I have been using over the last 9 months. They froze my account suddenly and requested form XXXX to be able to look at my tax returns. There is no fraud on the account and I am current on it. I contacted them and was informed that this was standard protocol now for them. The email that they send out about this also looks like a deceptive phishing email from a XXXX party. This all seems highly invasive for a small credit limit. This is a huge invasion of privacy after the fact, as they did not request this upfront before extending credit. There was no mention of it. Tax transcripts are an excessive request and had they requested them before extending me credit that I used, I would not have decided to do business with them. I simply would not have trusted them to keep that information safe as do state in there user agreement that they sell data. Also, I file my taxes jointly with my wife. Asking my wife to provide her sensitive financial information for me to keep the account is not a reasonable request. She is not financially or legally obligated to comply. They will close my account if I do not fill out the form, thereby negatively affecting my credit and finances. This is a very deceptive business practice. I would not have opened an account with them had they asked for this info before approving me. Asking for tax transcripts 9 months after you have opened an account and threatening to harm your credit, is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax. please delete an remove all inaccurate data that is hindering my file. asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquiry on my report that I never authorized, I have not signed or applied to that creditor who posted hard inquiry on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. I have called to Equifax for this matter and they claimed that they didn't receive my complaint. Moreover they been saying that I have to dispute this item directly with Creditor. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record. The credit reporting agency has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX XX/XX/2022 this item above should be removed from my report immediately. Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC repo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have 3 months of outstanding payments with a Citibank Credit Card. They've been calling me at least 4 times/daily. I haven't answered the calls since I'm not in the financial situation to arrange any payment plans. Their repeated calls are a harassment.

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Valley Bank called after hours and demanded payment. I attempted to explain that I can not afford to pay its high interest rates and that it is charging me a late fee for each and every month of a running balance. 

I said either they lower the interest rate or I shall be forced to declare bankruptcy!

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 2023-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/2023 @ XXXX, I spoke to XXXX and he stated that the car resold at the XXXX XXXX for a little on XXXX XXXX dollars. I requested the original contract, payment history and proof of payment ( mines and when the car was sold at the auction ). I also emailed the request on XX/XX/2023. 

I made a phone today ( XX/XX/2023 ) and spoke to XXXX with the " legal department ''. He stated that an automatic email was sent to me on the XXXX of XXXX stating to call them. Which i did not receive. I asked him could he send me a screenshot of just the date and time that he see of the email that was sent to me and he refused. 

Since I requested this information on XX/XX/2023, I have not received any phone call, text message, email, nor mail about this account since my request and now it violates my rights since it have been over 30 days.

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 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
XX/XX/2023 at XXXX I spoke with customer rep from sunrise credit service- XXXX XXXX XXXX in regards to a collection for {$14000.00} on my credit report that is not mine and is fraud. Someone has stole my Information and is using it. The sunrise credit service told me that a address from XXXX XXXXXXXX has used my information. Sunrise credit service Rep is sending fraud papers to me to fill out and send back for further investigation for fraud. I have disputed and froze all line of credit from XXXX, XXXX and XXXX. I'm getting a police report done today as well.

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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the 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 2023-02-10 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: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # 40 And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: IN

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ 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 XXXXXXXX ] [ Dates of fraudulent transaction XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ] Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, 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 2023-02-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has yet to fix their issues on my consumer credit report. They also have yet to deal with their violations. See attached for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against PayPal Credit as they closed by account in either XXXX of XX/XX/XXXX without notifying me after I had gotten behind on one or two payments which I had made arrangements with PayPal Credit to pay and I had kept my arrangement. They made me think my account was still open, but they had actually closed it without my knowledge in either XXXX or XXXX as I wrote. 

To my surprise I found out that they were still charging me late fees and interest each month including in this month of XX/XX/XXXX with late fees of XXXX each month since they closed it in XXXX which I thought was not legal and I need clarification on this because from my conversation 's with other 's in the industry I have been informed that banks or credit cards do not continue to charge late fee 's and interest once an account has been closed. 

It seems as if this is being done in order to hurt me or being doing with malice and without any consideration to a customers problems whose business they sought. I informed them that I had to temporally stop working to help with a family that is over 100 years of age, but they do not care and continue to add these amount 's to my account although they closed the account. I therefore feel they are being very unreasonable and again doing something that I did not think was legal. 

When my account was closed I was over my credit limit by about XXXX. Now they have me owing almost XXXX when my credit limit was just XXXX. I have tried in good faith to ask them to stop charing late fees when my account is closed and stop adding interest to this account but they refuse to do so. Therefore I am seeking your assistance with this issue.

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