vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries. 

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA. 

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing. 

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines. 

Thank you for your attention to this matter.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
View attached 2 files, JPMorgan illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of JPMORGAN make this company complicit in misbehavior. Needless to say very suspicious of this conviction with JPMorgan reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I have recently reviewed my credit report from XXXX and have identified discrepancies pertaining to late payments on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers. 
SANTANDER CONSUMER USA Account Number : XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) AND 15 U.S. Code 1681b, it is evident there may have been a violation of my consumer rights. The law explicitly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I must inquire whether I provided written instructions for the inclusions of these late payments. In my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

In light of this, I kindly request the removal of the aforementioned late payments from XX/XX/year> through XX/XX/year> from my consumer report, as they may be in violation of 15 USC 1681. I look forward to promptly attention to this matter and a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I never applied for XXXX  first progress, XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX  XXXX not mine opened XX/XX/XXXX. They all 3 show as inquiries and closed account In ever opened thses accounts nor did I apply for these accounte

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: ND

Complaint narrative:
The XXXX XXXX concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: ND

Complaint narrative:
The XXXX  XXXX  concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written 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 explanation
Consumer complaint received 2024-03-17 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: CT

Complaint narrative:
TRANSUNION HAS RECEIEVED AN FTC WITH INSTRUCTIONS TO DELETE THE ACCOUNTS REQUESTED AS FOR THE ACCOUNTS VIOLATE PROVISIONS PER 15 USC 6801 15 USC 6802 16 CFR 313.7 AND 15 USC 1681a ( 2 ) ( i ). TRANSUNION HAS NOT PROPERLY INVESTIGATED THESE ACCOUNTS PRIOR TO ALLOWING THEM ON MY CONSUMER REPORT BECAUSE TRANSUNION EXERCISE THEIR GRAVE DUTY MEETINGS REQUIREMENTS UNDER METRO2 TRANSUNION WOULD REALIZE THAT THESE ACCOUNTS ARE ADVERSE ACCOUNTS AND ARE COLLECTION ACCOUNTS SO NOW TRANSUNION IS NOT ONLY VIOLATING CONGRESS LAW 15 USC 1681a ( 2 ) ( i ) BUT 15 USC 1681e ( b ) FOR NOT HAVING ASSURED MAXIMUM ACCURACY AND NOT HAVING A SYSTEM IN PLACE THAT ASSURES MAXIMUM ACCURACY IN ACCORDANCE WITH METRO2 AND THE UNITED STATES CONGRESS LAW 15 USC 1681C ( 4 ) ( 5 ) WHERE CONGRESS SAYS NOT ADVERSE ACCOUNTS OR COLLECTION ACCOUNTS SHALL BE FURNISHED ON A CONSUMER REPORTS. TRANSUNION HAS COMMITTED VIOLATIONS AGAINAST THE UNITED STATES CONGRESS AND UNDER 15 USC 1681n IS LIABLE FOR STATUTORY DAMAGES FOR WILLFUL NEGLECT OF {$1000.00} PER VIOLATION AND I WILL PURSUE REMEDY AND USE THE FTC REPORT AND MY LAST COMPLAINT AND A COPY OF MY CONSUMER REPORT AS EXHIBIT PROOF OF VIOLATION FOR STATUTORY DAMAGES VIOLATIONS. NOTICE IT IS FACT PER INTERNAL REVENUE SERVICE POINT 431 CHARGED OFF DEBT IS INCOME AND INCOME DOES NOT BELONG ON A CONSUMER REPORT WHICH IS AN ERROR AND NOW A VIOLATION UNDER 15 USC 1681s-2 AND WILL BE FORCED TO FILE IRS FORM 3949a AGAINST TRANSUNION FOR AN IRS AUDIT .

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 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
I believe at XXXX XXXX in XXXX, Texas. I was unfairly denied credit. When I have enough money to pay the loan. My only outstanding debt is XXXX XXXX XXXX at $ XXXX. I do not have any other debt that adds to more than {$800.00}. There's no reason, I work XXXX jobs at XXXX $ - {$4000.00} a month. I don't qualify for a vehicle loan. And, I have an out of state license. It might be discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
I reviewed my consumer reports and noticed that I had two late payments on account that I was never late for. the consumer reporting agencies have assumed a virtal role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

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 2024-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines. 

Thank you for your attention to this matter.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
View attached 2 files, XXXX illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of XXXX make this company complicit in misbehavior. Needless to say very suspicious of this conviction with XXXX reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
View attached 2 files, XXXX illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of XXXX make this company complicit in misbehavior. Needless to say very suspicious of this conviction with XXXX reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
View attached 2 files, XXXX illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of XXXX make this company complicit in misbehavior. Needless to say very suspicious of this conviction with XXXX reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.

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 2024-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: WI

Complaint narrative:
This complaint is regarding the credit bureaus XXXXXXXX XXXX  and XXXX. 

They are reporting 3 charge offs which are Carmax finance XXXX for the amount of XXXX, XXXX XXXX XXXX for XXXX, and XXXX for XXXX. 

According to the IRS publication XXXX if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. I have never received my copy of my 1099-c so that I can file my taxes correctly. Income can not be reported on a credit report as a debt. 

This is also a violation of my privacy according to the privacy act of XXXX. I have been denied life insurance as well as car insurance due to the reporting of negative items from these bureaus. 

It is illegal to report transaction history. 

Per 15 usc 6802 a financial institution may not, directly or through any affiliate, disclose to any third party ( XXXX, XXXX, and XXXX ) any non public personal information, unless such financial institution provides or has provided to the consumer ( me ) a notice that complies with section 6803 of this title. I have not been provided with or given any credit bureau permission to disclose this information. 

According to 15 usc 6508 states that I have the option to opt out of any information being disclosed to the credit reporting agency ( third parties ) and I shall receive an opt out option every 30 days yet Ive never been given that option. 

According to the FCRA they need my written permission to report any of my personal information in which they were not given by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I was charged two amounts from Bright. One transaction for {$36.00} dollars. The second for {$10.00}. 
I wasn't aware that the charges were going to take place to begin with. No warning or notice. I immediately got in contact through their website and asked why and for a refund to my account. I was told that they take {$10.00} a month for 5 months to put into your credit builder. I informed them that the amount didn't add up to what was taken. I was told it would be received by them in 2-3 business days and then an immediate refund would be initiated and if receive the money back in an additional 2-3 days. I asked for a cancellation of any membership or programs that they may have enrolled me in and I thought I had it taken care of. Fast forward now, I have talked to multiple computer generated auto response bots but can't get anything more from them than the prompt they are expected to follow and to be honest each time I get a different timeline on my refund. It's never the same as before and I'm now being told to wait 2 to 3 more days because they only received XXXX dollars out of the XXXX but it was taken from my account. I have been told it could be 5 days until they get it and then an additional 2 to 3 days from there. I was told that my membership being cancelled means that they can't refund me. I'm supposed to rest assured as they say but I have the feeling I was scammed and the business is a fraud. I have screenshots of emails, conversations, etc and have sent them in chats but they are overlooked. Customer service is a zero out of zero and the business has nothing but bad reviews, many of them being related to my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account appearing on my credit report. The account in question has not reported the name on Equifax but it reports on XXXX XXXX XXXX XXXX XXXX but it reports the account number XXXX I have attached a copy of my credit report with the collection account. 

On XX/XX/2024, I contacted XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) regarding this collection account. Subsequently, on XX/XX/2024, I received a response from XXXX XXXX XXXX acknowledging my inquiry and stating that they were investigating the matter. However, since then, I have not received any further communication or updates regarding the investigation. 

According to the Fair Credit Reporting Act ( FCRA ), creditors have 30 days to investigate and respond to disputes initiated by consumers. It has now been over 30 days since XXXX XXXX XXXX acknowledged my dispute, yet I have not received any resolution or verification of the debt as required by law. 

Furthermore, I would like to bring to your attention the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. This statute mandates that debt collectors must provide consumers with certain information within five days of initial communication, including the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt. To date, I have not received any such communication from XXXX XXXX XXXX as required by law. 

Therefore, I am requesting that Equifax remove the disputed collection account from my credit report immediately due to the creditor 's violation of both the FCRA and the FDCPA. I expect a prompt investigation into this matter and a resolution within the legally mandated timeframe.

Company response to consumer: Closed with explanation