vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

SANTANDER CONSUMER USA I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
This complaint is a follow up to Complaint XXXX. In its response letter, Barclays made the false statement that I had requested a fee waiver in my conversation with a customer service representative on XX/XX/2024. This is untrue and can be easily proven because Barclays has access to the recorded call. I would like Barclays to re-issue the response letter without the false statement since their misrepresentation negatively impacts my integrity as a customer. Barclays should also consider auditing their past response letters to CFPB complaints to assess if there is a pattern of false statements that may have caused undue and quantifiable customer harm.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX Credit Card customer service refused to correct a missed payment error reported to the Credit Bureau, even though clearly I have never gone more than 30 days making a payment. 

XXXX XXXX XXXX website consumer information regarding late payments, " a late payment shouldnt affect your credit score until its gone unpaid for at least 30 days, making your minimum payment before it goes 30 days past due can help prevent further problems. '' XXXX XXXX XXXX customer service would not acknowledge the due date of XXXX on the billing statement as the determination for 30 day late reporting, rather they said the billing cycle was the basis and refused to correct the error of missed payment reported to the credit bureau. 

https XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
There are a lot of charges and things on my credit report that I have nothing to do with and it is preventing me from moving forward in life. From bank statements to identity theft and I have no idea how to fix this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
The closing date is on XX/XX/2024, and I paid the XXXX  completely off on XX/XX/2024. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  XXXX of Inquiry XX/XX/year>, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX  Date of Inquiry XX/XX/year>

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXXXXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In regard of XXXX, EQUIFAX, and XXXX, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that XXXX, EQUIFAX, AND XXXX can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In regard of XXXX, XXXX, and TRANSUNION, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that XXXX, XXXX, AND TRANSUNION can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

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

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX XXXX {$33000.00} XX/XX/XXXXXXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$33000.00} XX/XX/XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX  XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

. DIVERSIFIED ADJUSTMENT ( Original Creditor : T MOBILE ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
In XX/XX/2023, I opened a new PayPal account under the XXXX XXXX for the express purposes of transferring USD to Kenyan Shillings while I was vacationing in XXXX. Almost immediately, PayPal suspended my ability to transfer funds. They then indicated that they would be holding my remaining funds ( {$50.00} USD ) for 180 days at which point they would provide instructions on how I could withdraw my funds. These instructions never came. Additionally, when I log into the above referenced PayPal account now, I see a message indicating the account has been permanently disabled and that I can not do any further business with PayPal on this account.

I do not have the ability to contact PayPals customer support team because there is no option to do so from within the account. Additionally, I do not have the option to add a bank account, debit or credit card to withdraw the remaining funds to. PayPal has essentially stolen my money and prevented me from contacting them to resolve, which is what led to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

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

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC  
ACCOUNT XXXX 
OPEN XXXX  
BALANCE XXXX UPDATED XXXX
ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 
PHONE NUMBER XXXX XXXX XXXX 

I AM REQUESTING THE VERIICATION OF NEGATIVE ITEM, IN PURSUIT TO THE FAIR DEBT COLLECTION PRACTIES ACT, 15USC 1692 SEC.809 (b). YOU ARE REQUIRED UNDER THE ABOVE NAMED TITLED AND SECTION, TO SHOW YOUR LAWFUL AUTHORITY TO COLLECT ON AN ALLEGED DEBT CLAIM; I AM REQUESTING THE FOLLOWING ITEMS:

- THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR 
-  A COPY OF THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE ORIGINAL CREDITOR 
- THE ORIGINAL APPLICATION FOR THIS ACCOUNT WITH MY SIGNATURE 
- A COPY OF THE AGREEMENT AUTHORIZING YOUR COMPANY TO COLLECTED ON THEIR BEHALF OF THE ORIGINAL CREDITOR 
- FULL DETAILED ACCOUNTING HISTORY ON THE ACCOUNT AND CALCULATIONS ON HOW THEY REACHED THAT AMOUNT OWE.
- PROVIDE VERIFICATION ON ANY JUDGEMENTS CONNECTED TO THIS ACCOUNT 
- PROVIDE YOUR LICENSE TO COLLECT IN MY STATE AND YOUR REGISTER AGENT NAME WITH THEIR ADDRESS 
- PLEASE SHOW PROOF THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED IN MY STATE FOR THIS ACCOUNT 
-PROVIDE THE DATE OF THE LAST PAYMENT ON THIS ACCOUNT. 

PLEASE PROVIDE THE ANSWER TO THIS REQUEST IN WRITING WITHIN 15 DAYS OR I WILL BE FORCE TO TAKE LEGAL ACTIONS

THANK YOU FOR YOUR COOPERATION 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I submitted a complaint on XX/XX/2024 about a late fee assesses with a Victoria Secret credit card. You resolved the issue by state g they would drop the late fee. Today I received a bill from them with the late fee plus an additional {$7.00} charge. My complaint number was XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
Received a notice in the mail from XXXX XXXX collect a debt owned by LWVD funding. Resurgent is the company handling the accounts owned by the debt collector. They gave my PII leading to invasion of privacy without my consent to a third party servicer ( XXXX XXXX ) when asked about this practice and more legal info I was told by XXXX to contact resurgent. When I contacted resurgent I was told I could submit a request in writing. I also had some dispute issues to address per state law and asked for a supervisor for an email to send supporting documentation for the issue. My request for transfer was denied. To get the debt addressed per my rights under the law these policies and practices seem unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

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

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Purchased XXXX end of XXXX  2023. XXXX indicated a finance packet would arrive shortly. 
By middle of XXXX, I contacted them and they said TD Autofinance now had the loan. 
They never contacted me. I contacted them on XXXX or XXXX times. My first payment was due XX/XX/XXXX with XXXX  day grace period. So I wouldnt be late I paid to overnight payment which they accepted XX/XX/XXXX. They still charged a {$42.00} late fee. I paid USPS to overnight payment. They failed miserably to invoice me. The first they contacted me was end of XXXX. I dont owe a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-03-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There are a lot of charges and things on my credit report that I have nothing to do with and it is preventing me from moving forward in life. From bank statements to identity theft and I have no idea how to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
There are a lot of charges and things on my credit report that I have nothing to do with and it is preventing me from moving forward in life. From bank statements to identity theft and I have no idea how to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

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

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: AZ

Complaint narrative:
The closing date is on XX/XX/2024, and I paid the HELOC completely off on XX/XX/2024. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!

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