vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XXXX XXXX I mailed a check to GM Financial for my payment dure XX/XX/2024. On XXXX XXXX I received a notice from XXXX and account had been marked late. I immediately checked my XXXX XXXX bank statement and noticed the check had not been cashed. I went online immediately and made my payment. After payment I called XXXX and spoke to ID # XXXX and # XXXX and asked why we did not receive a phone call about the late payment. They both stated " Your numbers have been marked as disconnected, even the one you are calling from now so our system did not attempt to call. The lady with ID # XXXX said well thats unfair and transferred me to someone else by the name of XXXX. XXXX stated " well we notified you numerous times to both you and your cosigner email addresses. I then asked what email address they had on file and she said we don't have them on file. " I responded by saying how could you email us without email addresses on file. Her response was " well we sent them, have a nice day. '' I would like the delinquent 30 days removed immediately from my XXXX XXXX XXXX, and my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I recently reviewed my XXXX consumer profile and found a hard inquiry from a " non-account '' holding creditor named Santander Consumer on XX/XX/2023. I did not give permissable purpose thru verbal or signed written consent to view my consumer profile. This may be a case of predatory tactics used by some auto dealers without the consumers authorization. My biggest issue is Santander Consumer viewed my XXXX XXXX consumer profile while it is under a " Security Freeze '' and furnished data to my XXXX profile. XXXX XXXX violated my consumer privacy rights by allowing Santander Consumer to view my consumer profile as shown in the disclosure of data furnishers sent to me by Santander Consumer. I contacted the XXXX consumer reporting agency to dispute and delete the unauthorized hard inquiry but with no resolve from XXXX. This unauthorized inquiry is suppressing my ability to obtain credit and is affecting my mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-02-23 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: CA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaceurate. 
Delete the accounts below : 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 non-monetary relief
Consumer complaint received 2024-02-23 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: NV

Complaint narrative:
I have two hard inquiries on my credit account that I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: Go Capital Holdings, LLC
State: GA

Complaint narrative:
I recently reviewed my XXXX consumer profile and found an hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I've never given permissable purpose thru verbal or signed written authorization for this company to view my consumer profile. This may be a case of predatory tactics used by some auto dealers but without the consumers consent. I've never received any type of confirming denial or approval disclosure of any loan I allegedly applied for with this company. I sent a certified letter to dispute and requested proof of authorization for this inquiry with XXXX XXXX or resolve with a deletion of this inquiry from my XXXX consumer profile immediately. This unauthorized inquiry is suppressing my ability to obtain credit and is damaging my mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Changed from XXXX XXXX XXXX XXXX XXXX XXXX cancelled my XXXX XXXX. Received constant bills for XXXX that I owed XXXX on my bill. I tried calling and speaking to customer svs at XXXX and they said they can no longer talk about it as the debt was referered to a debt collection. I called the collection and they said I need proof I did not pay. I have no proof. They show a bill with no detail on service I used. I paid all my bills. I do not owe them any money. Constantly receiving XXXX debt collector calls and letters. It is messing up my perfect credit. If I owed I would pay but I do not owe. So long ago I have no records on this as I was paying online. I pulled a report from XXXX and see no negatives on me but when I apply for XXXXXXXX XXXX I was dissaproved. There decision was obtained from consumer agencies. XXXX is misinformation on my credit bureau that is not correct. I tried calling XXXX. XXXX XXXX and they advised me to contact my credit breau. I am lost on how to resolve this issue. Again, I do not owe XXXX to XXXX. Thank you in advance for your assistance.

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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
In XX/XX/2023, I was made aware of a collection account added to my credit report under the company Meridian Financial via XXXX XXXX. Upon looking up the account through XXXX XXXX I saw that the original creditor was XXXX XXXX. This is the company that my parents had purchased a timeshare through when I was a child. My mother and I have similar names and were even born in the same month, so I figured it was an error. There is no way this can be my delinquency since I was a child when my parents made this purchase. I have reached out to the company via phone and was informed they can not give me information by phone and had to submit a request in writing. In XXXX I sent out a certified letter and received the signature receipt, but was never given any reply or documentation. Again in XXXX, I sent out another certified letter and received a signature receipt but still was not given any information. I have tried to dispute it via XXXX XXXX and XXXX and it was denied each time, claiming the company says it is accurate. This is impossible. If it is under my social security then it is fraud and someone used my information without my consent, or the credit bureau got my mother and myself confused. I can not be on this debt. I was only a child and have never signed onto this account.

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 2024-02-23 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: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding erroneous information being reported to my credit profile by Jefferson Capital Systems , LLC. I believe that their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX, and I kindly request your assistance in resolving this issue. 

I have recently discovered that Jefferson Capital Systems , LLC, has reported inaccurate information regarding a debt on my credit report. According to the Fair Debt Collection Practices Act, debt collectors are required to provide consumers with validation of debts upon request. However, despite my numerous attempts to obtain validation of the debt in question, Jefferson Capital Systems , LLC, has failed to provide any documentation supporting their claim. 

Furthermore, the information being reported by Jefferson Capital Systems , LLC, is not only inaccurate but also damaging to my creditworthiness and financial standing. As a responsible consumer, I have always taken great care to manage my finances diligently and ensure that my credit report accurately reflects my financial history. However, the unjust and unsubstantiated reporting by Jefferson Capital Systems , LLC, has undermined my efforts and unfairly tarnished my credit profile. 

I have made multiple efforts to contact Jefferson Capital Systems , LLC, to request validation of the debt and to dispute the inaccurate information being reported to the credit bureaus. Unfortunately, my attempts to resolve this matter directly with the company have been met with indifference and disregard for my rights as a consumer. 

Therefore, I am seeking your intervention to address this issue and ensure that Jefferson Capital Systems , LLC, complies with the provisions outlined in the Fair Debt Collection Practices Act. I kindly request that you investigate the actions of Jefferson Capital Systems , LLC, and take appropriate measures to rectify the inaccurate reporting on my credit profile. 

Additionally, I urge you to enforce the provisions of the Fair Debt Collection Practices Act to protect consumers like myself from unjust and predatory practices by debt collectors. It is imperative that consumers are afforded their rights to fair treatment and accurate reporting under the law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
Dear Transunion, I am disputing an unauthorized and fraudulent inquiry on my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ).

I request a thorough investigation into these inquiries and copies of associated documentation with my signature as authorization. Without such proof, I demand the immediate removal of these inquiries. 

The inquiry is : Account Name - XXXX XXXX Date Opened- XX/XX/XXXX I never provided written consent for data or inquiries to be furnished to my consumer report. Provide documentation with my wet ink signature granting permissible purpose ; otherwise, this action constitutes identity theft and fraud, violating 12 CFR 1022.3. 

Your disclosure of my personal and financial information to nonaffiliated third parties without my consent violates the Privacy Act of 1974.

Pursuant to 15 USC 1681n and 15 USC 1681o, you have civil liability for each violation, totaling {$1000.00} per instance. XXXX, as a consumer reporting agency, must respect my privacy rights ( 15 USC 6801 ).

Per 15 USC 1681 section 604, XXXX lacks my consent to furnish information. 15 USC 6802 ( b ) ( c ) requires disclosure options, which were never provided. 

I've attached the FTC identity theft report, supporting the unauthorized nature of these inquiries. Under the FCRA, you have 30 days to complete this investigation ; failure to comply is a breach of obligations. 

I expect a prompt resolution. Please acknowledge receipt of this dispute letter. 

Sincerely, 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 2024-02-23 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I deposited 2 checks in my Santander bank account on XX/XX/2024. 
One check in the amount of {$4100.00} and one in the amount of {$3300.00}. 

The bank then proceeded to freeze my account and all monies in the account, including funds unrelated to the deposit. 

Ive called the bank multiple times, to get a statement *in writing* of what documentation I will need to provide in order to get the funds released, however they have refused to provide such information, instead giving me conflicting information each time Ive called .

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 2024-02-23 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: NJ

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 to any 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 2024-02-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2024-02-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. From my investigation these accounts listed do not belong to me.

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 2024-02-23 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 to any 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 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I asked to obtain a copy of the signed lease. The information was used without my knowledge. I was not given proof of the debt to send to an attorney to dispute or find out what steps I could take to remove the debt. I called mutiple days to ask for the information and no one replied.

Company response to consumer: Closed with explanation