vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
I am filing a formal complaint against Santander Consumer USA for violating my consumer rights under federal and New Jersey state laws. Santander Consumer USA failed to provide me with the opportunity to opt out before sharing my personal financial information with third parties, including financial institutions and consumer reporting agencies. This action violates my rights under the federal Gramm-Leach-Bliley Act ( GLBA ) and conflicts with the protections afforded by the New Jersey Consumer Fraud Act ( NJCFA ) and the New Jersey Identity Theft Prevention Act. 

On XX/XX/year>, I sent Santander Consumer USA a formal opt-out notice, clearly stating that I did not consent to the sharing of my private information. Despite my explicit instructions, Santander claimed their Privacy Policy and Privacy Notice permitted such actions. However, this policy contradicts the GLBAs requirements and New Jersey laws, particularly the Identity Theft Prevention Act, which enforces strict safeguards for personal information. 

Sharing my financial data without consent constitutes identity theft under 15 USC 1681a ( q ) ( 3 ), as it involves the unauthorized use of my identifying information. This practice is actionable under both federal law and the New Jersey Identity Theft Prevention Act. Furthermore, New Jersey law voids any contracts or policies that facilitate fraud, intentional harm, or legal violations, making Santanders actions legally indefensible.

I request immediate action to address these violations, ensure compliance with applicable laws, and prevent further unauthorized disclosures of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified discrepancies in my credit report across XXXX, XXXX, and TransUnion, as detailed in the attached documents. 

Discrepancies Found : Payment History : Inconsistencies in reported on-time payments and late payment records across the three major credit bureaus, which misrepresent my payment behavior.

Account Status : Variations in how the account status is represented, which impacts my creditworthiness.

Relevant Legal References : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to reinvestigate disputed information and correct or remove inaccuracies within 30 days.

Section 623 ( 15 U.S.C. 1681s-2 ) requires information providers to maintain the accuracy of reported data and promptly correct any identified inaccuracies.

Requested Resolution : Conduct a thorough investigation of the disputed account.

Correct or remove the inaccurate information from my credit report.

Provide me with an updated credit report reflecting the corrections made.

Enclosed are copies of my credit reports from XXXX, XXXX, and TransUnion that highlight the discrepancies, along with any supporting documentation relevant to this account. 

Thank you for your prompt attention to this matter. Please inform me in writing of your findings and any actions taken.

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 2024-11-15 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-15 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: DE

Complaint narrative:
The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are sharing my information to third party companie
s without my consent which is affecting my credit score in negative ways by reducing my score.

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 2024-11-15 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: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed Immediately. 

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

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 2024-11-15 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: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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

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 2024-11-15 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-15 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: MI

Complaint narrative:
XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX data XX/XX/XXXX, XXXX  on XX/XX/XXXX, and XXXX rental car. These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile. 

Identity theft credit accounts XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Opened date XX/XX/XXXX XXXX XXXX XXXX Bank XXXX Date opened : XX/XX/XXXXXXXX XXXX  Date opened : XX/XX/XXXX XXXX XXXX XXXX Inquires XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had a Home Depot credit through Citi bank. I had XXXX $ and one day I woke up they charged me over XXXX XXXXnterest on XXXX. I have stopped paying on them. They have been lowering my credit line at castoo credit line every time I pay more

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 2024-11-15 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: Capio Partners, LLC
State: MD

Complaint narrative:
On XX/XX/year> I noticed a collections from " Capio Partners '' in the amount of {$1000.00} that was apparently opened on XXXX. I have no knowledge of this, I do not know who this is, and I should not have any accounts in collections. I am suspecting this is an error or a fraud and I would like this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I used a XXXX XXXX account to receive my checks from a XXXX company I was doing contract work for between XXXX. After I stopped working for this company my account became inactive and within XXXX days they closed my account ( XX/XX/year> ) I had a balance of {$1900.00} in the account at the time it was closed. There was a transaction, the last on my account that had the description " System generated transaction to set XXXX balance for XXXX XXXX  '' and I never saw that money afterwards. 

It's been a little over a year, and despite many phone calls and chats, with promises to send the money in the form of a check or my last few statements I have received nothing.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified discrepancies in my credit report across XXXX, Equifax, and XXXX, as detailed in the attached documents. 

Discrepancies Found : Payment History : Inconsistencies in reported on-time payments and late payment records across the three major credit bureaus, which misrepresent my payment behavior.

Account Status : Variations in how the account status is represented, which impacts my creditworthiness.

Relevant Legal References : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to reinvestigate disputed information and correct or remove inaccuracies within 30 days.

Section 623 ( 15 U.S.C. 1681s-2 ) requires information providers to maintain the accuracy of reported data and promptly correct any identified inaccuracies.

Requested Resolution : Conduct a thorough investigation of the disputed account.

Correct or remove the inaccurate information from my credit report.

Provide me with an updated credit report reflecting the corrections made.

Enclosed are copies of my credit reports from XXXX, Equifax, and XXXX that highlight the discrepancies, along with any supporting documentation relevant to this account. 

Thank you for your prompt attention to this matter. Please inform me in writing of your findings and any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified discrepancies in my credit report across Experian, XXXX, and XXXX, as detailed in the attached documents. 

Discrepancies Found : Payment History : Inconsistencies in reported on-time payments and late payment records across the three major credit bureaus, which misrepresent my payment behavior.

Account Status : Variations in how the account status is represented, which impacts my creditworthiness.

Relevant Legal References : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to reinvestigate disputed information and correct or remove inaccuracies within 30 days.

Section 623 ( 15 U.S.C. 1681s-2 ) requires information providers to maintain the accuracy of reported data and promptly correct any identified inaccuracies.

Requested Resolution : Conduct a thorough investigation of the disputed account.

Correct or remove the inaccurate information from my credit report.

Provide me with an updated credit report reflecting the corrections made.

Enclosed are copies of my credit reports from Experian, XXXX, and XXXX that highlight the discrepancies, along with any supporting documentation relevant to this account. 

Thank you for your prompt attention to this matter. Please inform me in writing of your findings and any actions taken.

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 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I just keep blocking them or hanging up or not answering

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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