vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Request and investigation to fix the fraudulent inaccurate accounts and information that's reporting on my credit report immediately with supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Request and investigation to fix the fraudulent inaccurate accounts and information that's reporting on my credit report immediately with supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: IL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Inquiries & Dates : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX & XX/XX/2023 XXXXXXXX XXXX XXXX  XX/XX/2023 Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Santander Consumer USAs promissory note and claim of ownership over my name XXXX XXXX XXXX. I command Santander Consumer USA with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Santander Consumer USAs debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Santander Consumer USA has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Truist had a computer glitch on XXXX with their cash reserve line of credit. It debited and credited repeatedly the amounts I have paid into the cash reserve. They took my account negative XXXX dollars. As of XXXX issue not fixed nor has account been adjusted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$510.00} Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-09-03 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: NY

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 XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve 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 2023-09-03 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir/Madam : This is an SCRA case. A Kohl 's representative told me that since I was faxing my military Orders, the late fee would be forgiven. Somehow this did not occur, and the original fee has now ballooned to {$100.00} strictly from additional penalties, and is being reported to credit bureaus. The fax number the representative gave me was ( XXXX ) XXXX, and that's what I used. I remember she half-snickered when I read the number back to her to confirm I had it right. I don't know if this signifies the number is fake. One might say this has the appearance of sabotage, maybe by someone who doesn't like the military, but I want to believe it is just an honest miscommunication / misunderstanding. I am certainly willing to email or fax my Orders to any other fax number that Kohl 's might prefer. I have not been able to find one online, which is why I had called Kohl 's customer service to obtain it. Thank You for your time and kind attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to lodge a formal complaint against Synchrony Bank for the unjustified closure of my Sams Club Card. My account was paid in full, was not delinquent, and I have maintained an excellent credit payment history. 

The bank stated the following reasons for closing my account : - Too Many Revolving Accounts With High Balance Compared to Credit Limit - Not Enough Balance Paid Down Over Time On Real Estate Secured Loans - Too Many Inquiries - Ratio of Non-Real Estate Loan Balances to Balances On Real Estate Secured Loans Is Too High These reasons are incorrect and unsubstantiated : 1. All my cards combined are using only 35 % of my total limit, far below any alarming ratio. The increased usage is due to attorney fees stemming from a recent divorce, a situation that shouldnt penalize me. 

2. I have had the same real estate loan for over 15 years and have never been late on a payment. This loan was in place at the time I was approved for my Sam 's Club Card. 

3. I have not initiated any new inquiries since the time my Sams Club Card was approved. 

I demand that Synchrony Bank provide evidence for each stated reason for the account closure. The action taken against me is unfair and takes undue advantage of my recent life changes, despite my continued ability to meet my financial obligations. 

I insist on the immediate reopening of my Sams Club Card account as the bank 's action is unjustified and not based on factual information. 

Please investigate this matter promptly and ensure that my consumer rights are protected. 

Thank you for your immediate 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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Request and investigation to fix the fraudulent inaccurate accounts and information that's reporting on my credit report immediately with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: Creditors Bureau Associates
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want to clarify that these inquiries were related to my efforts to secure credit for specific financial purposes, such as [ briefly explain the purpose, e.g., securing a mortgage, auto loan, or credit card ]. I assure you that these inquiries were necessary steps in my pursuit of responsible financial management and were not the result of excessive or frivolous credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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:
I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX XXXX XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the XXXX XXXX XXXX debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: EQUIFAX, INC.
State: NY

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 XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 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 2023-09-03 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: NY

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 XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 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 explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : CFPB Complaint - Urgent Correction Required in TransUnion 's Reporting Dear CFPB, I am filing a complaint against TransUnion regarding a persistent and egregious issue related to their incomplete tradeline reporting. Despite my diligent efforts to resolve this matter, TransUnion continues to inaccurately portray my credit history. 

The problem is crystal clear : while XXXX correctly reports all my tradelines, TransUnion, inexcusably, only acknowledges two : the XXXX XXXX tradeline and a closed XXXX XXXX account. This is a gross misrepresentation of my credit history. 

I have taken the initiative to contact my creditors directly, who have unequivocally stated that they are accurately reporting my credit information to all major credit bureaus. It is evident that TransUnion is solely responsible for this reporting discrepancy. 

To clarify the gravity of this situation, I am attaching my previous XXXX credit report, which comprehensively lists all my tradelines. TransUnion 's glaring omission of these critical tradelines is undermining the accuracy of my credit profile, impacting my ability to access fair credit opportunities. 

I demand an immediate resolution to this issue : Correct the Reporting : TransUnion must promptly update my credit report to include all missing tradelines, consistent with my XXXX report. 

Compensate for Harm : The inaccuracies in TransUnion 's reporting have harmed my financial standing. I request that TransUnion take steps to compensate for any damage caused, including potential interest rate adjustments or financial remedies as deemed appropriate by CFPB. 

Prevent Recurrence : CFPB should ensure that TransUnion implements robust internal controls to prevent future inaccuracies in credit reporting. 

I urge CFPB to take swift and decisive action to address this matter. Accurate credit reporting is not a luxury but a fundamental right for consumers, and it is crucial to protect this right vigorously. I expect CFPB to work diligently in holding TransUnion accountable for its actions and securing a resolution that reflects the seriousness of this issue. 

Should CFPB require further information or documentation from my end, please do not hesitate to contact me at XXXX or XXXX. Time is of the essence in rectifying this situation, and I anticipate a prompt response and resolution. 

Sincerely, 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