vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: TX

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX AND XXXX  XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  AND XXXX XXXX  XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX {$760.00} XXXX/XXXX  XXXX {$2300.00} XXXXXXXX XXXX XXXX {$2200.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX 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 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc
State: NM

Complaint narrative:
my mother is elderly and she got quite a few knocks on the door for " workers '' that came in and fix the plumbing. then they wanted payment or they will go to : court '' so she paid them as this is her residence, which has been since XXXX. 
Then several cars driving by slowed down and stopped and went by like if they were - according going to do someting, and there were some bystanders outside that were not her neighbors .... She has been there for over 14 years and those were unkonwn and lots of them. I assuredis a safe neighborhood but investigated the footage on the alarm company and indeed there was a lot a lot of traffic. 
Then she was directed to a site where a person wanted cash in XXXX hours or else he was gongt to do something. 
I view the emails, and it is a california person that said wass associated with a collection company but then emailed my other a demand for cash along with an interrogatory to sign via docusign that same day. I do not know the extent of the financial information or non public private information this subject extracted form my mother, but it seemed so suspicious because he di dnot want to anwer any questions mom asked via email and then he " withdrew the -puestionnaire- he sent for docusing signing '' She was ill due to covid and in the middle of some very confusing people that are harassing her and the attorney that she knew XXXX XXXX XXXX XXXX not found in the title company that he worked, he moved apparently to first american title and then to fidelity title and my emails are being returned. I found hin on the NM XXXX XXXX XXXX website and tried to get a message to him as he and XXXX XXXX, were XXXX realtors in XXXX and attorneys that my mom said represented her in the purchase of the home in XXXX with the bank and the escrow company and they did also represent me in XXXX per the new mexico realtor forms that realtors use in relation to nm title laws and the land contracts that are written and sponsoored in XXXX. 
We do not know anything about this XXXX XXXX, he seems shady and from another state and demanding certified funds in XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern : It has been brought to my attention that { XXXX  } has listed { negative listing } on my XXXX and XXXX XXXX file. To my knowledge, I have never had account with { XXXX }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this XXXX  be permanently removed from my XXXX and XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification account. XXXX Account XXXX. 

XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Dispute of Closed Auto Loan Account Reporting by Santander Consumer USA on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to dispute the manner in which Santander Consumer USA has reported a closed auto loan account on my XXXX credit report. The account, opened on XX/XX/XXXX, with a remaining balance of {$0.00}, is incorrectly reported and negatively impacts my credit. 

The specific issues with Santander Consumer USA 's reporting are : 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) ** : No validation information for the alleged debt has been provided, yet it remains listed on my credit report. 

2. **Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : I have not been given an opportunity to dispute the account, a right under the Fair Debt Collection Practices Act ( FDCPA ). 

3. **Misleading and Deceptive Practices** : The agency 's reporting methods may violate consumer protection laws through misleading and deceptive practices. 

4. **Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ** : The agency may have furnished information to consumer reporting agencies without providing required disclosures. 

Furthermore, per XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), the reporting of closed accounts, especially those with a XXXX balance, should be accurate and non-misleading. The continued listing of this account as a collection is inaccurate and unjustified. 

In response to these issues, I am : - Disputing any and all debts related to this closed account. 
- Revoking all communication rights of Santander Consumer USA through email, text messages, or phone calls. 
- Requesting debt validation. 
- Requesting a copy of the purchase agreement between Santander Consumer USA and any involved collection agency. 
- Requesting proof that Santander Consumer USA and any involved collection agency are licensed and bonded as required. 

Additionally, I demand : - The immediate deletion of this closed account from my XXXX credit report. 
- A consequent increase in my credit score by XXXX in response to the removal of this erroneous entry. 

I urge the CFPB to investigate this matter and ensure all reporting is compliant with consumer protection laws. The incorrect reporting of this closed account has unfairly affected my credit score and financial health. 

Enclosed are relevant documents supporting my dispute. I seek correction of this error on my credit report and assurance of compliance with all applicable laws and regulations by Santander Consumer USA and involved collection agencies. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Debt was disputed and resolved around XXXX XXXX. This debt was removed from my credit report and the credit collection services confirmed that it was indeed removed on XX/XX/XXXX via phone call. Although the collection account was removed the CCS claim that it does not matter that it was resolved that way and that I will still need to pay them even though its not on my credit report. I reached out to XXXX  XX/XX/XXXX and they stated they would need information from CCS before removing the amount owed and then again, reached out to the CCS and they said they would need information from XXXX  before removing amount owed. So both companies are waiting to hear from each other about the debt being removed. Yet the CCS is aware it is no longer owed. When I disputed this debt in XXXX of XXXX and it was removed I never heard from XXXX  or the CCS until XX/XX/XXXX 6 months later saying I need to pay them. Its crazy how this debt is not on my credit report but I can be harassed to make a payment 6 months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: IL

Complaint narrative:
I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 
Account : XXXX XXXX XXXX Account Number : 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 2024-02-19 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: IN

Complaint narrative:
I'm unaware of this debt from XXXX  ive made multiple attempts to try to resolve this issue it has Been removed form XXXX after they took a look a the facts, but the other 2 are not complying with the laws put in place to protect consumers, and I also did not receive proper notification from XXXX. If they believe they have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. '' or please delete

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 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX i am id theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification dispute. 

XXXX Account # XXXX is old and is reporting 15 years on my credit report. 

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My XXXX loans are my business. My XXXX loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old XXXX Account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: 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 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights XXXX 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 2024-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: NJ

Complaint narrative:
I was issued a refund in the form of a XXXX debit card by XXXX, through a 3rd party card service generated and managed by North Lane, tethered to XXXXXXXX XXXX XXXX -- according to the paperwork received with the card. This service was sold to North Lane Technologies , Inc. 

North Lane was purchased by Onbe of XXXX, IL and takes no responsibility for the status of my refund. 

My refund is FDIC insured, according to the paperwork.

Company response to consumer: Closed with monetary relief