vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
On XX/XX/2024 Halstead financial did an unauthorized charge to my debit card ending in XXXX in the amount of {$120.00}. The agreement to pay back Halstead Financial did not include automatic payments from this debit card. There are no written agreements to charge this card for payments without my authorization.

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

Complaint narrative:
I have disputed the accounts shown in my attached spreadsheet multiple times with XXXX, XXXX, and Transunion, most recently through online dispute in XX/XX/2024 and then by mail XX/XX/2024. I requested proof of any late payments as well as verification of information on these accounts. I also requested that these erroneous accounts be deleted from my report if the errors were not fixed. I was never provided proof and the errors on my credit report were never fixed as a result of my disputes. Each of the XXXX credit bureaus claim that they have completed a reasonable investigation, but these accounts are still being reported inaccurately on my credit profile, which is hurting my credit and shows their improper investigation into all of these disputes -- if the information was in fact verified as they claim, it would not be being reported differently by each credit bureau. I do not understand why they claim to have completed an investigation, and yet different dates of last activity AND different payment history is being reported by each bureau for each of these accounts. I believe the different dates of last activity indicates the illegal re-aging of the dates last active. My rights are being violated under FCRA. These inaccuracies accounts are hurting my credit and defaming my character, violating 15 USC 1681. 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The discrepancies in the reported " date of last activity '' and payment history across different credit reports are inaccurate and violate FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 8 ). Additionally, the collection accounts shown one of the files I've attached are illegal -- the 2 collection agencies shown are not licensed to collect for my state ; I submitted proof of this to all XXXX credit bureaus when I disputed the accounts ( attached screenshot showing the states they are listed to collect for and Maine is not listed ). XXXX removed them, Transunion and XXXX refused to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: ME

Complaint narrative:
I have disputed the accounts shown in my attached spreadsheet multiple times with Experian, XXXX, and XXXX, most recently through online dispute in XX/XX/year> and then by mail XX/XX/year>. I requested proof of any late payments as well as verification of information on these accounts. I also requested that these erroneous accounts be deleted from my report if the errors were not fixed. I was never provided proof and the errors on my credit report were never fixed as a result of my disputes. Each of the XXXX credit bureaus claim that they have completed a reasonable investigation, but these accounts are still being reported inaccurately on my credit profile, which is hurting my credit and shows their improper investigation into all of these disputes -- if the information was in fact verified as they claim, it would not be being reported differently by each credit bureau. I do not understand why they claim to have completed an investigation, and yet different dates of last activity AND different payment history is being reported by each bureau for each of these accounts. I believe the different dates of last activity indicates the illegal re-aging of the dates last active. My rights are being violated under FCRA. These inaccuracies accounts are hurting my credit and defaming my character, violating 15 USC 1681. 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The discrepancies in the reported " date of last activity '' and payment history across different credit reports are inaccurate and violate FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 8 ). Additionally, the collection accounts shown one of the files I've attached are illegal -- the 2 collection agencies shown are not licensed to collect for my state ; I submitted proof of this to all XXXX credit bureaus when I disputed the accounts ( attached screenshot showing the states they are listed to collect for and Maine is not listed ). Experian removed them, XXXX and XXXX refused to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
LVNV Funding of course knows they are not licensed to collect debts in Maine, yet they are reporting debt I allegedly owe on my credit report, reporting 2 separate collection accounts. The account numbers being reported are XXXX and XXXX. I do not recognize this debt and it should not be reporting at all on my report. I have tried disputing this with the credit bureaus and provided proof that LVNV funding is not licensed to collect in my state ; XXXX has removed them, but XXXX and XXXX refused. Additionally, I never had a contract with them for any debt. This company practicing debt collection in states they are not licensed in that require debt collectors to be licensed ( which Maine does ) is unacceptable and illegal. I will attach a screenshot of which states they are licensed for that shows that Maine is not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Santander Consumer USA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Santander Consumer USA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Santander Consumer USA complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Santander Consumer USA. 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX This company above is attempting to collect a debt balance of {$1900.00} which is out of statue of limitation This is against the fair debt collection practices act I have requested for the original contract from the original creditor they are un able to provide the required information. This company also changing the open date from the time they bought this bad debt from the original creditor this is illegal tactics per fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Capital One Auto Finance regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Capital One Auto Finance that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Capital One Auto Finance has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Capital One Auto Finance complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Capital One Auto Finance. 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX our lender, XXXX XXXX XXXX XXXX, requested that we send {$38000.00} for an insurance escrow shortage. This was a legitimate request. We then wired the funds using the instructions that were provided to us. The funds were wired to Truist Bank on XX/XX/2024. When we asked if the lender received the funds, we were told that they did not. After looking into it further, it was found that the instructions sent to us were altered and were not sent by XXXX. This ended up being a fraudulent scam of some sort. When we contacted Truist about the fraudulent wire a representative of the branch it was sent to mentioned that the funds had already been taken out, sent somewhere in XXXX XXXX, and the account was closed. When this person was asked if the beneficiary on the account was XXXX XXXX XXXX XXXX, they stated that it was not. This financial institution did not do their due diligence and has failed to follow UCC 4A-207. Our financial institution, XXXX XXXX XXXX, has been diligently working to have this issue resolved but Truist has failed to provide any assistance. These funds should have never been accepted since the account number did not match the beneficiary 's name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently was notified by a creditor to verify that I applied for a car XX/XX/year> and I notified them that I am a victim of identity theft a few years ago and was involved in the XXXX XXXX breach so they should cancel the application because I did not apply for any products or accounts. 
I noticed on my credit report that 2 fraudulent accounts were on my credit report and a few fraudulent inquires were reporting so I contacted XXXX XXXX XXXX and XXXX XXXX of the fraudulent accounts they said that it was verified that I own the debt I have requested from both companies to provide me the application with my signature but was told I cant get any information on the alleged debt that I owe because some of the information doesnt match. 
Attached I will show how XXXX reporting the XXXX XXXX Credit Card as a Authorized User and TransUnion has me as Primary Individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A transfer was made to Wells Fargo account on XX/XX/year> from XXXX XXXX. During my last complaint I was advised that if funds are not available transactions would be returned. I agreed and this did not happen. I was charged 7 {$35.00} fees and my transfer did not make it to Wells Fargo until XX/XX/year>. It took 4 days for banks that transactions have continued to interact with also. I have asked Wells Fargo to remove XXXX, XXXX automatic transfers since asking both companies has resulted in both taking funds each month, and quickly I transfer them back. Any assistance would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
This creditor is reporting late payments on my credit report. The late payments are for XXXX of XXXX and XX/XX/XXXX. These are inaccurate.

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

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

*XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} *XXXX XXXX XXXX ( acct # XXXX ) Balance {$4400.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$490.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. 
Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, 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 2024-03-03 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: TX

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

*XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} *XXXX XXXX XXXX  ( acct # XXXX ) Balance {$4400.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$490.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief