vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: 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.

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 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My father prior to his death in XX/XX/year> had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.

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 2024-06-02 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: MoneyLion Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Their being reported by 3rd parties.

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 2024-06-02 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: OneMain Finance Corporation
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
I have been trying to work with the original credit card company and asking to settle for only amount owed with no fees or to do a pay to delete. This company says they are working on their behalf so I asked about a pay to delete and have received no word. It appears the company has changed again as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: GREENSKY OPERATIONS, LLC
State: SC

Complaint narrative:
I applied for a line of credit through Greensky on XXXX XXXX. I was told by the merchant I applied through that the application was just an application and not me agreeing to the service and that the amount I applied for was not the amount being charged but the XXXX amount that I could receive for any services agreed to. I was notified by Greensky by email on XXXX XXXX that they paid out to the merchant. I informed them not to pay out as the work had not been completed and an amount had not been agreed on. Greensky informed me that there was nothing they could do and that they paid out to the merchant because I had authorized payment with them through a signed invoice that they received from the company in an amount totaling {$19.00}, XXXX. I informed Greensky several different times that I did not sign an invoice and I have been requesting a copy of said paperwork from Greensky since XX/XX/XXXX. After contacting the XXXX XXXX XXXX I received a emailed copy of the paperwork from Greensky that was used to authorize payment to the merchant. I again notified Greensky that I hadnt signed anything and that the invoice and paperwork they provided did not contain my name on any of the paperwork. They informed me that the could not and would not do anything about it. Greensky is directly violating the consent order entered in on XX/XX/XXXX which states in paragraph 74 section v Respondent and its officers, agents, servants, employees, and attomeys who have actual notice of this Consent Order, whether acting directly or indirectly, in connection with loan application, verification, activation, and transaction procedures, must take the following affirmative actions : v. Obtaining and retaining evidence of consumers ' approval of transactions before Respondent may disburse loan proceeds to a Merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
Dealing with loanDepot I was upfront with my problems. They were hiding what I needed to be done and didnt communicate well with me and its causing me more grief and heartache and aggravation and Im out {$600.00} and I want it rectified. Thank you, XXXX XXXX of North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year> someone fraudulently emptied my saving and checking account. I just happened to open my account and catch these unauthorized transactions from someone that was draining my savings account and putting the money in my checking account, then taking all the money. I was UNABLE to access anyone at SOFI for XXXX min- just the robo stuff. When I finally did, the XXXX XXXX instructed me to a page where i WAS ABLE TO STOP XXXX TRANSACTION, but unable to stop the one that was already in pending status. 
I am furiously asking the CS rep what to do next, how is this possible, who can i call... etc. The answer was Someone from SOFI will be back to you in XXXX hours. No one right now. I assumed because of the time zone difference. 
Exactly XXXX week later, on a Monday, at approx the same time, as I was checking my account ( Still no one from Sofi contacted me ) because I had a large loan payment coming out, the Identical thing happened!. The money was drained from the XXXX account to the Checking account. And this time, the transactions could not be stopped! I NEVER heard ANYTHING from SOFI re : these occurrences until the 'past due loan dept '' called me and I yelled at them and said that you aren't able to help me retrieve my money but you want your money. That representative made out the XXXX report. I am XXXX XXXX XXXX. I told them that I have NO understanding how this occurred. But if you check all of my transactions for my entire life 's history, I have never had anything like this occur. I didn't know the perpetrators. I hadn't been late in a payment in 20 years. And why would would I drain my own account in the face of a {$1900.00} loan. 
I want my funds returned. I want the perpetrators caught and punished. I want a better streamlined SOFI system to handle these issues, not just pleasant, calm Customer service reps who are super friendly but totally useless- like people living in a silo 's unable to render real assistance. And when the Customer is told that someone will return your call, its not in XXXX hours, or XXXX business days-and they never do!. UNACCEPTABLE! 
The company has already responded to California BBB that I made the transactions and that this is not fraud and I will NOT retrieve my {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient reported late payments in 2017, which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: MI

Complaint narrative:
This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account. 



Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist. 



Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 



his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately. 



Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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:
On about XXXX the XXXX, I submitted and requested for a re-investigation of said accounts ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Upon the response, it was determined that these accounts have yet to be thoroughly re-investigate. I have reached out to the reporting company requesting the following ; " a description of the procedure used to determine the accuracy of the completeness of the information. '' This shall be provided to the comsumer by the agency including any business names, address, of the furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available. This was not carried out and I have yet to receive a response from the resorting company. This is also in accordance with 15 USC 1681I ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I have been trying to work with the original credit card company and asking to settle for only amount owed with no fees or to do a pay to delete. This company says they are working on their behalf so I asked about a pay to delete and have received no word. It appears the company has changed again as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX has been a nightmare for me and my family. She is unwilling to help me and does not do her job as a member of your team on my behalf! I was going to deposit a couple of XXXX dollars in b of a but not I will be closing my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'VE NOTICED UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT AND THESE ACCOUNTS HAS AFFECTED MY CREDIT SCORE NEGATIVELY. 

THE ACCOUNTS ARE THE FOLLOWING XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I was in a wreck and my lease was paid off in full by XXXX XXXX in XXXX. I was never late on a payment and my monthly payment status shows this with each credit bureau. Initially, the remark on the account said 'natural disaster ' and then it was updated to 'early termination/ insurance loss ' On XX/XX/year>. This remark has caused my FICO to drop roughly XXXX points. This language is erroneously interpreted as derogatory with XXXX. Because of this language, XXXX is showing that I have this account with a XXXX and XXXX days late payment and 96 % accounts paid as agreed instead of 100 %, as it should be. However, when going through the monthly payment history, there has never been a late payment. For a resolution, I would like the remark 'early termination/insurance loss ' removed from this account or I would like the account totally removed from my credit history from each major credit bureau, XXXX XXXX its false and negative impact its having on my XXXX credit scores. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: SC

Complaint narrative:
I applied for a line of credit through XXXX on XXXX XXXX. I was told by the merchant I applied through that the application was just an application and not me agreeing to the service and that the amount I applied for was not the amount being charged but the max amount that I could receive for any services agreed to. I was notified by XXXX by email on XXXX XXXX that they paid out to the merchant. I informed them not to pay out as the work had not been completed and an amount had not been agreed on. XXXX informed me that there was nothing they could do and that they paid out to the merchant because I had authorized payment with them through a signed invoice that they received from the company in an amount totaling {$19.00}, XXXX. I informed XXXX several different times that I did not sign an invoice and I have been requesting a copy of said paperwork from XXXX since XX/XX/XXXX. After contacting XXXX XXXXXXXX XXXX XXXX I received a emailed copy of the paperwork from XXXX that was used to authorize payment to the merchant. I again notified XXXX that I hadnt signed anything and that the invoice and paperwork they provided did not contain my name on any of the paperwork. They informed me that the could not and would not do anything about it. XXXX is directly violating the consent order entered in on XX/XX/XXXX which states in paragraph 74 section v Respondent and its officers, agents, servants, employees, and attomeys who have actual notice of this Consent Order, whether acting directly or indirectly, in connection with loan application, verification, activation, and transaction procedures, must take the following affirmative actions : v. Obtaining and retaining evidence of consumers ' approval of transactions before Respondent may disburse loan proceeds to a Merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This is an account that was paid AS AGREED on time. I was never late. Billing error And I reached out to the institution to disputed. Please update all billing because this is a violation of the FCRA violation, please update to 100 % paid on time! This is substantially, giving me fear and extending my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-02 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thanks

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