vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
PURSUANT TO TITLE 15 U.S.C 1666d TREATMENT OF CREDIT BALANCE IN EXCESS OF {$1.00} IS CREATED IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION THROUGH TRANSMITTAL OF FUNDS TO A CREDITOR IN EXCESS OF THE TOTAL BALANCE DUE ON AN ACCOUNT, XXXX. REBATES OF UNEARNED FINANCE CHARGES OR INSURANCE PREMIUMS OR ( XXXX ) AMOUNTS OTHERWISE OWED TO OR HELD FOR THE BENEFIT OF AN OBLIGOR, THE CREDIT SHALL ( A ) CREDIT THE AMOUNT OF THE CREDIT BALANCE TO THE CONSUMERS ACCOUNT ; ( B ) REFUND ANY PART OF THE AMOUNT OF THE REMAINING CREDIT BALANCE UPON REQUEST OF THE CONSUMER ; AND ( C ) MAKE A GOOD FAITH EFFORT TO REFUND TO THE CONSUMER BY CASH, CHECK OR MONEY ORDER ANY PART OF THE AMOUNT OF THE CREDIT BALANCE REMAINING IN THE ACCOUNT FOR MORE THAN SIX MONTHS EXCEPT THAT NO FURTHER ACTION IS REQUIRED IN ANY CASE IN WHICH THE CONSUMERS CURRENT LOCATION IS NOT KNOWN BY THE CREDITOR AND CAN NOT BE TRACED THROUGH THE CONSUMERS LAST KNOWN ADDRESS OR TELEPHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need these collections account removed under 15.U.S.C.1692C. 

I demand the following accounts be verified or removed immediately. 

XXXX. XXXX  ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX NUMBER : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2025-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
XXXX, per CFPB report he submitted, listed the times I contacted ACSI, and I believe willfully omitted that our last call I asked them to delete the report because it was a medical bill that met the criteria per CFPB to be deleted. I was transferred to multiple numbers and then told that someone would contact me. ACSI did not contact me. According to ACSI they are collecting for XXXX XXXX and XXXX. XXXX  stands for XXXX XXXX XXXX. The bill is attached below where I am listed as a patient. Also, I would like to question the validity of there right to collect the debt. XXXX XXXX and XXXX has contacted me about the debt and instructed me on how to pay them directly. THESE ARE THE QUESTIONS I WANT ANSWERED AND NOT ERICS/ACSIs ATTEMPT TO AVOID THE ACTUAL QUESTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need this collections account removed under 15.U.S.C.1692C. 

I demand the following accounts be verified or removed immediately. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
Company name XXXX & XXXX whom I never heard of saying I owe them money. I never had account with this company and did not authorize them to share my information They falsely put this on my credit reports, delete now Not mine

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 2025-03-29 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: SC

Complaint narrative:
Company name XXXX & XXXX whom I never heard of saying I owe them money. I never had account with this company and did not authorize them to share my information They falsely put this on my credit reports, delete now Not mine

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 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On or about XX/XX/year>, I was adversely affected by a false, misleading or deceptive act or unconscionable action on the part of the Negligence Finance Manager Finance Manager XXXX XXXX XXXX, Sales Personnel XXXX XXXX and Sales person ( Unknown ), the original creditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE # : ( XXXX ) XXXX, DEALER # : XXXX original creditor had a duty of care to disclose material facts. The original creditor failed to disclose that the consumer had a right to rescind, failed in the requirements to deliver two ( 2 ) copies of the right to rescind to each consumer entitled to rescind, therefoe the consumers were not adequately informed about there rights un the regulation. that breach caused the injury and harm or loss under the FTC and The Deceptive Trade Practices Act attaches derivative liability with the actual sales transaction with a deceptive act related to financing the transaction and assignee XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone # : ( XXXX ) XXXX as that such assignee of commercial paper could be held liable for seller misconduct under 16 C.F.R. 433.2 jointly. On or about XX/XX/year> the original creditor XXXX XXXX XXXX XXXX assigned the consumer credit transaction to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone # : ( XXXX ) XXXX. I immediately disputed the validity on the consumer credit transaction. On or about XX/XX/year> I send a Notice Of Right of Rescission to the original creditor XXXX of XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  PHONE # : ( XXXX ) XXXXXXXX XXXX  # : XXXX and the third party assignee XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Phone # : ( XXXX ) XXXX as that such assignee of commercial paper could be held liable for seller misconduct under 16 C.F.R. 433.2 jointly. XXXX XXXX XXXX is continuedly opening accounts fraudulently or reporting false information, which is illegal under the XXXX. XXXX XXXX has shared my consumer 's privatize information with a third party without my written consent and possibly compromised my email Address and SSN on the Dark Web. XXXX XXXX XXXX shared my consumer 's private information with a third party Towing Company, Asset Resolutions, XXXX XXXX XXXX, XXXX XXXX XXXX without prior written consent 15 U.S.C. 6801 et. seq. The tow truck driver came to my home address, called my wife and I multiple times until I came outside. The tow truck drive made false statements that he had a court order and threaten me with harm. The tow trucker caused such a disturbance that I had to call the XXXX Police Department on XX/XX/year>, XXXX XXXX Case # : XXXX. The Consumer Financial Protection Bureau ( CFPB ) has enforcement authority over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have gotten credit checks through XXXXXXXX XXXX XXXX XXXX do have a account with them but haven't tried to get a new loan they didn't know what to tell me I just got a message from capital one about one I also have got car dealerships showing up know one seems to be able to tell me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-29 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX i noticed multiple inaccuracies on my credit report. The accounts listed are identity theft and were not by me, i didnt make this charge. Please remove immediately to correct my file. Thank you!

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 2025-03-29 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
First Advantage, Consumer Disclosure Center XXXX XXXX XXXX XXXX, GA XXXX XXXX : The company above illegally and falsely used my personal information under the Federal Fair Credit Reporting Act and state law, and back ground check on XX/XX/XXXX. First advantage has done this several times with my information illegally and on purpose First advantage consumer disclosure center :. Has been trying to destroy my life, I would like a lawsuit to be filed against first advantage consumer disclosure center : after this complaint. I will be filing a grievance at the company and notifying them of my next actions as well. they have violated the fair credit reporting at law several times. My number is XXXX. 

XXXXXXXX XXXX XXXXXXXX last case was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need these collections account removed under 15.U.S.C.1692C. 

I demand the following accounts be verified or removed immediately. 

1. XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need these collections account removed under 15.U.S.C.1692C. 

I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX AUTO ACCOUNT NUMBER : XXXX XXXXXXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Request Debt Validation from Resurgent Capital Services and they were not able to provide validation. I requested debt validation starting in XXXX of XXXX I am currently still requesting proper documentation for debt validation and they have not been able to provide it for over 30 days. I have proof and documentation that all they sent was a bill which doesnt validate that I owe the debt. This company is in violation of the FCRA and continues to call me which is against the law while the debt is in dispute. The last phone call I received was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
Company name XXXX & XXXX whom I never heard of saying I owe them money. I never had account with this company and did not authorize them to share my information They falsely put this on my credit reports, delete now Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/year> received a letter from XXXX XXXX XXXX on behalf of The Fourm of XXXX XXXX that {$12000.00} was owed on an apartment we never occupied. We were told as long as they had 60 day notice if we changed our mind then they could rent the apartment. Later to find out The Forum was trying to collect double payment for the same apartment. The apartment had already been leased right after we informed them we would not be moving in. We then receive a letter stating that we owe {$4000.00} after they were confronted about fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Subject XXXX Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

The following accounts must be removed immediately : XXXX XXXX XXXX - Account ending in XXXX Date opened : XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My only legal name and address is. 
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