vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. I have never opened a line of credit with XXXX XXXX and a few other accounts listed on my credit report, like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and more. All of these accounts are a result of identity theft, and were not authorized or obtained by me. I have filed an FTC Report on the matter several times one time being XX/XX/year>. I have also mailed out dispute letters on the matter, but TransUnion has failed to recognize or take my letters, first letter i've received back, stated i was lacking personal identifying items such as social, ID and proof of address, yet i've provided all personal identifying information required. They also claimed that the letters did not seem to be from me, when indeed they are. TransUnion does not even want to recognize my letters.

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 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
SEE ATTACHED COMPLAINT I financed a vehicle through Santander Consumer USA on XX/XX/XXXX and filed a usury complaint with the OCCC 's office in XX/XX/XXXX. Santander responded to their office on XX/XX/XXXX ( attached ) agreeing to lower my interest rate to 10.01 %, which should've cut the {$21000.00} finance charge in half, as well as lower the total amount due under the contract. Prior to the interest rate reduction to 10.01 %, I paid Santander {$8900.00} and almost 100 % or {$8700.00} was applied only to interest, with only {$520.00} applied to principal in the first year and half. Santander has continually blamed me for their accounting errors, stating it's my fault the interest is so high because I've been late, had extensions, etc. I've explained to their executive office many times over there is a problem with the interest allocation to my account BEFORE AND AFTER the interest rate change and there's no calculation or explanation for them applying almost 100 % of all I paid in the first year and half to interest only. This is in addition to their erroneous application of the interest credit they told the OCCC 's office I would receive, which was also erroneously applied back to unpaid interest. My records indicate I've already paid Santander {$33000.00} plus another {$1300.00} that's unaccounted for and/or not reflected in my payment history at all. To date, Santander has applied {$19000.00} to interest, which is almost equal to the original finance charge at 20.61 %. Santander claims I still owe another $ XXXX on this loan and that I'm 86 days late and nearing repossession status, which is impossible at the 10.01 % rate. I believe my car is paid off or very close to but their executive office refuses to correct or adjust the account to give me an accurate amount still owed, if any. Santander has continually blamed me for the delinquent account status, refuses to acknowledge or correct the account or the credit reporting, regardless of the numerous requests I've made for a manual review of the account related to the interest rate change and allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i never inquired or gave any authorization to pull my credit report

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 2024-07-16 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: FL

Complaint narrative:
i never inquired or gave any authorization to pull my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i never inquired or gave any authorization to pull my credit report

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 2024-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I continuously receive past due notices from EdFinancial, even though I pay significant more than I am required to. I have set up autopay and it does not work. Even when payments are manually made, and the payment due is advanced, I still receive past due notices. I have sent EdFinancial multiple requests and demands to resolve this and they either do not respond, or state they find nothing and immediately close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have check my credit report and I have tried to call these companies to get these inquiries off of my credit report. I did not authorize these inquiries. 

XXXX XX/XX/XXXX inquiry date XXXXXXXX XXXX  XX/XX/XXXX inquiry date XXXX XXXX I XXXXXX/XX/XXXX inquiry date

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 2024-07-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. I would like to bring to your attention that XXXX has already reviewed and removed the inquiries that I initially disputed with them. Therefore, I am requesting immediate action on your part to ensure that these unauthorized inquiries are also deleted from my credit report.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
With this fair resolution, I need tobe rest assured that in my credit report will accurately reflect my timely payment history as agreed upon. For matters related to the accuracy of credit reporting, including the updating of late payments due to inaccuracies, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. Therefore, if there are inaccuracies in the reporting of late payments, XXXX would typically rely on provisions within the FCRA to dispute and correct those inaccuracies with the credit reporting agencies and furnishers of the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. 

I have several accounts reporting on my credit report, that are a result of identity theft. I request more proof of how such accounts i've never opened, authorized, obtained or used are now resulting in a negative credit report, hence hindering my financial progress as well as applying & financing abilities. It is only fair to abide by the fair credit reporting act and thoroughly do an investigation on all accounts that are a result of identity theft. 

I have mailed dispute letters followed by an FTC report to your company In early XXXXXXXX XXXX XXXX of all unauthorized accounts that are a result of identity theft. Bureaus are failing to properly report and investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
The XXXX  store number XXXX in XXXX XXXX XXXX overcharged me on a XXXX diamond bracelet because I am an XXXX XXXX. I took the bracelet to the XXXX XXXX XXXX for a refund and was told the bracelet is only worth XXXX XXXXXXXX and that i was overcharged. That i must take it back to the 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 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
In XXXX my then husband and I bought our house with only his name on the loan. In XXXX we divorced and I assumed the loan in XXXX due to being awarded the home in our divorce. I was able to access all the information as I handled all the bills prior to the divorce. Once I assumed the loan, I was able to create an account to access my information. After a couple months they stopped letting people who assumed loans access to their account information. Due to this, I have to spend 10 minutes a month on the phone trying to make a payment, I am unable to access any of the information I may need and only get a statement in the mail. The loan is now in my name and I should be able to access my information to monitor the account. When asked, they stated they do not have any timeframe on when this will be resolved. I was told it was to protect the original buyers information, which in my case, I was married to him for 31 years and know everything about the loan and have all the original paperwork and have all his personal information. I understand a random person assuming a loan, but not someone who was married to the original loan holder.

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 2024-07-16 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-16 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: IA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: LA

Complaint narrative:
I am writing to demand the immediate removal of multiple unauthorized accounts from my credit report. As a victim of identity theft and several data breaches, my personal information has been compromised, leading to the appearance of accounts that I did not authorize. 
Experian has consistently failed to comply with federal law and protect my rights as a consumer. Specifically : Lack of Contractual Agreement : Experian has failed to produce any contractual agreement that binds me to the companies reporting these derogatory accounts. This is a violation of basic contract law and my rights under the Fair Credit Reporting Act ( FCRA ). 
Absence of Consent : I have not provided consent for Experian to report accounts related to my NAMED ESTATE. This is a clear violation of my Constitutional right to privacy. 
Failure to Verify : Experian has not provided any proof of verification for these debts, nor demonstrated compliance with all relevant laws and regulations in reporting them. This violates the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ).

Violation of Title 15, U.S. Code : Under Title 15, particularly 1681s-2 ( b ) and 1681i, Experian is required to conduct a reasonable investigation to determine whether the disputed information is inaccurate. Your consistent failure to do so is a blatant violation of federal law. 
FDCPA Violations : The inconsistencies and lack of verification in these accounts constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX regarding false or misleading representations. 
I explicitly state that I am NOT demanding verification or validation, as I am not granting permission to contact any company. Per federal law, specifically 15 U.S.C. 1681i ( a ) ( 1 ), these accounts must be removed within 15 days of receipt of this certified notice, or Experian will be held civilly liable. 
It is against the law to report any information not proven accurate, which is clearly the case here. Experian 's persistent refusal to remove these accounts or provide lawful reasoning for their actions is a willful violation of federal law and my consumer rights.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Amsher Collection was requested by XXXX to place {$110.00} in collection for a smart watch that was never owned by me. Amsher placed the matter with a law firm in XXXX who agreed it was not going to collect the debt. They were to notify Amsher Collection agency that the matter is closed and that my credit score should not be damaged by this. So far, that has not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation