vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC 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 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed the debt collector ( Portfolio Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their XXXX validation window. I have not not received a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I never opened this card, it was fraud, along with another XXXX. This is the only card I have contacted numerous times I called them and they have had excuses but it has never been deleted as promised. In XXXX I believe I spoke to XXXX, he took the initial report and said it'd be fixed right away. Nothing was fixed, so I filed with XXXX, twice and they still didn't fix it. I called back again in XXXX and spoke to a XXXX again in the fraud department, who stated that it had been marked wrong and that he would fix it and it would be deleted, I also spoke with a supervisor named XXXX who also promised it was corrected. Today I got a call from them first time since XXXX, to tell me I was behind in payments, I told her the story again and they switched me over again to the fraud department, who NEVER answers when you call them, I was on hold for over XXXX minutes and no answer. I have been fighting them to delete this for well over 9 months now and they haven't fixed it still!! It is still on my credit report and I never opened this card. 

Comenity Bank Ulta XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an email on XXXX XX/XX/2022 from Bank of America that I submitted a credit card application on XXXX XX/XX/2022 for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with an application reference number. I did not submit this application and have no accounts with this bank. I attempted to call them to submit a fraud claim, find the details of the application and cancel the applications but was told their office was closed and couldn't help me. I spoke with their generic help line, their manger in the credit department and their fraud specialist. None were able to provide me the details of the application nor cancel the application. They even asked for personal information such as my social security number, which stood out to me since I do not have any accounts with this bank nor did i submit this application.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and XXXX loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax XXXX loans from 2018 where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
On XX/XX/2022 around XXXX XXXX  to purchase a vehicle that is dependable because the one I just got is not. I found a truck I really liked it reminded me of my old truck that i no longer have, it was a good truck. Then we went inside and filled out the application where I told him upon completion as I was signing for consent to run the credit check to only run it once. They assured me that they would then they ran it through TOYOTA XXXX XXXX as well as SOUTHEASTERN TOYOTA FIN as I learned through XXXX XXXX. At this point I was informed I would need a large down payment with the credit score they pulled. to which I handed them a copy of the following violations along with some definitions from this website and XXXX XXXX XXXX XXXX A SHORT LIST they took adverse action against me in denial of credit as codified in 15 USC 1691c and is also civilly liability under 15 USC 1692k. they are subject under criminal liability under 15 USC 1691 as I have proof that I was denied credit due to the response I received as well as the print out of denial. they are in violation of 15 USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not extended to me. Furthermore, my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SOUTHEASTERN TOYOTA FIN AND TOYOTA XXXX XXXX I have reached out to TOYOTA who reached out to TOYOTA XXXX XXXX and SOUTHEAST TOYOTA FIN gave me a run around. I am also aware they are in violation of 15 USC 1681n and 15 USC 1681o, along with a whole list of other violations. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
The company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was Santander. It shows XXXX balance on my credit report with Santander but I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
My mortgage was sold to Rushmore XXXX earlier this year. XXXX of this year the company claimed to have not received my mortgage payment and processed a late payment on my credit report of 30 days past due to all of the credit bureaus. I have pictures and proof that they did in fact receive the payment on time and processed it. When ever I pay my mortgage online to Rushmore XXXX it takes about XXXX weeks or more for the Website to reflect that my mortgage was paid. Also, I have called the company several time to no avail, I sent letters, and emails and I have been given the runaround, placed on long waits, and then hung up on. I have been told that I would receive correspondence via mail and a call and I have not received any of these things. I have proof that my payments were sent to them on time, This has been an ongoing problem since XXXX of this year. Please help me to get this false late payment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my rights to privacy and confidentiality under 15 USC 1681. 

Account name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX not sure of last 4 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 explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MORTGAGE SOLUTIONS OF COLORADO
State: IN

Complaint narrative:
I sold a house in XXXX of XXXX. I was current at the time of closing and was never aware of any missed payments or late payments. It is reporting 120 day late payments every single month for the past 2 years on that account. I have called the company Mortage Solutions Finance every single month for the past year to inquire about these errors on my report and they can not supply me with any information, or in fact that or ever existed. They can not find me in the system as ever having an account. This is preventing me from purchasing a house and is damaging and unfair. I have disputed this in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. They are still refusing to remove this from my report but yet can not supply me with that this debt ever existed. How is this possible, they are unable to verify this debt at all. How is this reporting to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Dear Yamaha Motor Finance Corporation, U.S.A., as dated XX/XX/2022, I, XXXX XXXX, consumer, have a simple question that I am demanding answers of ( XXXX ) Do Yamaha Motor Finance Corporation, U.S.A. comply with, follow Generally Accepted Accounting Principles ( GAAP )? In addition, according to my Consumer Report Im aware Yamaha Motor FinanceXXXX Yamaha are in fact furnishing a {$13000.00} balance to my report. However, my question shall not be construed for any reason or any purpose at any time by any person. Thank you for allowing me to address any of my concerns, sincerely, XXXX XXXX. 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. XXXX clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the XXXX major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the XXXX XXXX XXXX and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me.

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone.

Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. XXXX clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the XXXX major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the XXXX XXXX XXXX and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me.

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone.

Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.

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