vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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:
XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  GA XXXX Re : File Number : To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information.

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: OK

Complaint narrative:
On XX/XX/2023, I disputed the credit report and got the report back with no data verifying the debt.

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 2023-11-01 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: OK

Complaint narrative:
On XX/XX/2023, I disputed the credit report and got the report back with no data verifying the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
XXXX XXXX XXXX has preyed upon me as a XXXX adult and continues to repossess my vehicle without first giving me the option to voluntarily meet in an agreed upon location as is required by Florida law. XXXX XXXX has charged me alleging that I must pay $ XXXX in order to now recover my vehicle. I only have XXXX payments remaining on the loan at $ XXXX. There is no way I owe this amount on an {$8000.00} vehicle when I was unlawfully required to put down {$4500.00} as a downpayment. This is the XXXX time this year XXXX XXXX has extorted me without showing me proof of what is owed on the car loan. XXXX XXXX has not provided me a ledger or an adequate contract that notes the amount I allegedly owe. XXXX XXXX does not have a valid security agreement nor a XXXX financing statement that would allow for them to hire a XXXX party debt collector to steal and confiscate my car and narcotics within the vehicle. I am being targeted and coerced into being defrauded. XXXX XXXX shall not be allowed to oppress me while simultaneously and directly effecting my daily activities and my health as a whole. I am demanding proof and the immediate cessation of collection activities. Furthermore, XXXX XXXX continues to tarnish my reputation and cause me to be subject to prejudicial treatment as they continue to unlawfully report alleged late payments on my credit report when XXXX XXXX knows it does not have my consent not the authority to report such activity by law under the FCRA 15 USC 1681a ( d ) ( 1 ) ( A ). Remove the late payments and return my vehicle or I will be forced to take legal action.

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 2023-11-01 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: NC

Complaint narrative:
As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  {$500.00} XXXX XXXX XXXX  {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}

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 2023-11-01 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the unauthorized reporting of several accounts and inquiries on my consumer credit report maintained by your agency. I have never provided written consent for the following accounts and inquiries to be included in my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I dispute the unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/2022, which was conducted without my consent and without any permissible purpose as defined by the FCRA. 

I want to emphasize that my dispute is not with the creditors associated with these accounts, but with your consumer reporting agency for including this information without my consent. Furthermore, I have reported this incident to the Federal Trade Commission ( FTC ) as a form of identity theft my reference number is 165925500, as I did not authorize the inclusion of these accounts and inquiries on my credit report.

In accordance with 15 U.S.C. 1681c2, which allows for the blocking of information resulting from identity theft, I request the immediate removal of the aforementioned accounts and inquiry from my credit report. I expect your agency to conduct a thorough investigation into this matter and provide me with a written response within the statutory time frame, confirming the removal of these items from my credit report.

Please be advised that failure to comply with the FCRA and the requested actions within the stipulated time frame will leave me no choice but to take legal action to protect my rights under the law. I trust that your agency will address this dispute promptly and responsibly.

Thank you for your immediate attention to this matter. I look forward to receiving your written response within the legally mandated time frame of 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
got heloc loan on XXXX / XXXX / XXXX  ', from UNITED WHOLESALE MORTGAGE, payments interest only for 1st year, {$430.00} monthly .applied for auto w/d on XXXX XXXX / XXXX  ', got ok on XXXX XXXX / XXXX  '. 1st payment due on XX/XX/XXXX  '. then on XX/XX/XXXX  ' got notice that UWM sold loan to XXXX XXXX XXXX ON XXXX XXXX, XXXX  '. i called XXXX to set up for auto payment as i did with UWM, was told they have not got loan from UWM yet but when they do, i would get WELCOME PACKAGE from XXXX with new loan # & i could then put in for auto w/d. well on XXXX / XXXX / XXXX  ' get letter from XXXX that they got loan from UWM & loan is in DEFAULT!! they said XXXX & XXXX payments were not made. i called & tried to explain that i had auto w/d with UWM  & have email evidence that it was ok 'd & even email saying they were withdrawing for XXXX!!!! they did'nt care to listen to me & charged me {$2700.00} + {$430.00} to get loan up to date!! my payments were {$430.00} a month so if late should at most been {$870.00} + late fees but {$2700.00}?? i asked for breakdown for these fees, nothing!! i asked UWM why payments not made as had auto w/d, nothing!! this is damaging to my credit which i have as my priority!!!! well UWM sent response to my last complaint with you on them with copies of notices they said they sent but AGAIN, I NEVER RECIEVED ANY NOTICES INN MAIL OR EMAILS!!!!! i asked why didn't you call, NOTHING!!!!! so that's my complaint is UWM failed to w/d funds, sent loan over as in DEFAULT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was contacted by a lady claiming to be working for Household credit card company sharing that I had an outstanding credit card that had a balance and overdue charges that had to be paid from XXXX  years ago of {$3100.00}. I never opened that account so I informed her that the charges were incorrect and that she needed to send me verification my having had the credit card account. She did not send any paperwork to either my home or my email. 

Today I received a call from XXXX, who stated she worked as a debt collection intermediary for Household Credit card company ( she shared it was also knows as Orchard Credit ) that Household had filed a civil suit against me regarding this debt, but that they would drop all charges if I made a settlement of {$1800.00}. She shared that Household had sent me paperwork previously- to which I replied that none had ever been sent. I asked for written or other verification of the paperwork being sent and a copy to be sent to me today. She shared she was not able to send me anything and if I didn't pay the amount the company was taking me to court. The card she said started with XXXX and ended with XXXX. She told me to check my credit report to find all the documented information there. I just pulled up all three credit reports and there is no information for this card or company listed on my records. The only other thing I would get out of her was that the representative at the company making the charges was XXXX XXXX. The number for this company is XXXX. This seems like a scam and I would like to stop them from contacting me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I had the IRS deposit my money into this account, I was told by XXXX I would get my money faster which it did it was deposited into the account XX/XX/XXXX. I contacted them because after getting my card I could not get the funds of XXXX I was asked to give a copy of my ID with a picture of it place under my chin of which I provided to them and ever since then theyve told me about four different departments that arent accurate, are looking into it, and refused to give me a reason as to why can not get my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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:
As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: NC

Complaint narrative:
As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My complaint is on Care Credit by Synchrony Bank. I applied for the credit card in XX/XX/2021 to help pay for XXXX. I charged the {$4500.00} to the card under a no interest for 24 month promotion. The promotion expires in a few days and they added $ XXXX in interest. I asked how much I had left to pay on the promotion and it is almost {$3000.00}. They stated if I paid that amount before the next due date, they would cancel the interest. I have made {$4200.00} in payments during the 24 months. They stated that I could not chose to have those payments applied to the promotion and that payments are applied as they see fit. I would be happy to pay the remaining {$210.00} before the next due date to cancel out the interest. Yes, I made other purchases over the 24 months, but that interest wouldn't total up to {$2900.00}. The fact that I have made that much in payments but only paid down the promotion by less than {$1600.00} is a scam and predatory.

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 2023-11-01 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: Nelnet, Inc.
State: LA

Complaint narrative:
ACCOUNT OPENED FRAUDUANTLY DUE TO DATA BREACHES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a business account with Citizens bank a few years back and put about {$1000.00} into the account for spending on business expenses. The purpose of the account was to show I wasn't using personal funds when it comes time for taxes. It was never to pay people or send money to others because my business operations does not require me to ever do that. In fact, all my years of operation, I have never had to send funds to another person or bank account from my own business. 

I didn't use the funds because I never needed to spend the money and the account became dormant from inactivity. In addition, I can not access the account despite my efforts to do so online which means I was not monitoring the monthly statements. 

I went to a local bank / teller to close the business account only to discover about {$120.00} is missing due to various fees. I ask what happened ( since I still can not see the statements ) and they said I signed up for a service called XXXX which I had never heard of. The teller also had never heard of it. The XXXX XXXX at that bank location ( XXXXXXXX XXXX XXXX  also never came across anyone who had ever been charged for " XXXX '' service. Everyone I spoke to at the branch agreed it sounded strange and understood why I would have no need for this service. 

Citizens bank phone Customer support claims I electronically signed up for this service back in XX/XX/2022 which I do not have a memory or a record of doing. I never would have wanted this service because it works the same way as XXXX which was already a tool for money transfer built into their online banking portal... therefore, I have no use for XXXX in any situation. Citizens bank only stopped charging me for it because they stopped using it as a bank. I was also never notified that my subscription to XXXX was cancelled. 

Upon reading about XXXX online, no where on the internet does anyone say they subscribed to it on a monthly basis and were charged for it on a monthly basis. I found an entirely different model for XXXX pricing. 

Out of the approximately {$120.00} in fees I was charged, they are telling me they can not refund it all and are providing no advice or path forward. They are saying they can't provide proof that I signed up for this service. They are saying they can't refund the fees in full because of annual " limits '' to refunding per account. If they can't show a record of me signing up, I don't see how it's legal for them to keep my money. If they have done this to many dormant business accounts, this sounds like a class action lawsuit waiting to happen.

Company response to consumer: Closed with monetary relief