vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The payment history doesn't match with other creditor bureaus, date open, date closed, date of last activity. the balance, recent payment, last payment, account status, highest balance, account numbers are different, Activity designator.

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 2024-04-06 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
This account was opened in 2014, I never received any card nor any communication from the company. The credit card was never used nor were there any charges ever filed on this account. The card was never used because I never had custody of this credit card. I've asked numerous times to remove the card from my credit report because it's hurting my credit score. The Credit Card company eventually closed the account due to inactivity but never removed it from my credit report and continues to report it to credit rating companies; including : XXXX, XXXX, and XXXX. This has caused me to lose a job opportunity with XXXX XXXX due to many closed accounts. 

This account needs to be immediately removed from my credit report meaning a full deletion because I never used this card and who ever opened the account never charged anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: GA

Complaint narrative:
Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/2024 To Whom It May Concern : Equifax credit report ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ). 
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : late accounts listed here : XXXX XXXX, XXXX. 
Account Number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
I am writing regarding the above-referenced case, no XXXX was provided to the SSA. and a debt that SANTANDER CONSUMER USA Has failed to validate. I believe their collection efforts violate my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. SANTANDER CONSUMER USA has sent several collection letters but failed to validate the debt as required by Section 809 of the FDCPA. 
I returned XXXX letters under Section 809 ( b ) as " insufficient correspondence '' and disputed the debt/requested validation and arbitration under Section 809 ( a ) after their third letter this XXXX of XXXX  Yet Santander Consumer USA did not respond within 15 days as mandated. 
VIEW EXHIBIT A, B, 7, 8, 9 Despite not validating the debt, SANTANDER CONSUMER USA now threatens repossession in violation of Section XXXX of the FDCPA and has accelerated collection efforts without proving the debt is valid and owed. 
VIEW EXHIBIT E, G I have disputed the debt and requested arbitration three times under Section 809 ( a ), but Santander Consumer USA has failed to acknowledge or engage in arbitration. 
VIEW EXHIBIT E ( 1 ) E ( 2 ) As SANTANDER CONSUMER USA. has not followed the debt validation procedures outlined in Section 809 of the FDCPA or engaged in arbitration as I have requested by XXXX three times each, any further collection or adverse reporting of this debt would also violate FCRA Section 611. I respectfully request that the Court order SANTANDER CONSUMER USA HOLDING INC. to validate the debt within 4 days or cease collection efforts against me if they are unable to validate it in accordance with the FDCPA and FCRA. 
VIEW EXHIBIT Z ALL RIGHTS RESERVED Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have an loan account from XXXX XXXX XXXXand I regularly paid the XXXX but after that my vehicle is theft and I could not receive the insurance and at the time of COVID l lost my job and so I think when I received the insurance amount a payment the loan amount but a could not receive the insurance amount, at that time the XXXX XXXX filed a case in the court against me and I received a notice from court.After that legal proceedings I contact the lender bank again and promise to pay all the amount due and XXXX and and request them to stop the legal proceedings and accordingly I paid all the outstanding balance and all XXXX and at the date XX/XX/2024 I paid fully dues for my loan without any settlement and request to close the loan to the lender. 
Now the loan account is closed but the court case is active till now and my cibil status shows suit filed.I many times request the lender bank and the Cibil to solve my problem but yet suit filed/court case is active.And lender bank reply that they can not have power/ able to remove/update the suit filed status of my cibil report. 
So sir I kindly request you to solve my problem to closed the court case and suit filed status from cibil if it is possible or otherwise give me the proper result how can I solve my problem to plan my financial planning for the future.

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 2024-04-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

15 U.S.C. 1681 section A. States that I have a right to privacy.

15 U.S.C. 1681 section 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 non-monetary relief
Consumer complaint received 2024-04-06 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:
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. 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 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 an 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 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 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I received an email confirmation that someone successfully opened a checkings account with Chime using my email address and full name. They were also able to add a phone number that was not mine. I immediately called chime to let them know, and was required to provide them with the last XXXX digits of my Social Security number in order for them to locate my account, they confirmed that they have closed my account.

I am appalled that someone can open a bank account using my email without any verification! This is terrible practice and Chime should take more action to reduce fraudulent bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Account was sold to third party an now it's illegal to sell an report I would like this to be removed an ask for my XXXX  dollars that is in order since fcra regulations was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/2023 preordered XXXX XXXX XXXX XXXX for {$1100.00} with Apple Card Financing for XXXX  Months at 0 % Interest XXXX  offer of trade in device XXXX XXXX XXXX XXXX get instant credit of {$580.00} to be deducted from price of {$1100.00} Received XXXX XXXX XXXX XXXX in XX/XX/2023, and sent back XXXX XXXX XXXX XXXX XX/XX/2023. 

XXXX  charged XX/XX/2023 {$580.00} trade in amount to my Apple Card on top of the financed amount because they havent processed the trade in yet. 

XX/XX/2023, get email from XXXX  saying thank you for your trade in. Any amount charged will be refunded. Never got a refund.

Price of {$580.00} has been on my Apple Card since XXXX + XXXX. XXXX months so far, going on XXXX with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I all ready filed XXXX complaint on this they did for close on my home wells Fargo and they sold my loan to XXXX  but XXXX  is there sister company but my ariginal loan was true wells Fargo the didn't offer me a modification and besides that they illegally sold my home that was paid off and the commissioner of my home town allowed them to do so I didn't reciec-ve any shurity because the home burnt and they had placed forcibly insurance on my loan to throw me in to XXXX and they also owned the insurance company so they got the money from the sell and also collected all the insurance money they basically ignored a federal judges ruling the judge ruled the home mine and payed off I put it in my sons name they went in court house and lied to the comishioner and allowed them to take my homethey only had interest on the land wells Fargo done so many illegal things on my loan it was shocking they put me in a loan that I never should have been in cause my income I'm XXXX and my sons XXXX the moble home was in his name and nothing owed on it they went in and took his name off it and I had to sepret tax bills the home was not tied to land through the pvaoffice please could I have some XXXX call me its been 5 years and we are living in a dump cause wells Fargo ruined XXXX credit over there greediness 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 2024-04-06 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: OR

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to but it has been more than XXXX  days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I disputed fraudulent activity with my business bank account. Someone used my debit card and purchased items without my consent and without my authorization. A conditional credit was released. On XX/XX/XXXX the claim was denied, and the bank withdrew the conditional credit from my account putting my account in the negative. Being as though this an active business bank account. My business transaction is not only on hold, but income needed to pay my business expenses were taken out of my account and used to pay for transaction that i did not authorize.

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 monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB I have evidence consumers can being wrongfully harmed if something is not corrected. Credit agencies are stating scores are calculations. I have evidence below this is not possible. 

If credit scores are wrongly lowererd it can result in higher interest payments. This directly can harm consumers living expenses. if a family with children have score damaged by agency and did nothing wrong it can harm their ability to raise their children. this is real life. 

Experian provided the factual evidence CFPB needs to investigate what is happenig attached image evidence by experian XXXX. XX/XX/year> XXXX XXXX XXXX decrease by {$38.00} and experian added XXXX points score. credit bal on card {$31.00} XXXX. XX/XX/year> XXXX credit bal decreased by {$31.00} and experian removed XXXX ponts score. Credit bal on card {$0.00}. Paid in full. 

CFPB Look at the amount decreased {$31.00} and {$38.00} payments only XXXX days apart. paid ontime and my score XXXX? 

lenders use scores to see how reliable a consumer is at repaying. And can increase their payment interest. I made XXXX payments ontime and Experian changes my score saying im a riskier creditor how?. 

Scores also show the risk of a consumer to lenders. So I made XXXX payments {$38.00} and {$31.00} ontime reducing my credit exposure making my finances stronger. Experian 's response is changing my score saying XXXX riskier?

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
On or about XX/XX/year> I submitted a request for LexisNexis to Explain to me how could they report or furnish information to the Credit Bureau 's without Permissible Purposes? A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) I also attached letters from the Courts stating that they do not provide that information to the Credit reporting agencies as well! I also had my File frozen with LexisNexis so therefore no information is to be provided! LexisNexis continue to Furnish XXXX with a Dismissed Bankruptcy and it needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX {$920.00} To Whom It May Concern : Please let this serve as my formal complaint regarding inaccurate and incomplete information reporting on my credit report with Equifax. The inaccurate information this Credit Reporting Agency have included in my credit report is enough proof they have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports they publish.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

As I stated earlier, your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00}

Company response to consumer: Closed with non-monetary relief