vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
XXXX XXXXfortiva closed a card account of mine that was used to purchase my fortiva alarm equipment, I had paid offthe balance early. The account to my understanding was not set to close until 2026. They than issued me a new card issued me a new XXXX XXXX and account all of this was done fraudulently without my express consent. I called fortiva to find out what was going on as it had lowered my credit score closing and adding a new card and was transferred to different people several times which took a lot of time from my day at work. The last gentleman that I spoke to said his name was XXXX XXXX, I recorded the call from that point on. He was very rude with me when I asked how they opened an account and closed accounts without my consent, he explained that they sent an email ( which I never received ) that me not responding to that email meant that they could open a new account and close the other account without speaking to me or asking me for permission. I then asked him for his name and to repeat what he said and asked him if the actions they arbitrarily took would affect or lower my credit score, he stated it would not affect my credit score at all. My credit score has been lowered a total of XXXX points from this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
I completed an application with First Digital Credit Card after they send me an offer for {$700.00} credit card via XXXX match credit option lowered the amount to {$300.00} and requested me charged me {$95.00} to accepted a credit of XXXX  XXXX additional charged me {$75.00} to the credit amount. After they said that the payments due date is XX/XX/2023 changed it to XX/XX/2023 without any expressed notification after I uodated my new mailing address due to things beyond of my control and when I made the payment on XX/XX/XXXX. 2023 appeared as a late payment and charged me late fees XXXX  XXXX fees are illegal and they changedthe due date in misleading and confusing terms. They changed without previous notification and consent. Iam not a silly person. I believed that someone in ny previous address is receiving my mailing and making identity theft or the previous apartment complex administration is receiving my correspondence and making identity theft.i need that financial institution removed the late fees charges because they was the responsible for the changes without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Brother Loan & Finance Co.
State: MO

Complaint narrative:
I took this loan out in 2007. 
They are garnishing my check for interest after XXXX years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/2019, the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) conducted contract fraud. The dealer made deceptive orders to sign a fraudulent installment loan contract. 15 U.S. Code 1692J prohibits deceptive forms. A car was purchased on credit, where CASH was utilized on my behalf for a downpayment. According to 15 U.S. Code 1662 dealerships are not suppose to ask for a down payment and installments. 15 U.S Code 1602G states we are the creditors. UCC 1 - 308 : All Rights Reserved. 15 U.S Code 1635 - Right of rescission as to certain transactions was not disclosed properly and faithfully. 
FINANCE CHARGE= SUM OF ALL CHARGES Finance Company involved : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: GA

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 U.S.C 1681 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 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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent a dispute letter to these companies, which they have received on the XXXX and XXXX of XX/XX/2023, but they continue to furnish inaccurate and incomplete data on my consumer report as of XX/XX/XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: CT

Complaint narrative:
Several years ago, I purchased a {$200.00} XXXX gift card at a XXXX XXXX XXXX XXXXXXXX store. Today I checked the balance over the phone, and was told by a representative from XXXX that the card had not been activated. He also suggested that I should go back to the store for help. But the store is out of business. For their part, XXXX claims that there is nothing they can do. Since XXXX is the vendor of the card, I think, they bear responsibility for getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion SANTANDER - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( United states v. Santander Consumer USA inc ), Santander Consumer USA was involved in a class action lawsuit due to alleged violations of the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused Santander of breaching its own contracts by imposing improper fees. 

The allegations against Santander revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the TCPA and the FDCPA.

Moreover, Santander 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress. 

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of SANTANDER - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given Santander 's proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of SANTANDER - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , XXXX, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$240.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report.

Account Name : 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 2023-08-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been giving my bank the reference number they had given me while opening a new active cash card and they been playing with me all day and nights making me lose my customers..this isnt fair at all

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX and I made a bank deposit last Thursday on XX/XX/XXXX through the Atm at the Bank of America in XXXX, Tx on XXXX XXXX.I put my debit card into the ATM machine and Deposited {$300.00} for some reason the ATM started glitching and never gave me a receipt but it did eject my ATM card back out..I then proceeded to call the Bank of America to let them know what happened and they filed a claim and said I would see a credit for XXXX the following the day, when I went to check my account the credit was not in my account, So I called Bank of America again and they said they would not be able to credit my account until they finished their investigation..I think they are being unfair this was my money that their ATM basically stole from me and they are not wanting to credit my account while they are doing their investigations, that is a big inconvenience for me because that was all the money I had for the week, they said it could take up to XXXX buisness Days to see any kind of credits/ or Adjustments..Pease help, as a consumer I think this is injustice considering us people that live from Check to Check, just because their a Big Corporation does not mean they can or should treat us this way, its not fair please help with this situation.. Kindest Regards, 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 monetary relief
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX XX/XX/XXXX SYNCB/CHEAPOAIR XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I signed a lease without visiting the property. In the process, I sent {$1500.00} which included a background check, security deposit, and first month 's rent. When the time came they didnt own the property, they tried to get more money out of me and after being unsuccessful blocked me. I used XXXX to send the money. All transactions took place on XX/XX/2023. I contacted capital one and field claims and the claim came declined. In the phone call, I told them I had definite proof of the scam. I was told Id get an email where I would eventually send the proof but they didnt ask for any proof and only sent a decline of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX Acc # XXXX, OppLoansXXXX Acc # XXXX, and XXXX XXXX XXXX XXXX Acc # XXXX All furnished known false information to my consumer report therefore violating consumer law. 

Today I am writing to dispute the verification of these accounts that has been reported by these unkown Creditors. I have reviewed my credit report, and noticed this Creditors has verified the accounts as ( accurate ). However, just for starters the supposed date the accounts were opened are incorrect and also the last date reported is not accurate which are in fact grounds for removal. The fair credit reporting act states everything on my report has to be a hundred percent factual otherwise you are in violation of 15 U.S.C 1681 which promotes accuracy, fairness, and privacy.

I would like to bring to your attention that I have never had any dealings or financial transactions with these Creditors and therefore I strongly question the accuracy and legitimacy of their claim. It is crucial that you assist me in rectifying this issue by conducting a complete and comprehensive investigation into the disputed account.

Furthermore, as a consumer, I am entitled to receive proper validation and verification of any debt claimed against me, as mandated by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Therefore, I kindly request that you provide me with the following information : Verification and validation of the debt claimed by this Creditor.

Documentation proving that I have entered into a contractual agreement with the Creditor for the alleged debt.

Copies of statements or other records demonstrating my liability for the disputed account.

Details of any correspondence or notifications sent to me regarding this account.

It is important to note that if the Creditor fails to provide the necessary documentation as outlined above, it raises doubts about the accuracy and legitimacy of their claim and proves the said transaction not to be valid. In such a case, I request that you remove the disputed account from my credit report immediately, I haven't contracted with this company in the past and I don't wish to do so in the near future.

I would also like to remind you that according to the FCRA, you have a ( legal obligation ) to conduct a reasonable investigation into any dispute raised by a consumer. I expect you to adhere to these guidelines and provide me with a prompt resolution to this matter.

Please acknowledge receipt of this dispute letter and inform me of the actions you will be taking to investigate and resolve the dispute. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 U.S.C 1681 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 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 in accurate.

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