vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
SANTANDER/XXXX XXXX XXXX me an extension of credit after accessing my credit. According to 15 USC 1681a ( k ) ( 1 ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within 15 U.S. Code 1601- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, 15 U.S. Code 1691 - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, SANTANDERXXXX XXXX XXXX entered Consumer and Lender into a consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with 12 CFR 1026.4 - Finance charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, a requirement of a down payment nor the statement of reasons as to why I've been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I was a XXXX  user for approx 12 years. I cancelled my XXXX account on XX/XX/year> and switched to XXXX XXXX. I paid my final cell phone bill via auto withdraw. 30 days after cancelling my XXXX  I received a 'final bill ' for the total of {$400.00}. I called and tried to talk to a XXXX XXXX rep without success, and only spoke with reps in XXXX. I was informed that I had in my possession a device called a 'CELL SPOT ' which is a cell phone booster. I was informed that due to not returning the item within the XXXX days I owe the {$400.00} to pay for the item. XXXX did not inform me prior to the XXXX  days that I needed to return the device. First and for most Ive NEVER had the device. I never asked for such device, knowingly received a device therefore can not return what i do not have. I have tried multiple times to talk with a XXXX rep regarding this but can only talk with people in XXXX or the XXXX. Eventually XXXX file this bill with a debt collector that I disputed and wrote a physical letter and mailed it to them stating why I feel this is not my debt. After mailing that letter I was contacted by AMSHER debt collectors regarding the same debt. I have spoken with this agency twice stating I will not be paying this debt due to XXXX XXXXot being able to provide proof that I ever received, used, owned, had or failed to return this device. After the 1st conversation with AMSHER I stated that i dispute the claim and I also wrote them a physical letter that I mailed to them. 30 days later ( today XX/XX/XXXX ) I received yet another call asking me to pay the debt, after already physically telling the XXXX rep on the phone and writing the letter i dispute the claim. Now i feel its harassment. I have dates of all phone conversations ( with some reps names ) copies of dated letters written, and all the letters sent to me from XXXX and both debt collection agencies. I have also looked online and found a very large number of other ex-XXXX users having the same issue with the carrier. I personally believe this to be fraud on XXXX behalf especially for not stating to customers about a potential debt prior to the XXXX  day time frame. I am at a loss of where to go from here other that finding a small claims lawyer to handle this situation but I figured id try the CFPB first for help.I have no problem paying my debts if they are justified. Thank you and please contact me at the earliest convenience to help resolve this issue. More documentation can be filed if requested. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!!! 
Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to 15 USC 1682 ( C ) you have violated my rights by unlawful communication please remove this collection off my credit reports. This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens 281 SW 715, 719 May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Technical Murder of the Living Man to create a 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

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion XXXX XXXX are reporting an account as a charge off/collection but XXXX is not reporting the account. I would like to know the information Tranusnion XXXX XXXX has that XXXX does not. The consumer reports must match across the board and this account does not. Furthermore banks are insured under FDIC so they do incur a loss so reporting this account as such is erroneous claim.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I am writing to formally request your assistance in resolving a dispute I have with Westlake Financial Services regarding the inaccurate reporting of a charge-off account on my credit report. I believe that the reporting of this charge-off is in violation of the Truth in Lending Act ( 15 U.S.C. 1601 ) and should be corrected immediately.

As per 15 U.S.C. 1601, creditors are required to provide accurate and fair disclosure of the terms of consumer credit transactions. The reporting of a charge-off on my credit report has not only adversely affected my credit score but also reflects inaccurate and misleading information about my credit history. I believe that the reporting of this charge-off is not in compliance with the fair and accurate reporting standards mandated by the Truth in Lending Act. 

I have made several attempts to resolve this matter directly with Westlake Financial Services, but I have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to ensure that the inaccurate charge-off is removed from my credit report and that my rights under the Truth in Lending Act are upheld. 

Please find attached copies of relevant documents, including my correspondence with Westlake Financial Services, credit reports showing the charge-off, and any other supporting evidence. I kindly request that the CFPB review this matter and take the necessary steps to have this incorrect information removed from my credit report. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: WA

Complaint narrative:
In accordance with Fair credit reporting act, the list of accounts below have 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 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 602a. States that I have the right to privacy.

15 USD 1681 section 604a section 2 States and consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( 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 antidotes the report by more than seve years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is not sent in error, please read this seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Deinde Online Services, LLC
State: MN

Complaint narrative:
Subject : Urgent Request to Investigate and Halt Unethical Loan Practices Dear : Federal Consumer Protection Agency, I am writing to formally request an urgent investigation into a loan company that I suspect of unethical and potentially illegal practices. 

I originally took out a loan of {$2000.00}, and to date, I have already paid close to {$2000.00} towards this loan. Despite this, my balance still shows as {$2000.00}, which raises serious concerns about the transparency and accuracy of the company 's records. 

Furthermore, every 15 days, the company is withdrawing {$120.00} from my bank account, which has led me to believe that they might be exploiting my account beyond the terms of our agreement. Given these circumstances, I am concerned that this company may be engaging in fraudulent activities, including potentially hacking into my account. 

I respectfully request that your agency take immediate action to : XXXX. Investigate the practices of this loan company to determine if they are operating within the bounds of the law. 
Stop any further unauthorized deductions from my bank account by this company. 
XXXX Review the payments I have already made to ensure that I have not overpaid and, if necessary, facilitate the reimbursement of any excess payments to my account. 
Your prompt attention to this matter is greatly appreciated, as I am facing ongoing financial harm due to this situation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
car was paid off and never received debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On the following dates/time ( XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, and today XX/XX/XXXX - XXXX ), I have received texts stating, " Please contact Radius Global Solutions LLC @ XXXX / XXXX XXXX XXXX XXXX / To view your rights or make a payment XXXX XXXX / Text STOP to end texts ''. I looked into Radius Global Solutions and their official website is XXXX NOT the text provided website i have been getting. I do not, nor have I ever owed any outstanding dept and I believe that they are impersonating a debt collection agency with the intent to scam people. Thank you for your time with this matter, and if you have any further questions please reach out to me.

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