vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: MD

Complaint narrative:
XXXX said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living. 

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm a victim of identity theft due to Transunion failing to add security freeze to my account although I requested it multiple times, pursuant to section 605B, you must remove fraudulent accounts and inquiries reporting to my account. I'm suffering punitive damages.

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 2023-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Last Name : XXXX Address : USA Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the Crime XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX Page 1 of 2 Company or Organization : Total fraudulent amount : {$0.00} Other Identity Theft Fraudulent Information on Credit Reports Credit Inquiries Discover Fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Page 2 of 2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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.
State: TN

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.

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 2023-11-15 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: TN

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: 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 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-11-15 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: 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 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company 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 2023-11-15 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: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXXXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Notice it is a fact, According to my consumer credit profile on XX/XX/, ZION DEBT HOLDINGS LLC violated USC 1692c ( a ) and published a opened account without any prior notice or my written consent to my XXXX consumer credit profile. Notice it is a fact, This action was a violation of USC 1692f ZION DEBT HOLDINGS LLC used of an unfair practice by a debt collector and clear violation of my due process. Notice it is a fact, This one action caused I, : XXXX XXXX XXXX a federal protected consumer severe financial injury and defamation to my character. Notice it is a fact, USC 1692d violation, Due to the continued harassment thru a third party medium " XXXX '', my credit score has dropped drastically. Notice it is a fact, USC 1692d ( 1 ) Violation, harmful actions toward my well being via credit reporting affecting my creditability to receive consumer credit, I have not been able to extend my credit with other financial institutions. Notice it is a fact, USC 1692d ( 2 ) violation, obscene language of accusing me of owing an alleged debt on my consumer credit report. Notice it is a fact, USC 1692e violation, Due to ZION DEBT HOLDINGS LLC false, deceptive and misleading statements and practices. Notice it is a fact, I now suffer from anxiety, duress, stress and unnecessary financial hardship. Notice it is a fact, To date ZION DEBT HOLDINGS LLC has failed to preform and validate the allege debt. I have requested validation of debt with evidence and have yet to received any contracts with wet signatures, full disclosure or a validation of debt between I, : XXXX XXXX XXXX and ZION DEBT HOLDINGS LLC . This also includes any accounting ledgers, which states I am obligated to pay ZION DEBT HOLDINGS LLC. Notice it is a fact, I have also sent a cease and desist to ZION DEBT HOLDINGS LLC due to the continued harassment. Notice, i am aware, according my consumer report from XXXX as of XXXX XXXX ZION DEBT HOLDINGS LLC has violated my request and is still reporting and communicating thru a third party, " XXXX '' which is a USC violation of 1692c ( b ) .Notice it is a fact, According to FDCPA each violation by debt collector could amount to XXXX XXXX dollars per violation. Notice it is a fact, I, : XXXX XXXX XXXX, Principal Executive am fully prepared with a bill of particulars to settle and file a lawsuit in this matter for damages. 
ALL RIGHTS RESEVERED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Company randomly closed my account and will not allow me to withdraw {$57.00} dollars out of my account. This is a personal account that use to pay some bills and occasional payments. They will not give me any information about why they randomly closed my account and claim that they don't have to tell me anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Lender is Santander Consumer, USA Purchased Vehicle Supposedly For XXXX in XX/XX/XXXX Supposedly purchased a XXXX XXXX XXXX Found out car was a XXXX when I was insuring it after the fact. 
Traded in my XXXX XXXX. 
My trade-in value towards new car was roughly XXXX. 
Loan amount was supposed to be roughly XXXX. 
Loan amount XXXX plus Tags & Registration All documents were signed digitally. 
I declined ALL offers & add Ons.

I soon discovered that I had a Lemon.

I immediately tried to return the vehicle to dealership. 
Dealership being - XXXX XXXX XXXX  I went to return the car, which is how I discovered the dealership was officially CLOSED/BANKRUCPT I started calling every number I could find- All to no avail.

I finally received physical mail from Santander Consumer USA Upon opening the mail, I became EXTREMELY DISTURBED & UPSET - CAUSING MY XXXX TO ATTACK DAILY. 
I was DISTURBED because of the amount. 
The amount was over XXXX. 
It was XXXX XXXX - over what I expected. 
By the time I pay this loan, I will pay over XXXX for a car that only has a value of XXXX according to Car Fax. 
Why did Santander pay this amount for a car that does not have the value? 
There is no description on the physical mail, I continue to receive.

There is no VIN # on the physical mail, no evidence of a car loan. Just an amount.

I continue to call Santander almost daily or every other day.

I am told in no uncertain terms each time- it's not their problem.

Santander Consumer, USA seems annoyed with me.

I am overwhelmed and upset with this huge debt that I can not afford.

My research shows that on XX/XX/XXXX Santander was in problems similar to what I am presently experiencing. 
I have attached such documents. 
Thank you kindly for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NC

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act DPT ED/XXXX XXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT ED/XXXX  XXXX Balance Owed : {$9200.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} DPT ED/XXXX  XXXXXXXXBalance Owed : {$4300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: LA

Complaint narrative:
I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, 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 2023-11-15 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: LA

Complaint narrative:
I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NC

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XX/XX/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 2023-11-15 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: LA

Complaint narrative:
I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, 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 non-monetary relief
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
I look on my credit report and my credit was supposed to be locked but it was not and I have all these inquiries on my credit reports it is XXXX that I never applied for anything

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 2023-11-15 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.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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