vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX  in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.

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 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
THIS IS A SECOND ATTEMPT TO YOUR EXCESSIVE INTEREST RATE OF XXXX PERCENT!!! THIS IS CLEARLY ILLEGAL. I SEE New York IS ALSO SUING YOU FOR THE SAMETHING Case XXXX. Thank you so much for the detailed response. Im not sure if you recall via phone w/ XXXX XXXX on XX/XX/XXXX @ XXXX I didn't agree to such thing! The company that was working with you " XXXX XXXX '' had took PAGES out of the CONTRACT the was given to me so I was unable to READ ALL OF THE INFORMATION. 

MY DOWN PAY, ENT THAT WAS CONDUCTED ONTO THIS CONTRACT IS ALSO ILLEGAL AND INACCURATE I DIDNT PUT DOWN {$1800.00} IT WAS ACTUALLY {$2500.00}!!!!! 

I DO HAVE EVERYTHING RECORDED WHILE WE WERE ON THE PHONE. AGAIN THAT IS FALSE I DID SIGN A DIGITAL PAD STATING IN UNDERSTOOD WHAT WE DISCUSSED WHILE IN OFFICE. WHICH WAS THE DISCLOSURE FORM. I HAVE BEEN PAYING MY DUES ON THE CAR AND WOULD LOVE TO CONTINUE BUT AS YOU CAN SEE I HAVE HAD PROBLEMS BECAUSE OF THE INTEREST RATE BEING SO HIGH ON A USED 2013 VEHICLE THATS 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 2023-01-08 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act XXXX  Accounts 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. State 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.

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 2023-01-08 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act 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 XXXXas violated my rights. 

15 U.S.C. 1681 Section 602 A. State 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.

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

Complaint narrative:
Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file.

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ). 

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. ) ACCOUNT : XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have some inquiries I didn't recognize XXXX XXXX XXXX XXXX, XXXX XXXX XXXX JXXXX 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 non-monetary relief
Consumer complaint received 2023-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have some inquiries I didn't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Every statement includes the incorrect due by date. The past due balance far exceeds the days delinquent. The past due balance is inconsistent on every statement when the monthly payment is fixed but no payment amount is applied for late fees or misc. fees. One month was missed on the auto loan and Santander claims the account is then 71 days delinquent. A payment well exceeding the minimum amount, {$1000.00} and prior to the due date, and santander fails to update the days delinquent and it remains at 71 days with the past due amount only decreasing XXXX dollars. The next month, another substantial payment of XXXX dollars is made and santander changes the days delinquent by one day ( 70 days ) and the past due amount only decreases {$470.00} dollars. Santander claims the account is now 101 days delinquent and the vehicle was repossessed on XXXX. The loan payment is not due until the XXXX of the month. The account has not gone XXXX months without payment. The paper trail has been nothing but inconsistent. A total of XXXX dollars has been paid within 2 months. This vehicle should not have been repossessed, Santander has failed to correctly update their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had XXXX $ in funds from my account used in unauthorized transactions. I received an email from chase stating that my debit card had been added to XXXX XXXX  on XX/XX/XXXX, then a total of nearly 8 charges ranging from XXXX $ ensued in the following minutes meanwhile I had called the number on the back of my card immediately notifying and thus freezing and disabling my card. The charges all contained names that lead me to believe that they were done in XXXX XXXX, XXXX which I have no connection to and have never been to or purchased anything from. I then filed and waiting on calls for numerous hours which proceeding into me receiving provisional credit and a new card. Then on XXXX I receive an email stating the provisional credit of XXXX $ was being removed on my account on XX/XX/XXXX, an amount that is extremely large. How could my bank see charges totaling XXXX $ to a foreign country and recieve my call while it has happening and still not consider it fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Received a letter stating I requested to be considered for a Venmo Visa Credit Card account on XX/XX/2022. We regret we are unable to approve request for the following reason : We were unable to verify your identity. '' Reference : XXXX. 

I NEVER applied for a Venmo Visa Credit card. I am notifying the company of this fraudulent action. The inquiry from PAYPAL via SYNCBVENMO was listed under Account Review Inquiries on my XXXX XXXX credit report.

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 2023-01-08 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: NY

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, XXXXXXXX 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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.

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 2023-01-08 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: NCB Management Services Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Weve been plagued by overdraft charges. The bank has been over charging us for months. In XXXX of 2022 we were charged 3 times in the same day an overdraft fee. It has continued with similar results only now the overdrafts are a day apart so the fees dont violate Wells Fargo policy. We have called several times and been told no to any kind of refund. Before XXXX we got some kind of restitution. Now when you call the representative is just flat out dismissive. Our local branch has closed and our next closest branch as well so, going to talk to a local branch representative is at least a 30 minute drive. The bank is also aware that we live on a fixed income every month and cant afford these charges. Yet again is isnt a factor on the banks end. It has gotten so bad weve had to constantly bounce our account to pay other bills because of Wells Fargos repetitive fees.

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 2023-01-08 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: IL

Complaint narrative:
Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file. 

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report. 

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. ) XXXX XXXX XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file.

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

1. ) ACCOUNT : XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I called XXXX XXXX XXXX several times XXXX left XXXX  messages and no respones received.

Company response to consumer: Closed with non-monetary relief