vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To Whom It May Concern, I hereby lodge a formal dispute regarding unauthorized credit inquiries on my consumer reports, alleging identity theft and fraud. This action is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, specifically sections 1681a, 1681b, 1681d, 1681e, and 1681g. These inquiries are a direct violation of my rights under these sections, which mandate accurate and fair reporting of credit information. 

Further, these unauthorized inquiries contravene my rights under the Truth in Lending Act ( TILA ), 15 USC 1601, and its implementing Regulation Z, 12 CFR Part 1026. TILA and Regulation Z ensure fair and transparent credit practices, which have been evidently disregarded in this instance.

Additionally, under the Identity Theft and Assumption Deterrence Act, 18 USC 1028, I assert that these inquiries are a result of unlawful use of my personal information. The Electronic Fund Transfer Act ( EFTA ), 15 USC 1693, and its implementing Regulation E, 12 CFR 1005, also provide protections against such fraudulent activities. 

I demand a comprehensive investigation and immediate removal of these inquiries in strict compliance with the aforementioned laws. Failure to comply may result in further legal action. 

The following Inquiries are in question/violation : Account name XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name EXPERIAN XXXXXXXX XXXX Date of request XX/XX/XXXX Account name EXPERIAN XXXXXXXX XXXX  Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXXXXXX XXXX Date of request 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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Someone used my card to make fraudulent purchases on XX/XX/2023 ; XX/XX/2023 ; XXXX XXXX ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023, at a merchant named " XXXX XXXX '', totaling {$1000.00}. Upon discovering these transactions I immediately restricted my card and contacted the issuer ( Goldman Sachs on behalf of Apple ). To date no less than 15 " cases '' have been opened regarding these transactions, with about 1/2 of them being resolved correctly in my favor, while the other 1/2 the card issuer keeps refusing to properly handle the investigation into this fraud. I have submitted a copy of a true and valid copy of the Police Report I filed, yet my card issuer continues to refuse to properly handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: NC

Complaint narrative:
on XX/XX/2023 i went in to buy a car and i told the finance manager. i will only apply for the car if its one hard inquire and he said it would. ( he said it in front of my wife as well and the sales rep ) so i unlocked my credit and i got FIVE hard inquires! after bringing it up to him he said that they only had a copy of my credit its not a hard inquire. Day later all the inquires posted and he refuse to talk to me about it. the following inquires are the UNATHORIZED inquires. XX/XX/2023 XXXX XXXX XXXX, XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX Ive already tried to dispute my case to Equifax and the attachment added is the results of me trying to get the inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I've been a resident of XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. I vacated my apartment in the end of XX/XX/XXXX and paid all my dues. During vacating, I ensured proper cleaning is done and all damage/cleaning charges are paid for. I did gave my email address and postal address to ensure to take care of any pending water bills as well. 

I haven't received any communication on mail or email, but suddenly I see some pending water bill due for my last month being directly reported to credit collection, without a single intimation to me. This caused my score to come down by XXXX points. This is unwarranted and I would have immediately paid, of If I had got a small intimation about this. Please take a look at my rental history with you, I always had paid my rent one month in advance and no single instance of late payment or due. But in this case, I've received no communication on pending payments, but yet directly got reported to collection. 

I'm still ready to pay the pending water bill of {$120.00}, but please ensure that this charge falls off my credit report. Ive spoken to both XXXX and XXXX over the past few days, but they say they can't help on this regard. Please take a look at my rental history and understand that this is a lack of communication from your team and I should not be paying a price for this. The credit agency is infact asking for {$320.00} ( a {$200.00} extra penalty ) which is completely unfair given the fact I'm not notified on the pending charge. 

Please look into this matter and help me out. I can make the pending payment without penalty and please ensure the debt collection comes off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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:
On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to XXXX for my XXXX XXXX in the amount of {$14000.00}. I had GAP insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX XXXX owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, XXXX closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted XXXX for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of XXXX accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by XXXX, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer

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 2023-12-30 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: GA

Complaint narrative:
On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to XXXX for my XXXX XXXX in the amount of {$14000.00}. I had GAP insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX XXXX owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, XXXX closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted XXXX for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of XXXX accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by XXXX, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to XXXX for my XXXX XXXX in the amount of {$14000.00}. I had GAP insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX XXXX owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, XXXX closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted XXXX for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of XXXX accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by XXXX, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer

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 2023-12-30 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
While viewing my credit report I noticed an inquiry that I didnt authorize! Ive never applied for any product with this company, nor have I entered into any contracts, provided any signature, or ID! This inquiry is damaging my credibility and should be removed 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 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I purchase a car from a dealership and was taken advantage of by an act of predatory lending. When i spoke with the finance Department I was told it was a simple interest loan and there are no early payment penalties. I spoke with them and told them the rate is above the State of Florida maximum auto rate and was told that is not correct spoke with the bank and they told me they could not adjust the rate to the legal rate. Chrysler Capital is a part of Santander Consumer which was sued for {$550.00} million for the same thing In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid. 

What are the usury laws in Florida for car loans? 
What rate can be charged? The maximum permissible interest rates in Florida are 18 % per annum simple interest for loans up to {$500000.00}, and 25 % per annum simple interest for loans of {$500000.00} or more. Note that those figures represent simple interest per

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against Navient, the XXXX loan servicing company, regarding their persistent harassment and unfair practices in relation to my XXXX loans. My loans were originally with Navient but were subsequently refinanced with XXXX. The transition to XXXX was motivated by the need for a more flexible and reasonable repayment plan. However, despite the refinancing & lacking the ability to keep up with {$1500.00} - {$2000.00} a month payments, Navient continues to harass both myself and my immediate and extended family members, creating undue stress and hardship for us. 

I refinanced my XXXX loans with XXXX as Navient was unwilling to collaborate on establishing a livable monthly payment plan. Navient insisted on exorbitant monthly payments exceeding {$2000.00} for private loans alone, despite the knowledge of my concurrent federal loans. This lack of cooperation and consideration has compelled me to seek a more reasonable arrangement with XXXX. 

The primary issue I am reporting involves the relentless and intrusive communication from Navient. They contact not only me but also my family members, including my parents, aunts, uncles, great aunts, great uncles, and cousins, multiple times daily. Despite my numerous requests for them to document my concerns and desist from this harassment, Navient has not only failed to comply but has also continued to propose unattainable monthly payment plans and forbearance options. These proposed solutions not only fail to address the underlying issue but also risk exacerbating my already substantial debt by incurring additional unlivable interest. 

Furthermore, I have expressed the impact of this incessant harassment on my parents ' declining health conditions, and yet Navient remains unresponsive to my pleas for a reasonable and amicable resolution. Their refusal to cease communication with additional parties not listed on file, beyond myself and my cell phone number, is both intrusive and inappropriate. 

I am left with no choice but to inform Navient of my intent to report and pursue legal action against them for harassment and unfair practices. Despite this, their persistence in their actions continues unabated. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action against Navient for their violation of fair debt collection practices. I believe that my rights as a borrower are being egregiously disregarded, and I trust that the Bureau will intervene to rectify this situation. 

Thank you for your attention to this matter, and I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: NY

Complaint narrative:
The following debts below are not mine. Please note my name is XXXX XXXX XXXX and my phone number is XXXX as verified by this CFPB account to file this complaint. 

Experian REMOVE THE FOLLOWING INFO FROM MY CREDIT REPORTS THAT IS NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

See evidence of my id enclosed

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 2023-12-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2023 a PNC representative called informing me of fraudulent charges totaling {$1400.00} on my PNC paysource card. He said it had been deactivated and would send a new card. I sent the dispute form with the charges listed. I received a notice stating they found no errors and that I had voluntarily authorized payment. I called to dispute this decision and was told that they had no record of my previous dispute. She said she would send another form to me and I should be timely with returning it. I never received it, but did receive another notice stating that there were no errors. I called back and a representative was able to verify the disputed charges, but couldn't tell me how to proceed. I asked to speak to her supervisor. This employee told me to send in a signed letter with the case number and last four digits of the card. She also gave me names and numbers of the businesses, and suggested that I call to get my money reimbursed by them. I faxed a letter to the number provided by the supervisor emphatically denying authorizing the charges and have a confirmation that it was received. I've heard no response in three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: MS

Complaint narrative:
My information was sold and bought illegally beyond was a victim of the Equifax data breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My information was sold and bought illegally beyond was a victim of the XXXX data breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports

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 2023-12-30 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
My information was sold and bought illegally because i am a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I.am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 
AVANT bankXXXX XXXX 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 response to consumer: Closed with explanation