vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-07-14 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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This creditor should not be reporting on my credit report. There is no debt owed. 

NATIONAL CREDIT ADJU Last reported XX/XX/XXXX {$0.00} Open balance NATIONAL CREDIT ADJU Original creditor Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type - Responsibility Individual Remarks Paid collection Original creditor name NATIONAL CREDIT ADJU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I recently reviewed my consumer report and noticed several inaccuracies that need to be addressed. Specifically, there are closed accounts on my credit report that require further investigation and correction. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information. However, my consumer report contains the following inaccuracies : Discover Bank ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$560.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$3600.00} Highest Balance : {$3700.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In addition to the inaccuracies in the account details, I have also noticed that several of my consumer rights have been violated. According to the FCRA, specifically 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. Therefore, any late payments that I am not responsible for should not be reported on my consumer report. 

I am aware of several other consumer rights that have been violated and am prepared to pursue civil liability damages that I have suffered as a result of these violations. Please investigate and provide proof with statements showing the accuracy of these reported accounts. If proof can not be provided, I request that the inaccuracies be corrected and DELETED so the accounts wont hinder my life. 

Thank you for your prompt attention to this dispute. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your swift resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
I was trying to buy a house and noticed I had damages on my credit report. According to the 15 U.S.C. 1681 law there should not be any damages on my credit report as it is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to fraudulent investment firm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of information that NMAC has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for NMAC to furnish my information to creditors or obtain my information from other sources.

Upon reviewing my credit report, I have noticed entries that suggest NMAC has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX XXXX : Navy Federal Credit Union, Account Number : 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I leased a vehicle from Kia XXXX XXXX  under duress and the person who usually services leases was not available and the dealer XXXX XXXX insisted I lease the car as he could not make a needed change on the old lease due to my divorce. So I did it. It was not explained to me that at the end of the lease I would incur a charge if I did not purchase or lease a car from them at the end of my lease. At the end of my lease, I was told I had to turn in the car 2 days early since the lease end date was on a Sunday and they were closed. When I turned in the car 2 days early, I was told because I was recently XXXX and had no income, that they could not help me get another car. Shortly after that, I received a bill from Kia Finance. I called and informed them I was not paying a fee that I was never informed about and that I had no income at the time to pay the fee. They said it was due anyway. Since I was never informed about this fee and the dealership refused to help me secure another car, I felt I should not have to be in debt for this fee. They did not respond but eventually sent the bill into collections. They put a chargeback on my credit report without any notice. Eventually due to my XXXX I had to sell my house. I tried to rent an apartment in XXXX MI and I was refused due to the charge back. I contacted Kia finance and they offered me a discounted rate to pay it off. In XXXX of 2024 the entire amount negotiated was payed by me even though the amount was higher than the original amount. I was was told in XXXX of 2024 I would receive a letter showing the account paid in full and closed. They said I needed to write to their credit department to get it off my credit report. That didnt happen so I contacted them again. Still they did not send confirmation. I am still waiting for this to happen. For some reason when I became XXXX, my credit score took a dive. I have a long history of very good credit. This happens to be the only bill I have ever refused to pay in my entire life. How can a XXXX dollar company target people like me and ruin their credit? If it cant be removed, at least report the correct information on the account, please.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed this information via mail twice and got no response. Then I dispute it online and add documents. Equifax says they verified it with XXXX XXXX. XXXX XXXX removed this information because they can't verify it. I provided that information to Equifax and they still report it as accurate via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Lowes, offered 20 % off on first purchase up to the maximum of {$100.00} when you sign up for their store credit card. I signed up and was offered the credit card. I made my first purchese of a washer and dryer. 

Did not receive the promotion. I called the store. Store told me to contact the credit card company. I did and was told to dispute the charge. Credit card company denied the dispute.

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 2024-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Santander USA has never been able to produce a document or documents sent to me speaking of the charge-off attempt or any debt settlement offers or anything of the kind. They have falsified documents that were never sent and produced no evidence that they notified me off the potential charge off or anything of the nature that's required by law. They have numerous class action lawsuits regarding the same issues. I have made repeated attempts via phone call via email via certified mail and vian USPS to settle the debt and they will not accept my payment. Attached is one such letter that I sent certified mail. Each time they respond they ignore the request to show me or anyone else documentation that they mailed clear letters stating that my car would be charged off and my loan would be charged off. As you can see from the attached screenshots the letters and the last payments made. I was still paying on this vehicle consistently and they charged it off in the month of XXXX they told me and then they moved the charge off date to XXXX when that is not true. I have different credit reports that report different charge off dates and the first ones were XXXX and the later ones were XXXX and then they changed it to XXXX. There were no notifications sent during the months of XXXX which is the only month that would have been able to send charge off notifications because now they look like they change the charge off date to XXXX. I made a payment in XXXX. They kept telling me I didn't owe a payment and that is why it looked like I skipped a date and I made XXXX payments in XXXX. So when XXXX came around they said I didn't need to make a payment therefore I did not and that was during a recorded conversation on the phone. They told me I did not owe a payment until XXXX and XXXX and so on. I kept paying. For years they would apply my payments to only the interest and nothing would be applied to the principal. It wasn't until I complained that they recalculated the interest rate and stopped doing that. I had to file a complaint with the DIFS in Michigan and the attorney general 's office in Michigan. I have copies of both of those complaints. I want them to produce evidence of the charge off notification that are not created recently and evidence they sent this to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : JPMCB Card, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XXXX, it appears someone tried to open/ apply for credit using my information. XXXX sent my credit file to the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES. XXXX XXXX and on XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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:
The Transunion Inquiries from XXXX XXXX XXXXXXXX are supposed to be removed, they are inaccurate due to the false communicate of their Banker XXXX XXXX, whom constantly product incorrect product information that myself and business were eligible to apply to and I was not eligible to apply to either one of them.

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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have an Ally Bank credit card. I've tried the last two months to make my payment early and I select the payment date as the date I am making the payment. But everytime I submit my payment the payment date changes to the due date and the payment is not processed until that date. It seems like they are fraudulently holding payments to collect more interst. Typical hold times on other bills I pay is 2 or 3 days Ally will hold my pending payment sometimes over a week.

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