vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-03-03 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: AES/PHEAA
State: KY

Complaint narrative:
This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. 

I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The loan was paid in full in 2021 and my credit report is reflecting it as negative and closed which is inaccurate it was in good standing

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 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I received a statement from Capital Accounts stating that I had an account with XXXX XXXX. I do not, nor have I ever owned any vehicle that was serviced by XXXX XXXX. The vehicle that was serviced by XXXX was owned by a corporation XXXX XXXX Any account that would have been created between XXXX and would be the responsibility of the business and not me as an individual. 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors 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 information is inaccurate. Checking the vehicle registration with the VIN number would confirm that information. Capital Accounts failed to accurately verify that I and not a business was responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Flexible Finance, Inc.
State: NC

Complaint narrative:
Im a Renter @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then 7 mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office which I am not even on current lease my wife and son are, respectively, XXXX XXXX and XXXX XXXX XXXX so Im not sure how Flex even obtained my name and my personal information as I personally never signed up to Flex or even create a renters deal with them using my name, my signature or made any deal such forth they will pay the rent my wife and son reside@. . XXXX gets XXXX dollars per month from me from my XXXX XXXX XXXX account I can not arrest or help as to why XXXX  XXXX will not pay back Flex but that is between them. I paid rent same exact time flex did whatever they did so if XXXX is if XXXX XXXX is holding and keeping unauthorized monies that does not fall as my responsibility as I never signed nor agreed to pay flex nor am I on any lease to do so! I am not paying Fkex back rent payments because XXXX wants to be double fisted. Im told Flex nor XXXX will correct this matter. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then 7 mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office and all Im told Id Flex only has a email and there is nothing that can be done meanwhile XXXX is not only getting my full months rent directly withdrew from my checking on the XXXX of every month they are getting paid by this flex finance keeping the money and flex is charging me. My credit went from XXXX to XXXX with XXXX XXXX with XXXX. Flexible Finance only number and all you will get is a email is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please see attachment below my FTC report is attached the companies that have currently been harassing me. As well as the Inquires

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a Lowes Advantage Card with Synchrony Bank. The orgininal amount approved for was {$5000.00}. They increased my credit limit to {$6000.00} which encouraged me to purchase carpet with 18 or 24 months no interest that was solicated in the store. As soon as I made the purchase they decreased my credit limit to {$3700.00} which put me at a 97 % usage on this card and it dropped my credit score XXXX points. I called several times to increase my credit limit back to the {$6000.00} that they had increased it to or at least the {$5000.00}. They set me notice after the fact not 45 days prior to doing this unethical practice which I read on this website that it was required to be done. I generally pay more than the minimum payment on all my credit cards. I was never in default on this card. I feel very hurt by this by this unethical practice. If I pay this account in full and close this account that will also decrease my credit. This was a hard way to find out that this could happen. I feel scammed mislead mistreated and abused by this company. If I knew this could happen I never would of applied for this card! I thought Lowes was a reputaul company that could be trusted to do business with. Now it has damaged Lowes reputation too!

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 my account at Bank of America was closed because of suspected fraud activity someone tried to deposit a check into my account i denied the transaction because I knew nothing about so they closed the account and filed a consumer report on me with XXXX XXXX I never used this account they told me after I opened a investigation that the consumer report would be dropped but they never dropped the report now I have a business and cant open a business account

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Accscient, LLC
State: NC

Complaint narrative:
the account includes medical billing information that was billed to insurance. have disputed information on the account and am unable to dispute it. 
the account includes information on accounts that have been paid. continues to show on report.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account 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 XXXXXXXX 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

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 2023-03-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-03-03 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:
The company XXXX XXXX tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX  the Account from XXXX XXXX, the account number is XXXX and XXXX XXXX has violated my rights. 15 U.S.C 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 an 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 2023-03-03 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:
The company XXXX XXXX tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX the Account from XXXX XXXX, the account number is XXXX and IC systems has violated my rights. 15 U.S.C 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am writing to file a complaint against Monterey Financial Services LLC, located at XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. 

Monterey Financial Services LLC transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. 

Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. 

Monterey Financial Services LLC has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code Monterey Financial Services LLC 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
On XX/XX/2023, at about XXXX, my partner had her wallet stolen out of her car in XXXX XXXX XXXX RI, containing her driver 's license and Santander debit card. We are co-owners of a checking and savings account at Santander. At around XXXX, she canceled the Santander debit card. At around XXXX, she filed a police report with the XXXX XXXX police dept. 

On XX/XX/XXXX, 2 fraudulent checks totaling {$5000.00} were cashed at a local branch of the bank without our knowledge, using the stolen driver 's license and canceled debit card. The checks bounced on XX/XX/XXXX, and our savings account was debited {$5000.00} ( roughly the total balance ) On XX/XX/XXXX, I discovered the fraud and contacted Santander at XXXX XXXX. They opened a fraud claim and stated they would close the savings account once it was resolved. 

On XX/XX/XXXX, my partner called Santander to learn more about the incident and was told they could not provide any other information. 

On XX/XX/XXXX, my partner was contacted by the case investigator at Santander, and was told that he had reviewed surveillance video from the branch that cashed the check, and that the video was not of her. He assured her that our money would be refunded. 

On XX/XX/XXXX, my partner emailed the investigator to learn what personal information the perpetrator had that allowed them to access our savings, beyond a driver 's license. No response. 

Sometime between XX/XX/XXXX and XXXX, my partner called again to learn more about the status of the case and ( again ) what personal information was used to cash the checks. She was told Santander couldn't give any more information. 

On XX/XX/XXXX, we received a notice by mail that the investigation was completed, and Santander had decided that " the video confirms that you were present in the branch '' and that they are not at fault ( obviously this is incorrect ) On XX/XX/XXXX, I called Santander 's Fraud department and was told that it should not have been possible for somebody to cash a check using only a stolen drivers license, and that since the debit card was already canceled, it should not have possible for the fraud to have occurred in the first place. " That was somebody falling down on the job. '' When requested basic details about the incidence ( time, branch location, what personal identification was used to cash the checks ), they refused, and said they could not provide us the video evidence they used to make the determination. They provided no other information about the case, and it has remained closed. 

Santander to date has not refunded the stolen {$5000.00} to our savings account.

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 2023-03-03 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: FL

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 # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX  XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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

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