vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I believe that aggressive pressure was used to get the applicant to sign the loan. I was mislead about when my responsibility as a guarantor would end. I was told 5 year. I didn't hear from then for 13 years about the loan. I asked to be released as the loan payment where greater than two years as is their requirement. They are making it impossible for me to be released so I'm requesting copies of receipt of notification of the loans being sold/transferred as is required by law. I'm asking for a copy of the original loan too see if I have arbitration rights and I'm asking for an accounting on this loan since its inception in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am writing to inform you that I am represented by legal counsel regarding the debt collection matter involving this account. Please direct all further communication regarding this debt to my attorney at XXXX It has come to my attention that your company has engaged in illegal and harassing practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Your repeated calls, often without proper identification, have constituted harassment and have infringed upon my constitutional rights. Furthermore, my information has been registered on the XXXX Not XXXX XXXX, and your continued calls have violated that regulation as well. 

I have previously requested a debt validation letter, which you have failed to provide. As such, I am reiterating my request and demanding the following information : A detailed history of payments made on the alleged account by me. 
A copy of my wet signature on a contract guaranteeing payment to the creditor. 
Any and all insurance claims filed on this debt. 
Proof of chain of title to collect on this debt. 
Your failure to provide the requested information has caused me financial harm and has negatively impacted my creditworthiness, resulting in denial for future lending opportunities. Therefore, I am demanding {$2000.00} to compensate for the violation and financial harm caused by this invalid debt. 

Please provide the requested information and compensation within XXXX days of receipt of this letter to avoid further legal action.

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 2024-04-16 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: MO

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I discovered in XXXX my identity was stolen. I have XXXX  fighting this for XXXX years. I was able to get XXXX reports. They are reporting fraudulent accounts that are XXXX XXXX XXXX and two fraudulent accounts that are XXXX XXXX XXXX. Status of limitations is 7 years. But it gets worse I have a freeze and fraud alert and my reports locked. When opening up to look at my report the lock was open. Now that explains how a credit card was open this year. 
But they claim to verify everything.They verify nothing. There is on account that is states negative but there is no money, it says no status. Why is that not been removed. It also states upon putting a freeze alert theme credit reporting agencies are to inform me that a hard copy is not or going to be done. 
Well I just discovered again they dont follow the law. They allow 4 or 5 hard copies to be not without my permission.when i discovered my identity was stolen I went on to XXXX a brought everything ( hard copy ) books to learn how to fix my identity. I feel like Inhave been XXXX over and over just with out the physical act of. They broke my civil rights, and destroyed my Character XXXX? years.But, they stand behind their lies and state its been verified. 
I am mentally tired how do I get the last 10 fraudulent accounts and hard inquiries removed permanently. I only want my positive account in my reports. 
The best is transunion They yelled at me and said they have everything verified on me. We they were living. I started working at the high school in my town on XX/XX/XXXX. They are reporting I started XX/XX/XXXX. That would make me XXXX years older than my mothers. But they swear it verified. They have the incorrect information on when I retire and the rest is the same accounts they are keeping on my reports for 30 years and 11 years. I wan to make then accountable for what they have done to my mental state and physical health. I want to sue them for XXXX XXXX dollars. Please you dont understand I always follow through. Thats how come I was able to catch them lying.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, I am a customer with capital one for XXXX years. I want file a complaint about my credit interest charges. 
In XX/XX/XXXX evening, I received a letter from capital one, tell me my accounts are frozen, I should call a number to unlock my accounts. 
In XX/XX/XXXX, I made a phone call. They tell me they can not take care this issue during weekend. Ask me call them later. 
In XX/XX/XXXX, I called them and unlocked my account. I have XXXX checking accounts, one has more than {$32000.00} and the other has more than {$6000.00} in the accounts. 
I set up autopay for XXXX years, this month the payment date is XX/XX/XXXX. They can not charge me because they frozen my accounts. 
In XX/XX/XXXX, XXXX day after unlock my account. they charged me interest {$89.00} from my credit card and {$4.00} from my wifes credit card. 
In XX/XX/XXXX, they charged me {$27.00} for past due fee and {$25.00} from my wifes credit for past due fee. 
In XX/XX/XXXX, I found these charges when I check my online banking. So I call them, they transferred me XXXX times, from XXXX department to the bank department, and from bank to the credit, and to the bank, and to the credit- - - Finally, they said they can return my past due fee, because I didnt anything wrong to cause the pass due. But they can handle the interest, its above them authority. They give me number ask me call them. 
In XX/XX/XXXX, I made a call, after transfer me several times, they said they can not refund me the interest charge. 
This is why I am here, I think I didnt do anything wrong. I have enough money in my bank accounts and I set up autopay. They can not withdraw money from my account because they frozen my accounts. I unlocked my accounts as soon as I can. 
For example, I owe you {$10.00}, I want return {$10.00} to you with cash, but you refuse take it. Can you charge me past due fee? 
I am asking capital one refund these XXXX interest charges. XXXX is {$89.00} and XXXX is {$4.00}. 
I believe every phone call we made have been recorded. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
XX/XX/XXXX of XXXX, I entered into a consumer credit contract with One Main Financial. 
XXXX XXXX XXXX  Finance charge {$3500.00} Amount Financed XXXX TOP : XXXX {$190.00} due monthly At the time I was pregnant and unable to work as I gave birth to my son XX/XX/XXXX. I was told before obtaining the loan if I signed for XXXX insurance it would cover my monthly payments until I started back working. This was not done and I was later told after a month my coverage was not eligible. As of XX/XX/XXXX I am RESCINDING XXXX  and XXXX insurance as stated on my consumer credit contract. 


I went into default and the contract charged off XX/XX/XXXX. 

Charge off- WRITE OFF of a debit and termination of servicing activity without release of liability. A charge off is a decision by an agency to remove debt from agency receivables, however, future payments XXXX be received. ( XXXX ) In an effort to correct my default, I submitted a XXXX to the IRS which was accepted XX/XX/XXXX and mailed XX/XX/XXXX. One Mains  correspondence is attached in which they alleged the instrument is not acceptable and even went as far to threaten to invoke any of the remedies specified in my loan agreement. This is a violation of 12CFR Part 1006.18 False, deceptive, or misleading representations or means. One Main has no security interest in my contract because the consumer credit contract was unsecured. Subsection 2a : A debt collector must not falsely represent ( ii ) Any services rendered or compensation that may be lawfully received by any debt collector for the collection of a debt.

UCC 3-603b- If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am in objection to this type of reporting because : They have knowingly submitted my personal information to consumer reporting agencies, the result of their deceptive behaviors have successfully created this tradeline with late payments on my credit report. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Except as authorized under subsection ( b ), 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 XXXX years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. I demand you delete this late payments from this tradeline across all consumer reporting agencies and no further action shall be taken on my end. Failure to comply then I will take the necessary steps in order to obtain justice due to your unfair and deceptive collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting and FCRA Violations Dear XXXX, Equifax, and XXXX, I am writing to dispute the inaccurate information being reported on my credit report regarding my XXXX XXXX account. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has significantly impacted my creditworthiness. 

There are inconsistencies in reporting between XXXX and Equifax regarding my last payment date for the XXXX XXXX account. XXXX states it was XX/XX/2022, while Equifax claims it was XX/XX/2022. Additionally, there is a discrepancy in the reporting of my XXXX, XXXX, and XXXX late payments, with XXXX reporting them as XXXX while Equifax provides different information. 

This inconsistency has caused confusion and undue harm to my credit profile. I have diligently collected evidence through XXXX XXXX to substantiate these claims, and I urge you to conduct a thorough investigation into this matter. It is imperative that this inaccurate information be rectified promptly to restore the integrity of my credit report and ensure fair and accurate reporting. 

I request transparency throughout the investigation process and timely communication regarding the steps being taken to resolve this dispute. Failure to address this matter will leave me no choice but to pursue further legal action to protect my rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting and FCRA Violations Dear Experian, XXXX, and XXXX, I am writing to dispute the inaccurate information being reported on my credit report regarding my XXXX XXXX account. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has significantly impacted my creditworthiness. 

There are inconsistencies in reporting between XXXX and XXXX regarding my last payment date for the XXXX XXXX account. XXXX states it was XX/XX/2022, while XXXX claims it was XX/XX/2022. Additionally, there is a discrepancy in the reporting of my XXXX, XXXX, and XXXX late payments, with XXXX reporting them as XXXX while XXXX provides different information. 

This inconsistency has caused confusion and undue harm to my credit profile. I have diligently collected evidence through XXXX XXXX to substantiate these claims, and I urge you to conduct a thorough investigation into this matter. It is imperative that this inaccurate information be rectified promptly to restore the integrity of my credit report and ensure fair and accurate reporting. 

I request transparency throughout the investigation process and timely communication regarding the steps being taken to resolve this dispute. Failure to address this matter will leave me no choice but to pursue further legal action to protect my rights under the FCRA. 

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX After reviewing my account, I noticed there was fraudulent activity reporting. There are accounts that I have no knowledge of or relationship with. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. I have no obligation to pay a debt collector and amount that is alleged and not mine. XXXX XXXX XXXX XXXX US Code 1692f ( 1 ). Unfair Practices PLEASE DELETE THIS ACCOUNT 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 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
We visited XXXX XXXX XXXX on XX/XX/XXXX and they offered to sell us their time share. We told them we already have a timeshare with XXXX XXXX, Florida. They asked can we do the title search of your property if it was ok with us. We said yes. At XXXX XXXX the same day, they said your property was worth # XXXX and our two-bedroom lock-off XXXX was also {$31000.00}. If you both agree ( me and my wife ) we will draw up the paperwork and go from there. The paperwork was signed very late in the evening and we were really very tired, being XXXXThe next day morning we read all the paperwork and something did not look right to us. If the property was a swap, why they ask us to sign on paperwork for the XXXX, for which we had no interest & also a down payment of {$6800.00}? They said please do not read too much into it, it is just a security for us in case you renege on your deal with us, once you reach XXXX.But we insisted that they draw up another set of paperwork stating that the buyers have no interest in the purchase of their XXXX case the XXXX XXXX do not purchase our property, the the agreement will be null and void. The XXXX XXXX contract # XXXX ( the purchase of the XXXX  ) was linked with XXXX contract # XXXX ( Purchase of our timeshare in Florida ) When we reached the XXXX, something was still bothering us and we sent them an email exercising our five-day recession right to cancel the fractional ownership of the purchase of the XXXX  but we were still interested in the liquidation process of our timeshare..We also called XXXXXXXX XXXX and put a stop payment on the Studio 's down payment of {$6800.00} paid by us. We called XXXX XXXX XXXX XXXX on XXXX and XX/XX/XXXX to find out the status of XXXX XXXX purchase of our property from XXXX was no inquiry for the purchase of our XXXX suspicions became true that it was all a fraud and a prey upon the XXXX  Their interest was only to sell their Studio to us and nothing else.We sent XXXX, emails on XXXX, and XX/XX/XXXX regarding the status of our liquidation process-we are working on it.No progress at all.If they are really serious about the deal, we challenge them to buy our XXXX property and in turn we will buy their two-bedroom lock-off XXXX, but no 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 2024-04-16 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: FL

Complaint narrative:
Upon me checking my credit reports i discovered XXXX fraudulent acccounts on XX/XX/year>

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 2024-04-16 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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