vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX XXXXXXXX : XX/XX/XXXX, XXXX  XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be advised that this is an official attempt to correct or delete the inaccurate information on my credit report and to remove all fraudulent reporting immediately. This is not a claim of identity theft ; in fact, you are also aware of the violations youve committed by continuing to report this information. 

Ive notified you of inaccurate information on my credit report and yet, youve failed to enter the required notice of dispute pursuant to section 623. You are now in violation of said section by continued reporting and must immediately remove the inaccurate information found on my most recent dispute letter ( see enclosed ).

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I am requiring immediately that you remove said inaccurate information in accordance with FCRA Section 623 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXX account- XXXX Additionally, I am requiring that you provide me with proof that an investigation has taken place, including ( but not limited to ) : Documentation that was used to prove accuracy and come to a verified response Documentation proving that an independent investigation took place and that the use of e-Oscar was not your sole method of determination Documentation of who verified this information Copies of applications, contracts, transactions, etc. that verify ownership of said account information All other relevant documentation that supports your claim also I didn't get a 1099 c from XXXX XXXX. 

Lastly, you have not removed the additional addresses and other personal information that Ive listed as being reported incorrectly and now this is just a blatant disregard for my information. 



The ONLY information that should be reported on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX SSN last four- XXXX/DOB XX/XX/1982

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 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Dont hav any knowledge of this car loan its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One Auto Account listed on my credit report that doesn't belong to me. I have sent in a debt validation letter to Cap One and my letter was ignored several times. I also sent in a ftc report because I was a victim of identity theft. I asked for the original contract with my wet signature as well as an audit trail of all accounting in regards to the origination of the so called loan and I never received anything in return. I demand that this account get removed from my credit report as soon as possible before I take legal actions. This account has been hurting my reputation with the banking system and I need this cleared from my credit report immediately. This account does not belong to me and I need capital one to stop reporting this fraudulent account and remove it from their records immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accounts associated with these name ID # XXXX, XXXX, XXXX, XXXX Address ID # XXXX, XXXX Accounts associated with XXXX XXXX XXXX, XXXX XXXX XXXX-I never opened an account with them. I don't know who they are. 
Some of my accounts are over 5 years old. 
XXXX XXXX, XXXX, and XXXX credit cards are 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 2023-07-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Accounts associated with these name ID # XXXX, XXXX, XXXX, XXXX Address ID # XXXX, XXXX Accounts associated with XXXX XXXX XXXX, Credit Service Collection-I never opened an account with them. I don't know who they are. 
Some of my accounts are over 5 years old. 
XXXX XXXX, XXXX, and XXXX credit cards are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I believe it was XX/XX/2022. I pay my car payment myself not on auto pay and went to pay it and they told me they couldn't take the payment because of the bank Taking back 3 months of payments. And they gave me 2 days to get all the balance due or they were going to repo my car. So I called the bank and of course at first no one knew how it happened and were supposed to send the lender a letter explaining what happened and that they would return the payments to keep my car. But they didn't and the second day I got a call from work work saying they are towing my car. So I get back on with the bank and then contacted the corporate office and took them a like 2 weeks to reply in a email. Meanwhile I had to fill Bankruptcy because of that and I just built my credit up from a previous bankruptcy so I'm really mad about that! Anyway a few back in forths and a month later I heard back again and they are still looking into it. So in XXXX XXXX XXXX  you this happened in XX/XX/XXXX I grt a call from corporate office telling me there is nothing they can do because someone that didn't sound anything like me and that's their words but some how had my account info and had the payments pulled back! And this is after seeing several bank accounts in my name I didn't open. Anyway they said they can't do anything but me and my lawyer feels they owe me XXXX for the balance of the car they let someone takes payments back on! I'm pretty that's the dates but I have them and the emails. I stayed banking with them because my lawyer told me too in case they compensate me for my car. Never did and never heard back from them again.

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 2023-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Hello, I bought auto insurance for my car from XXXX XXXX XXXX, and I paid {$200.00}, then I made a cancelation on the same day, then they refund my money to my bank account. And that is it. And then they called me to pay {$200.00} again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: MN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account # 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.

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 2023-07-30 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: MN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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.

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 2023-07-30 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: MN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
This is the second attempt at this company as you have it wrong by the first decision as I believe you misunderstood what the issue is. Let try this again with more clarity.

Me, Myself or I NEVER gave this NON PROFIT ORG 501 ( C ) 3 a SSN, who has and is deceptively trying to collect a debt as a debt collector. So now let me ask you this. How in the actual XXXX  can a NOT PROFIT ORG 501 ( C ) 3, DEBT COLLECTOR who got this SSN by whatever OR however means. A NOT FOR PROFIT 501 ( C ) 3 that has a deduction for public charity from organizations. Well guess what, I am the beneficiary of that organization with all my notices, documentation and whatnot describing who I am into the public. Getting threats by an attorney who got this SSN through this NON PROFIT ORG. 501 ( C ) 3 with threats of being jailed if I don't pay to there charitable NON PROFIT ORG. 501 ( C ) 3. I have evidence of everything I'm telling you whereas the first time you state they did nothing wrong. THIS IS UNACCEPTABLE NOT to mention crimes are being committed by this NON PROFIT 501 ( C ) 3 ORG and you're telling me they did nothing wrong. How about sending a name behind the next denial statement. This needs to be investigated. I have discovered how this system is suppose to work, MY SIGNATURE CREATED THIS LOAN AND THEY STOLE IT! DO YOUR JOB!!! I OWN THE COPYRIGHT AND TRADEMARK/TRADENAME OF THIS LEGAL FICTION/CORPORATE ENTITY THAT WAS CREATED UNLAWFULLY. I am the beneficiary of the XXXX XXXX XXXX  trust I attempting to get an accounting of and they are refusing to provide ANYTHING. In there debt collection letters they state, " if you file for bankruptcy, you are still required to pay the whatever or I won't get the title to this property ''. You know what they call that?

EXTORTION, XXXX  JUST TO NAME A COUPLE. 18 U.S. Code 894, 18 U.S. Code Chapter 95. THIS IS CORRUPTION. I never signed any contract with these people as this debt was SOLD to these crooks and I have proof. They claim to be the original lender, then claim they are not the original lender from another party of this NON PROFIT ORG. 501 ( C ) 3.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an account related to my SSN and my name. It was set up in XX/XX/XXXX and ordered some cable services. The user stopped paying for the cable since XX/XX/XXXX and never returned the cable. It charges me XXXX dollars now for the cable and delay fee. 

I leave the US country in XX/XX/XXXX and back in XX/XX/XXXX. I never ordered cable and have yet to learn what happened to that 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 non-monetary relief
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am victim of identity theft.The information appears on my credit report does not relate to any transaction ( s ) that i have made. It is the result of identity theft.

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 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I contacted XXXX XXXX Chrysler in regard to a purchase of a new vehicle. I went through the same process I would have anywhere else. The lender, Chrysler Capital, and the finance manager at the dealership requested a ton of documents as proof of income and I provided 12 month 's worth of Paycard statements, two years of tax returns, and all of my bank statements over the last 90 days. Along with all of my basic necessity documents to qualify for the loan. 

The loan was for {$35000.00} at 16 % interest and the payments were going to be 75 months at {$640.00} a month. The only reason the interest rate is what it is would be because of debts incurred waiting on unemployment and COVID related delinquencies. Again, waiting on unemployment and applying for thousands of jobs in all sectors because my resume is universal. 

I was told that because of my " self-employment '' that I had to be able to average out to {$5500.00} a month in pay in order to secure the loan. Well, if the interest rate wasn't 16 % the payments would be way lower. As I have never had a loan at that high of a rate for a car or a mortgaged home. 

While I understand what is transpiring here, I have a full background in finance. And I'm quite educated in what is going on here. 

I am a single female, making roughly {$75000.00} a year in self-employed income and I just got denied a loan for a car. So, they received all necessary documents to complete the process, that I would most definitely make with the intention to refinance. 

I find this loan process to be discriminatory, predatory, and an outright insult to make a XXXX-year-old woman out here independently on her own making her own money to not be approved for an auto loan. I shouldn't need a co-signer. And to top it all off, my credit is what it is due to decisions my government made causing massive inflation and debts that I would have resolved had I been employed ( jobs available ) and my unemployment was processed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
While you may not be successful in convincing a debt collection agency to comply with a pay for delete request, it cant hurt to try. However, its important to wait for written confirmation that a collection agency has accepted your offer before you proceed with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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