vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NC

Complaint narrative:
XXXX XXXX XXXX has been paid as of XX/XX/22. 

The account is still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: GA

Complaint narrative:
RateGenius made multiple " offers '' to lower the rate on my current auto loan. They had several offers with different rates and different loan terms. I chose to go with the 3.5 % rate for 60 months. I clicked the " disclosures and details '' tab and it gave a very detailed breakdown comparison between my current loan and what new loan would look like and how much I would save on my monthly payments as well as the overall interest savings over life of loan. It showed my current lender, exact current loan balance, current loan rate, how many months of payments I had left. ( My auto is brand new and I had 58 payments left on a 60 month loan ). It showed every possible data fact regarding my auto loan! They even had my Vin # on my vehicle. So I clicked the " TAKE OFFER '' tab. They confirmed my address, birthdate, and cell #. They did a hard inquiry on my credit reports. They sent me a text about an hour later that said " Congratulations! Your loan is approved! Call us! '' So I called. As soon as he was on the phone he said. " We will not be able to beat your current auto loan rate. That's a very good rate. We will be much higher! BUT, what we CAN do is refinance your loan for a lower monthly payment. How does that sound? '' A complete Bait and Switch! They had zero intentions of refinancing my loan or anybody elses loan at 3.5 %! They used a fake rate to trick me into makeing loan application. Just so they could get me on the phone with a loan officer and hopefully refinance my loan at a higher rate and a lower monthly payment. A complete waste of time with their very misleading " offers ''. They damaged my credit score! ( It dropped 8 points )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed this account that is not mine several times. Equifax keeps stating they verified through XXXX which is incorrect I have my report from XXXX and this is not on there I even have letter from XXXX XXXX  stating they sent correspondence to equifax to remove said item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: 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.

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 2023-07-24 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.

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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: OR

Complaint narrative:
A checking account was opened in my name during XXXXXXXX XXXX XXXX in the state of Colorado at XXXX XXXX XXXX. I did not open this account and was done in person using a false ID. After opening this account this individual used the account and overdrafted into a negative balance. On Saturday XX/XX/2023 I received a notice in my XXXX report that indicated a new collections account regarding this fraudulent acccount gone defunct into a negative balance. The collections notice is for {$320.00}. I check my credit score frequently and was thrown back by this update in events. I have contacted XXXX, XXXX, XXXX XXXX XXXX, as well as the collections company ( Financial Assistance Inc. ) in charge of collections account. Financial Assistance Inc told me to open a dispute through the XXXX website to further this dispute and give the collections agency the authority and information to close and finalize removing the collections from my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; 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

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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was transferred from XXXX to Shellpoint Mortgage Servicing and it has been one issue after another. They called asking for a XX/XX/2023 payment when the RESPA letter indicates all payments beginning XX/XX/2023 are due to them. I had already paid my XX/XX/2023 payment early to XXXX on XX/XX/2023. I told them they needed to ensure the data transfer of the payment due date was corrected. It was out on me to prove I had made the payment. I then sent in proof of payment to their XXXX so they could research it. Naturally, I never heard back from anyone. Now I am going on 20 days since the serving transfer and still have no access to my online account with them for payment processing or account review. They have continued to tell me each time to call back if I still cant access in the next 2 to 3 days and now 20days later, nothing. Shellpoint Mortgage a division of Newrez should be contacted by the bureau immediately and resolution demanded on my behalf as it appears that since I have a XXXX hard Prepayment Penalty they will just treat me like XXXX as what choice to I have but to stay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUN LOAN COMPANY INC.
State: AR

Complaint narrative:
I am filing this complaint for a third time, because Sun Loan has still refused to address my complaint. My complaint is not about reporting or not reporting of my account. On or about XX/XX/2023 I filed a complain through the Consumer Financial Protection Bureau. In this complain I made a demand for Sun Loan to cease any and all communication with me, which is my right under Federal Law, 15 USC 1692c ( c ), as well as Arkansas State Law, ACA 17-24-504 ( c ). On or about XXXX, XX/XX/2023 I received a call from XXXX, which belongs to Sun Loan . Then I received another called on or about XXXX, XX/XX/2023, from XXXX, where the caller was identified as XXXX and who identified themselves as a Sun Loan employee. Both of these phone calls are clear violations of 15 USC 1692c ( c ), as well as ACA 17-24-504 ( c ). Under each of these laws I'm afforded civil damages of up to {$1000.00} per violation. On or about XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau demanding that Sun Loan address this complaint. At which time, I gave Sun Loan 30 days to address the violations or I would be filing a lawsuit for damages under 15 USC 1692c ( c ), as well as ACA 17-24-504 ( c ). The date for this action is XX/XX/2023. If the violations are not addressed by this time I will be filing a lawsuit for violating the aforementioned laws. I will also be filing for relief of {$1000.00} per violation per law. At this time, my only settlement offer is to file to vacate or set aside the judgement against me by them through XXXX XXXX. If their lawyer would like to send me that settlement offer I will sign it as soon as received and I will cease filing complaints. If Sun Loan continues to not address my complain, I will also be filing complaints with the Arkansas State Attorney General, Oklahoma Attorney General, and the United States Attorney General.

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 monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX I became aware that a charge was made to a card I did not use recently. I reported it as fraud to the company Barclays and subsequently closed the account since this has never happened on any other card I have had and I had no confidence in this company. Today XX/XX/XXXX I receive a call that my account is now in default for nonpayment. They are trying to make me pay for a charge that was reported as fraud. I risk having my credit score negatively affected.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-24 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: TAG Intermediate Holding Company, LLC
State: TX

Complaint narrative:
If the reinvestgation under XXXX of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or XXXX be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove tricolor for my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: MS

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Santander Consumer USA regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with Santander and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with Santander Consumer USA, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into Santander Consumer USA 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this unknown inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: DISCOVER BANK
State: NY

Complaint narrative:
Approximately XXXX months ago, I sent a letter to Discover Financial Services via the U.S. Postal Service at the address provided on my XXXX credit report ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to report two unauthorized inquires on my credit report ( XX/XX/2022 and XX/XX/2022 ). 

Approximately 2-3 weeks later, the letter was returned to me by the U.S. Postal Service as " Undeliverable ... Addressee not at address. '' I then phoned Discover Financial Services and was told that the inquires would be removed. The inquiries have not yet been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCT # XXXX BALANCE 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 2023-07-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I traded in my car XX/XX/XXXX XXXX XXXX XXXX was paid XXXX owed. To this day XXXX, XXXX and experian still show I owe that loan is closed..when i log in it says closed paid off so why is this not reflected on my credit reports a month later!

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 2023-07-24 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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account name 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account name 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 non-monetary relief