vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I received a letter from Synchrony Bank indicating that they are now charging XXXX per statement to receive a paper statement in the mail. This notice also stated that their interest rate was being increased to XXXX % on new purchases. I cant believe that a bank charging XXXX % interest has to charge XXXX for a paper statement. This is blatant gouging of consumers. I definitely wont be making any new purchases, but need a paper statement to clearly access my account and verify previous charges, bank fees etc. Forcing consumers to use online statements or pay a fee is not what I signed up for when opening this account and feel that this practice is unfair and helps banks/credit card companies slip things by consumers as online statements are sometimes missed or cant be accessed. Please do something to stop this unfair practice.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
XXXX I recd an alert abt a charge for {$230.00} for a XXXX. I immediately called the Fortiva Fraud # to let them know that was not me. I informed them I had not been using the card bec I was trying to pay it off. My last charge was in XXXX or XX/XX/XXXX. The rep verified and stated they would cancel the card & investigate. While talking with them. I looked at my statement, it showed the same charge being charged twice. Along with other fraudulent charges on XX/XX/XXXX XXXX XXXXXXXX  {$47.00}, XX/XX/XXXX for XXXX XXXX XXXX for {$5.00}. I did not even rec notification abt these. I was told to call the co that submitted the charges. I did and was told, they could not give information XXXX I had filed a dispute with my credit card co and they referred me back to Fortiva. I then called Fortiva and let them know what i was told. I then recd a letter from Fortiva stating they completed there investigation and I had made the charges. I asked for the XXXX address they claim was mines and they stated I should have recd an email of which I did not! I also called XXXX and they again refuse and sent me back to XXXX. I just want those charges removed so I can cancel this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with Capital One Auto Finance XXXX I have been making payments on my auto loan for the vehicle financed through Capital One Auto Finance. My current balance, according to my latest statement from Capital One Auto Finance dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, Capital One Auto Finance is engaging in practices that cause undue harm and stress to me as a consumer.

I have contacted Capital One Auto Finance to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence.

I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My credit is on freeze status. On my XXXX XXXX, 2024 Drive Financial reported an inquiry on my credit report which I did not apply for. 

Please remove immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercury Financial Intermediate LLC
State: OH

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, XXXX  XXXX  Dear XXXX XXXX XXXXMERCURY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Ohio Revised Code Section 2913.49. 

It has unequivocally come to my attention that XXXX XXXX T/MERCURY has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically Section 2913.49 of the Ohio Revised Code, underscores the severity of unauthorized access and misuse of personal information. This statute establishes clear guidelines and consequences for identity fraud, emphasizing the protection of consumer information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXXMERCURY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX XXXXMERCURY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Ohio state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Ohio state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXXMERCURY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: NC

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 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 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 explanation
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with XXXX XXXX XXXX XXXX XXXX I have been making payments on my auto loan for the vehicle financed through XXXX XXXX XXXX XXXX. My current balance, according to my latest statement from XXXX XXXX XXXX XXXX dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, XXXX XXXX XXXX XXXX is engaging in practices that cause undue harm and stress to me as a consumer. 
I have contacted XXXX XXXX XXXX XXXX to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence. 
I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with XXXX XXXX XXXX XXXX XXXX I have been making payments on my auto loan for the vehicle financed through XXXX XXXX XXXX XXXX. My current balance, according to my latest statement from XXXX XXXX XXXX XXXX dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, XXXX XXXX XXXX XXXX is engaging in practices that cause undue harm and stress to me as a consumer. 
I have contacted XXXX XXXX XXXX XXXX to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence. 
I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with XXXX XXXX XXXX XXXX XXXX I have been making payments on my auto loan for the vehicle financed through XXXX XXXX XXXX XXXX. My current balance, according to my latest statement from XXXX XXXX XXXX XXXX dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, XXXX XXXX XXXX XXXX is engaging in practices that cause undue harm and stress to me as a consumer. 
I have contacted XXXX XXXX XXXX XXXX to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence. 
I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I need capital One to return all funds paid electroncally this is my final notice before I start The court proceedings I must remind capital one starting a court case is free in the united states im fully aware of my rights and no adqeuate consideration was given in this consumer credit trasactions also respond to me in writing sign it under penalty of perjury as well you can reach me at XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX this not a joke this is MY LIVELIHOOD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I was never served I received a document last week showing that I went into default judgement for : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7000.00} Open Date : XX/XX/year> Close Date : XX/XX/year> The cards I had with XXXX XXXX  had been closed as of XX/XX/year> my credit was bad and I wouldn't have been able to get approved for other cards, this is fraud and within XXXX month the limit was maxed, doesn't show on my credit report, never received mail or email correspondence regarding this card. 
Gurstel Law Firm, Sent this over with court file : XXXX, Their file number : XXXX, now I am in default judgement without hearing and are also charging me their court fees. I can attach pictures as needed is a big document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
Weltman Weinberg and Reis XXXX called and threatened me that I would have to pay back debts incurred after XXXX XXXX XXXX that were not charged by anyone. After learning about this debt, I have file fraud and identity theft on his behalf as his wallet was stolen and I did not know. My father doesnt have a will, probate, letters, a representative, estate, or an assets. My father left nothing but DEBT and had fraud and identities theft before he died. I do not appreciate this lady calling me as we are all mourning the sudden loss of my father. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am in the middle of filing fraud, identity theft, and bankruptcy also because someone has stolen my information along with my social. These people need to learn how to manage a business matter without the threats. They should be sued and shut down at this point. There are plenty of negative reviews for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: LA

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation