vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Santader Consumer USA has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022. They were stating they are collecting a debt of {$6100.00} for a creditor called XXXX XXXX. I do not have any debt or collections. I called their office as the letter instructed and the person on the phone asked for my social so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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:
It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts. 

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 

I want this account deleted 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 non-monetary relief
Consumer complaint received 2023-02-10 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:
It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts.

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I notified transunion on XXXX XXXX that these 2 accounts are being disputed because they are reporting inaccurate and incomplete in formation, there is missing dates? missing right status? balance is excluding disputed charges under Fair Credit billing Act ( FCBA ) particularly this account ( XXXX XXXX account # XXXX ) this is harming me in an unfair way? the other account ( XXXX XXXX XXXX # XXXX ) is reporting incomplete information about me as far as the payment history is concerned. Reporting inaccurate information on my consumer report is adversely affection my credit rating. 

Title 15 of United states code say that under section 1681e ( b ) Accuracy of report 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.

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 2023-02-10 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
There was a promotion for my chase freedom unlimited card holders which is called my chase plan. Where for a single transaction it could pay installments. 

I set up this feature. And chase bank generated the statement on XX/XX/XXXX of which due date was XX/XX/XXXX. 
And XXXX setup a payment from XXXX on XX/XX/XXXX which was returned. And then Chase again re run the payment on XX/XX/XXXX and it went through successfully. So the XXXX statement was paid before the due date. 

Due to some issue with Chase bank system they posted the amount twice. And generated a wrong statement on XX/XX/XXXX. As I saw the transaction have been posted wrongly online, I called chase on XX/XX/XXXX and informed. They asked me to wait until next statement processed. And I called again on XXXX I called with the XXXX statement about the error. Customer service representative took my complaint seriously and promised me to fix it. 

As it was not resolved I called again on XX/XX/XXXX and let them know. They told me previous person who recorded the complaint had a mistake so they couldn't fix the statement and he is going to fix it and will be fixed by XX/XX/XXXX. 

I didn't see the correction on my account so I called them on XX/XX/XXXX. Now they say that they can not fix the statement as it was already generated. 

I tryed to file another complaint for what happened and the customer service representative or her XXXX who answered on XX/XX/XXXX is not helping to resolve their accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
In XXXX of XXXX I canceled my XXXX mobile account with no money owed. I had 5 lines that I ported over to another XXXX The next month XXXX tried charging my credit card for another month of service I called and they credited my account XX/XX/XXXX but only after I did a 3 way call with XXXX and the new carrier to prove that I had ported over all of my lines. On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. They suspended the service of an account that I didn't have on XXXX and again on XX/XX/XXXX. They again attempted to charge me on XX/XX/XXXX then on XXXX they disconnected the services again. On XXXX they credited the account back. Then on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XXXX they again suspended the service again. XXXX charge attempt then on XXXX another suspension. This cycle went on until XX/XX/XXXX where they finally closed the account. In XX/XX/XXXX they sent it to collections for {$1300.00}, I wasn't notified of this until XX/XX/XXXX. I made several attempts to get this resolved. I finally got a rep to credit the total amount back and sent me two seperate emails of {$680.00} and {$690.00} on XXXX. They sent {$680.00} to the collections but have not sent the rest. I've disputed this with now resolution from XXXX even with them saying the account is closed with XXXX balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
Dear WAYPOINT RESOURCE GROUP ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been with Wells Fargo auto for over a year and they have not once reported to any credit bureau. Today I tried to call and get them to fix it but they said it would take a few weeks. I dont have a few weeks to wait when this should have been reported toy credit so I could see an increase of score! Now Im trying to trade car in and they wont accept my trade in because my car loan technically doesnt exist.

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 2023-02-10 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: CA

Complaint narrative:
when I CHECK my credit score it show I HAD A COLLECTION. I never open an acount with XXXX XXXX XXXX with out my permission and my knowlege.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 

2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. 

I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality.

With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. -D/B/A 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 2023-02-10 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: TX

Complaint narrative:
There are several accounts on my credit report that they are reporting as delinquent when they are no longer delinquent and haven't been for many years which is causing my score to be lower. They are having inaccurate information for the status of the accounts are there are no current accounts are are reporting late or anything. The 3 credit companies need to update my report to show accurate information that no account is currently delinquent or behind on payments. Below are not true or accurate at all. They are in violation of federal law and are refusing to help me. 


XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - TOO MANY INQUIRIES LAST 12 MONTHS XXXX CLASSIC ( XXXX ) - XXXX XXXX XXXX XXXX XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY XXXX - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS XXXX - TOO MANY INQUIRIES LAST 12 MONTHS FA - INQUIRIES IMPACTED THE CREDIT SCORE XXXX, XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX - XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED 18 - NUMBER OF ACCOUNTS WITH DELINQUENCY 14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal banned my account, without clarification what is my violation.

i need my PayPal account back, for my Business payment Platform.

then suddenly they sent me an email that " you can no longer do business with PayPal ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
XXXX has reported us twice under two different accounts - XXXX {$290.00} XXXX {$290.00} After logging in their website - neither account number entered showed a balance! After spending an hour on the phone they said that the account XXXX is " inactive ''. This has negatively impacted our credit score. They also refused to issue a letter stating that this was a duplicate. We are refinancing and need this to be do in a timely manner. What recourse do we have for the 2 different entries on our credit? 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IA

Complaint narrative:
Trying to obtain auto insurance and Lexisnexis reports I have multiple accidents in driving record. Some were before I was licensed to drive. Accidents belong to family members. Their phone number will not accept calls. Submitting a customer care request will not go through. Tried on several occasions. There are about 5 accidents that do NOT belong to me. 

I have obtained a consumer report from Lexisnexis. It does not state anywhere that I am involved in accidents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: MA

Complaint narrative:
Dear ABSOLUTE RESOLUTIONS INV XXXX ; XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My account is marked as me owing money and my Social Security check is being held by the bank nothing has been discussed with me its been ongoing for 6 weeks. I cant pay my rent and bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXXXXXX 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 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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.

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