vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 7DAY RESOLUTION PLEASE DELETE AND REMOVE THE FOLLOWING ITEMS FROM MY CONSUMER REPORT IN THE NEXT 7 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
on XX/XX/31 i visited XXXX XXXX in hopes of purchasing a new vehicle but instead was discriminated against and humiliated for excercising my rights in good faith under the Consumer Credit Protection Act. 

XXXX XXXX is the salesperson i dealt with and who submitted my consumer credit application which is classified as a consumer credit transaction for a XXXX XXXX XXXX XXXX XXXX Submitted my credit application to XXXX and Chrysler Capital. 
XXXX tells me i am denied. 
I told him there is no such thing as denial only dishonor because their only job is to extend me my credit. 
He then asks me to sign the credit application that was used for denial. 
I asked him did he submit the application before me signing he said yes and I have it recorded The credit was extended but XXXX will not release the vehicle until CHRYSLER CAPITAL buys my contract. 
The credit was extended to XXXX XXXX and CHRYSLER CAPITAL as I now have a hard inquiry on my Credit Score. 
. After running credit credit application before it was signed. I also called twice to get additional information and was given the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Affirm. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that AFFIRM absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files immediately. Even though, my account is frozen, AFFIRM recently listed this account on my credit report without my knowledge. 
I provided a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to Affirm that are the result of identity theft. I also provided a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. In addition, I provided a copy of documentation pertaining to the Data Breach and Affirm completed Affidavit, along with a police report. 
The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information was provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
I suggested that they investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

I've not received any type of documentation of report of their findings. Also, all the these fraudulent charges are still on my credit report. 
Date : XXXX XXXX XX/XX/2023 Amount : XXXX ( there are XXXX accounts adding up to {$4000.00} ) Company : AFFIRM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding several inaccuracies on my credit report, which have had a profound impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i and 1681e ( b ). 

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 Violation : Discrepancy in verification compared to other bureaus, indicating potential inaccuracy, a violation of FCRA 1681i ( a ).

These inaccuracies on my credit report have significantly affected my life in a myriad of ways. To illustrate the emotional toll, I would like to share a personal story : In light of these violations and their profound impact on my life, I respectfully request the following actions : Investigation and Verification : I urge you to thoroughly investigate and verify the accuracy of the disputed accounts in accordance with FCRA 1681i ( a ). 

Enforcement of Legal Rights : I request that you enforce my legal rights under the FCRA by ensuring that creditors remove any unverified or inaccurately reported accounts from my credit report, as mandated by FCRA 1681e ( b ) ( 1 ) ( A ). 

I understand the critical role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights and ensuring fair and accurate credit reporting. Your assistance in rectifying these violations will greatly alleviate the emotional and financial distress I have endured. 

Enclosed with this letter, please find copies of any relevant supporting documents and correspondence with the creditors. These documents substantiate my claims and provide further evidence of the inaccuracies reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt is not mine- I was a victim of identity theft 5+ years back, this might have been a result of this. However, this should have already been reported as theft, and it just appeared as a collections on my Credit Report after YEARS. Collection agency has not responded to my Debt Validation, and therefore can not validate the debt. Please have this removed as soon as possible, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On the XXXX of XXXX, XXXX, I opened a checking account with Huntington Bank with a check from XXXX XXXX  in the amount of {$110000.00}. XXXX XXXX  records show that XXXX XXXX  completed that transaction THAT VERY DAY! 

Huntington Bank did not release the hold on that account for XXXX DAYS, XXXX day past THEIR " standard '' holding period of XXXX days, of which I was never informed when opening the account, and XXXX day BEFORE I received a USPS letter informing me for the first time that a five day hold would be imposed.on that deposit. 

Previously, I had traNsferred that same exact amount from XXXX XXXX XXXX XXXX to my account at XXXX XXXX  ; that deposit transaction was IMMEDIATELY accepted and available. 

When I called Huntington bank on XXXX, XX/XX/XXXX, AT XXXX XXXX  IN THE XXXX, on a business day, I was greeted with a RECORDED MESSAGE saying they were too busy to answer the phone. 

Then XXXX inserted a note in my XXXX calendar in my computer. AS A VICTIM OF BOTH A RANSOMWARE ATTACK AND IDENTITY THEFT, I AM FURIOUS.ABOUT THIS INTRUSION. 

WHAT COMPETENT, PROFESSIONAL FINANCIAL ORGANIZATION DOES BUSINESS LIKE THIS?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was a victim of identity theft and I want these accounts removed off of my credit report ASAP!!

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 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I woke up to pay rent. To find my checking account. And savings account at XXXX. Theres a hold on both account and a transfer in process. In the amount of XXXX. To XXXX XXXX child support services. A levy the bank said was placed on account ( s ) checking and savings accounts. 
I immediately went to bank to ask questions for them to give me a number and tell me theres nothing they can do. I stated this transaction is fraud. No bank or lender or agency can access my account or drain it leaving me and my kids with XXXX dollars on the day rents due. I attempted to report fraud. For my payment ARE arranged and taken out my checks for child support. Then found out they advertise fraud services online and the form to fill out, but it does not exist. Therefore now I can not file fraud in a timely manner. This also is fraud. 
So my consumer rights have been violated. And to my understand. These accounts are not real. My checking account doesnt allow checks or a lot of things for they say its not a checking account. Please assist me. I would like my money returned. I never authorized or sighned any contracts with anyone ever to access my account or withdrawal or transfer money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
hello my name is XXXX XXXX. i am writing you to delete the following information in my file. These inquiries should not be furnished on my consumer report as they are a violation under 15 U.S.Code 1681b. I did not give permission nor written consent to any consumer reporting agency to report anything on my consumer report which violates my rights as a federal protected consumer. no consent is theft. The items I need deleted are listed below in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. Inquiry Name : XXXX XXXX XXXX Inquiry date : XXXX Inquiry Name : XXXX XXXX Inquiry date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid this account. It was a chargoff, but I paid and settled the account. XXXX XXXX has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.

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 2023-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have three accounts with Synchrony Bank ( e.g., two with PayPal and one with XXXX  ). On XX/XX/XXXX, I filed XXXX  XXXX bankruptcy in XXXX XXXX North Carolina. My legal counsel is XXXX XXXX XXXX of XXXX XXXX NC. My case # is XXXX. I have received repeated texts, emails, and phone calls about these debts. Please send all communications from the creditors to my legal counsel.

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 2023-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Kia Finance America has not released the title to my car. They have not accurately recorded information on the Kia Finance Website, and with credit reporting agencies. I have sent in Certified Fund to discharge the obligation in the amount of {$22000.00}. Furthermore there is no longer a Lien on my property and Kia Finance America has not sent the release document to the state transportation agency so that the title of the car can be updated and transferred me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving reports of personal info on credit incorrect. I sent a certified letter to them of all the updated info and havent received anything. I sent the letters out in 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 non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving reports of personal info on credit incorrect. I sent a certified letter to them of all the updated info and havent received anything. I sent the letters out in XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
I have no agreement with LVNV funding LLC and they have failed to remove the incuracies on all credit reports causing me severe financial hardship.Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
I have sent LVNV letter demanding validation of this tradeline and a prior signed agreement with LVNV and myself, but LVNV failed to provide the information.I demand that LVNV delete all reporting from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information that this company supplied to XXXX and EXPERIAN, these consumer reporting agencies have yet to explain, update, and remove the inaccuracies. 
This item XXXX XXXX XXXX is inaccurate because the information they have provided is not my debt or amount stated. This creditor stated that I owed {$560.00} under a creditor name XXXX XXXX XXXX, that item was removed on XXXX, the debt returned under a different unaffiliated creditor named XXXX XXXX XXXX in the amount of {$610.00}, The bill that was sent to me has an amount of {$440.00}, I HAVE NO CONTRACTUAL OBLIGATION with this creditor, I do not know this creditor Nor have I authorized this creditor to report to my Consumer Report and according to the law is illegal.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect Information on my Credit Report

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect Information on my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: IL

Complaint narrative:
TransUnion, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with XXXX. Employer Identification Number XXXX and XXXX and XXXX are reporting inaccurate information to XXXX XXXXXXXX XXXX consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX XXXX XXXX XXXX. TransUnion, XXXX and XXXX are reporting that XXXX account number XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.

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 2023-09-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a dispute with the credit bureaus about an account that is not validated. The company still did not validate the account and the credit bureau is still reporting the account on my credit report. It has been over two months.

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 2023-09-04 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: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  on my reporting credit 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.

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.

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