vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed immediately from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XXXX, I requested a Chevron credit card. After a few days, I hadn't received the card yet, so I asked to close the account and cancel the card. Since then, I haven't received any charges or the card. I thought this was resolved until I saw my credit score drop drastically due to delinquencies reported by this company. The initial amount is only {$6.00}, which is completely outrageous. I never received this charge, and the account was closed right after it was opened, without ever being used, since I never received the card. I haven't had any change of address. I demand that they remove this charge and eliminate the delinquencies from my credit report, as it is absurd. I do everything right to avoid these kinds of problems. This company needs to be held accountable for causing significant harm to consumers.

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 2024-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: FL

Complaint narrative:
During the month of XXXX in XXXX, MRS Bro LLC Placed a collection on my credit report for the amount of {$430.00}. 
At no point did I sign a contract or provide this company with my information or permission to place an account on my credit report I have filed a dispute with the credit bureaus ( XXXX, XXXX and XXXX ) to have it removed due to invalid and unverifiable information. Yet the account is coming back as verified when there is no documentation with my signature and/or date agreeing to pay the amount requested. 
Due to this collection being placed in my credit report my credit report and score has been damaged. 
The original contract with the creditor has been cancelled per a letter being provided to me stating I am not in debt with them for any amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: OneMain Finance Corporation
State: PA

Complaint narrative:
On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: UT

Complaint narrative:
I disputed this item back in XX/XX/year> that i did not miss a payment. I recieved a response back. They changed the dates that they said i was late. I was never late on those dates. I disputed again. They changed the dates again. This is fraud and abuse to 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I disputed this item back in XX/XX/year> that i did not miss a payment. I recieved a response back. They changed the dates that they said i was late. I was never late on those dates. I disputed again. They changed the dates again. This is fraud and abuse to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I dont recognize the hard inquiries on my credit report. Never went to the location or online for them to have access to my information. Have not signed or received any form of this information.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2024-08-17 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: FL

Complaint narrative:
XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX I've found several fraudulent accounts on my credit report due to identity theft. These accounts are hindering my ability to access vital credit. Under Section 605B of the FCRA, I request their immediate removal. Please correct my credit file as soon as possible. I appreciate your prompt attention to this 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 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
They contacted me via mail Letter dated XXXX stating that I owed money to XXXX that they now own it and they were collecting the debt as the Account Summary only as proof.

I have disputed this 5 times with them and submitted the 2 letters from XXXX stating this account is under Fraud Review. I have requested documentation where they own or manage the Account as per their letters. As of today, they have NOT provided as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly.

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 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I was a victim of a crypto scam that involved a honeypot. I used the service from Coinbase, coinbase wallet, to exchange XXXX XXXX now worth {$36000.00} at the time of writing into the honeypot scam token. After reaching out to customer support it was agreed upon that Coinbase would refund the XXXX tokens of XXXX that was scammed using their service but I never received anything even after following up with them about the incident multiple times. I have grown tired of going back and forth with this company, it has been a year since the incident and nothing has been resolved. If action is not taken to refund me the XXXX tokens that were promised by Coinbase to solve the issue I have no choice but to pursue legal action against Coinbase for violating my rights. I have tried to get access to the chat logs detailing Coinbase stating they will refund me the XXXX tokens but they have denied me access to them. Instead, Below you will find evidence of the transaction that occurred on XX/XX/year> on the day of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I XXXX XXXX XXXX sent out a request to open a line of credit with SAID company PNC BANK/ PNC FINANCIAL SERVICES GROUP INC and I believe there is a misunderstanding of my right and laws. I exercised my right to initiate the consumer credit transaction with SAID Company PNC BANK/PNC FINANCIAL SERVICES GROUP INC with SAID company PNC BANK according to 15USC-1602 in which I granted said corporation PNC BANK. I am well aware of my rights as a consumer and in fact the denial of my right by PNC BANK /THE PNC FINANCIAL SERVICES GROUP INC to extend credit is and has caused mental and financial distress.There are no federal laws that state a credit score can deny me of my rights to extend credit.Discrimination against an applicant and a credit transaction is a against law 15 USC-1691 15USC-1691 I demand your company reconsiders this matter and comprise with federal law.Please open the accounts in which I've extended credit and correct any adverse action taken on my credit report .I take my consumer report and credit matter very seriously and I hope this matter can be resolved promptly. In care of : 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 XXXXXXXX Failure to address this properly may lead to further legal actions .Thank you for your immediate actions to this matter .I expect a timely response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian makes it difficult to freeze credit reporting by making the request process unnecessarily complex and difficult to find. They also use similar terminology ( credit lock ) in an apparent effort to sell a product instead of easily providing this free service. XXXX XXXX XXXX make credit freezes simple and easy to find when initially logging in.

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 2024-08-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Below is the mail notice sent to Portfolio Recovery Associates on XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with PORTFOLIO RECOVERY ASSOCIATES. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with PORTFOLIO RECOVERY ASSOCIATES for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Received a credit card in the mail from FORTIVA. Had an account with them XXXX  years ago when I purchased a XXXX security system. They upgraded my account by changing it to a general use XXXX. I work for a bank, so I keep a close eye on my credit. This morning I noticed XXXX had lowered my score XXXX points due to a hard hit on my credit by FORTIVA. I have not activated the card, nor did I ever approve them running my credit. I didnt ask for a credit card to be sent to me. This is an obvious violation of the TILA I just trained on at my job yesterday. I have called FORTIVA, and they promised they would fix everything, but were unwilling to send any documents supporting what they have done or will do. I am supposed to wait up to XXXX  months to see whether or not they followed through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I'm requesting for my down payment be returned to me asap. I sent notices directly to them and no response to my request. This go against our agreement that was signed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NC

Complaint narrative:
XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be validated or removed immediately : ACCOUNT NUMBER Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} In addition , please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,

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 2024-08-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The following accounts should be deleted due to their violation of these provisions : - XXXX XXXX ( Miscellaneous Automotive ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX I request that these accounts be promptly removed from my credit report. Thank you for your attention to this 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 2024-08-17 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
The following accounts should be deleted due to their violation of these provisions : - XXXX XXXX ( Miscellaneous Automotive ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX I request that these accounts be promptly removed from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation