vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Santander Consumer USA YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness,XXXX credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( XXXX ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( XXXX ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00}

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 2023-01-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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:
I have 2 fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. Someone tried to open an account in my name.

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 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
An account was fraudulently opened on today with Bank of America. The person opened an Advantage SafeBalance Banking account - which by research is also known as a " checkless '' checking account. They opened the account using my maiden name AGAIN. ( XXXX ) and my social security number. I did not open an account with Bank of America. I was notified via email of the account number and another email with an " In processing '' Application confirmation XXXX. All of this took place after midnight. Shortly after, I received another email that my email address had been updated. When I attempted to try and find out how this account was opened without my consent, I was met with a phone number to identify for security reasons that does not belong to me. I have placed a fraud and security alert with XXXX as well as placed a credit freeze on XXXX, XXXX, and 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 2023-01-07 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: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I am so sick and tired of banks, being able to take their sweet time and reporting when account has been paid in full and closed versus if somebody has a blemish on their credit report If Ive paid my account in good faith, and paid it off completely and close the account. The bank has the luxury of taking 2 to 3 months from what I am told to report this to the credit bureaus However, if I slip up and make one missed payment, they are more than happy to report that in less than 24 hours This is ridiculously unfair! The government needs to take steps to hold these financial institutions accountable for their actions and level the playing field! If they can report negative information and 24 hours, they can report positive information in 24 hours!!! They should not receive any sort of special treatment or accommodation, because of processing time as that doesnt seem to be an issue for them when theyre reporting negative 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 2023-01-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have XXXX fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: U.S. BANCORP
State: IL

Complaint narrative:
I have 2 fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.

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 2023-01-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have XXXX fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Someone tried to open an account in my name.

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 2023-01-07 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: American Credit Acceptance, LLC
State: MS

Complaint narrative:
My car was totaled on XX/XX/XXXXXXXX XXXX - Car Insurances paid the loan except for {$590.00}. I have received a total of 3 final bills with different amounts. On my credit report ( XXXX ) showed in XXXX that I owed XXXX. In XXXX, XXXX added {$400.00} to my balance. I had an opportunity to speak with the finance company and according to their records my balance is {$600.00}. I have continually asked for a final bill but have never received one. Now the company has listed on my credit report that I have been late for 3 months while the insurance company resolve payment on the totaled car. 
My contract with the finance company went to XXXX.

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 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West unlawful discrimination of the XXXX XXXX of the U.S.A. ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) / Internationally Protected Person ( 18 U.S. Code 112 ).

The violations are 12 CFR 1002.4 ( a ) - ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.

( https : //www.consumerfinance.gov/rules-policy/regulations/1002/4/ ), 5th Amendment - Nor be deprived of life, liberty, or property, without due process of law, and 18 U.S. Code 112 - attack upon the liberty or if likely to endanger his liberty.

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 2023-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I paid this debt in XXXX my verification number is # XXXX Please get them to stop reporting I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I engaged with Coinbase XXXX XXXX and created an e-wallet.. I got engaged with the scamming company with somebody on XXXX, I clicked on the advertisement and after 20minutes later I got a phone call from someone with XXXX. They told me that I could make large amounts of profits if I deposit cryptocurrency on their platform, they manipulated the trades so that every client will lose money. Then I transferred my funds from my Post bank account to Coinbase at their instructions starting with small amounts, they kept calling me trying to convince me to deposit more, and after one week I transfer XXXX extra and another XXXX two weeks later totaling around XXXX ( XXXX at that time ) my money was transfer via wire transfer. They tried to get more money from them, but after I realized it was a scam I stopped all transfers. I hold Coinbase accountable for not having a contact/wallet database sufficient enough to identify risky merchants, and for not warning me about the potential danger I'm engaging with the fraudulent wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. XXXX XXXX of my calculated consumer score comes from Payment history and by you reporting in-correct information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union did not properly investigate information and continues to report inaccurate and false information on my consumer report. i have previously notified them of their error but they refuse to correct

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 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, staff of the XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. During this period, I have called the PayPal customer service representative many times, and the problem has not been resolved. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
An affidavit of Billing Error Notice was mailed to Beyond Finance but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 


CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information. 
Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices. 
CFPB 1026.23 Right of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
SANTANDER CONSUMER USA has failed to respond to my NOTICE OF RESCISSION ; DEMAND TO RETURN ALL MONIES PAID for an alleged account with number XXXX. So, pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23 ( A,2 ) ( D,1 ) ( D,2 ) I hereby exercised my right to rescind the transactions that is identified by the referenced account number for a total of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$41000.00} ), which included Down payment fee which at the first place according to the Law that I was NOT required to pay down payment to secure a loan, they made me pay for Dealer fee, Gross Trading Allowance, Dealer Admin Charge fee, Ext Service Agreement fee, Maintenance fee, Elect Filing fee, The Annual Percentage Rates fees, Total of Payments, and Total Sale Price, which were all illegal by the way. And BECAUSE A STATEMENT OF RESCISSION WAS NOT PROVIDED TO ME according to 12 CFR 1026.23 the notice was sent to SANTANDER CONSUMER USA to let them know that I needed to Rescind the transactions and to give me all my monies back and they failed to respond within those periods of 20 days I gave to them to respond based on the Law. So, they are in several violations, and I hereby exercise my rights to set them up for their FDCPA and FCRA violations to get back all my monies paid to them, and since they failed to respond to my NOTICE OF RESCISSION, I am declaring that legally if there was any property presented to me as the Consumer during this alleged transaction will be kept by me, as the Consumer.

Company response to consumer: Closed with explanation