vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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: PA

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. 

Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: NY

Complaint narrative:
On XX/XX/2023, I received reivestigation of inaccurate information being reported on my credit report. 
If, after any investigation under paragraph ( 1 ) of any information disputed by consumer, the item of information if found to be inaccurate or be incomplete, or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX REF : Santander Consumer XXXX To whom it may concern : The account was verified as accurate, and I am confused as to how. 

Santander Consumer XXXX I have disputed several times with Santander under FCRA 623 to correct or remove its inaccurate reporting 's from my consumer reports. I hereby DEMAND removal of the account in its entirety. I will be forwarding this request to the XXXX and to Indiana State Attorney General and the Texas State attorney Generals office for Santander 's negligence in correcting this information and thus fulfilling its duty under FCRA as a furnisher of information. 

I previously requested that Santander stop reporting this account as open. The account status is inaccurate and inconsistent across all bureaus. The account status for this account is still being reported to XXXX as open but it also being reported to XXXX as Charged off. 



The fact that Ive submitted XXXX direct disputes with Santander, and they still have failed to correct their reporting is outrageous and a serious flaw in their responsibility to ensure maximum possible accuracy. Santander will and has tried to shift the blame to the CRAs but the CRAs are reporting what Santander has inputted into the ACDV. 

This is formal notice of intent to sue unless this information is removed from any entity in which is has been reported to. Correction will no longer suffice! I will also be asking that this and the previous CFPB complaints be submitted to the CFPB Ombudsman office, as Santander is already under violation and a consent order for these very things. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: EQUIFAX, INC.
State: FL

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. 

Account : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

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

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate.

Also my hippa law was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: OK

Complaint narrative:
I filed this complaint ID XXXX with the cfpb and named XXXX and equifax in XXXX of 2023 XXXX  agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX saying they will remove it equifax said they validated the account which can't be true. I called XXXXXXXX  they agreed that they requested it no longer be reported. I will provide the letter from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Someone stole my credit card then charged {$17.00} on the card. I contacted the issuer of the card ( USAA Bank ) and informed them of the fraud. I sent an ID theft affidavit and a police report. USAA Bank is refusing to remove the negative information from my credit report thereby violating my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21 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: IA

Complaint narrative:
I called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2023-05-21 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: IA

Complaint narrative:
I called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have had Citi double cash credit card. I have closed the account when I had - {$120.00} balance. I had asked them to send me the {$120.00} as check and close the account. They have agreed and promised me to send me the check in 2 weeks or 10 business days. I have not received the check after 2 months. I have called them again and they said they have sent the check but I never received it. At this time, they said that my dispute with a particular charge was returned and found me liable for {$39.00}. I have agreed to pay that amount once I receive the {$120.00} check. They have put a note to the account that " I will pay the {$39.00} once I receive the {$120.00} check ''. They promised to re-issue the check and send it to me saying that I should receive it in 2 weeks. After another 2 weeks, there were still no check received. I have called them once again and asked them to speak with a supervisor. They have given me an " account manager '' who told me that they will re-issue the check 1 more time and she claim that she could see the previous issued check number in front of her. I told her that it does not help me if I don't have the check. Now, the balance due jumped from {$39.00} to {$70.00} due to unpaid balance even though they put a note to the account that I would pay the balance once I receive the check. I also offered them to deduct the {$39.00} from the {$120.00} check and send me the rest. 

The reason I wanted to close the account is because they keep declining my charges and can not even verify my information making me jump through hoops every time. 

Please stay away from CITI altogether as I will never ever will have anything to do with them anymore nor I will have anyone of my family or friends do anything with them. This is absolutely ridicules and I will never pay that {$39.00} if I don't receive the check. If things gets even worst, I will go to distance and open a court case with them.

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 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/2017 I went to a used car dealership XXXX XXXX Vehicles in XXXX, GA. The dealer ran my co-signers and Is credit which at the time was reporting in the very high 600s to the low 700s on multiple credit checks. I was told that because I had no auto loan score and our age that the only place that would accept me is Credit Acceptance. I received one of the highest APR rates, 22.99 % for a used car. To my understanding this was a consumer credit transaction. I later learned there was much deception in the contract. Upon reading and understanding law I learned that a consumer credit transaction can not include cash. Pursuant 15 USC 1662 ( b ). There was a down payment given of {$2000.00}, as well as a vehicle trade in during this transaction. I called the company multiple times trying to understand how they came across the numbers but, all I was told was that I had to speak to the dealer. When speaking to the dealer I was reverted back to credit acceptance. I was told Id be financing XXXX and I sat in front of a computer, directed to type in initials wherever XXXX XXXX directed us too. I was told I needed to hurry so the loan could process and me being a first time dealership lease user I trusted the process. I legally did not sign any documents with my initials, everything was signed electronically. I did not see anything explaining the XXXX rate, nor did any representative explain to me. XXXX XXXX also signed me up for services that I was not made aware of like GAP Protection ( {$920.00} ), and when trying to access this service I was given the run around on whether I had a valid policy. I was in two physical accidents, and couldn't access this GAP program I was already paying for.

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 2023-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint because XXXX has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of 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 non-monetary relief
Consumer complaint received 2023-05-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint because XXXX has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of 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 2023-05-21 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act these companies ; XXXX  XXXX XXXX, XXXX XXXX # XXXX and XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-21 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act these companies ; XXXX XXXX XXXX, XXXX XXXX # XXXX and XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: U.S. BANCORP
State: VA

Complaint narrative:
Elan Financial Services is another creditor reporting inaccurate credit information. I had a scam against my credit card which put me over my limit. I paid the credit card bill as normal not knowing the creditor had increased my payment to cover the over the limit fee. The creditor accepted the payment for two months without notifying me what had happened. The money was recovered, but I was still held to not paying the over the limit even though I continued to make my monthly payments. I had never been past due before. I really feel I was treated unfairly. This was during Covid, and I realized many companies were understaffed. However, I dont think I should have this report against my credit without even notifying me until two months later. I have disputed the matter a couple of times, but I did not receive a response. The creditor put me in hardship per my request, and I continued to make payment less than I was making prior to this. However, they kept reporting that I was not making payment even though I was making the payment and they were accepting the payments. I also thought I read that a dispute response is supposed to be in writing. This account has been closed by creditior and I would like to OPT OUT of it being reported on my credit report. ( Please see attachment bottom of second page )

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