vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I have formally written multiple letters to dispute the validity of a debt that ALLY FINANCIAL, and other credit agencies claims I owe. These agencies are using illegal tactics and unfair practices that has resulted in inaccurate and incomplete credit information. I have notified the agencies violating my rights as a consumer that never voluntarily surrendered any vehicle nor have I ever made a late payment. the vehicle was fully paid off ( {$14000.00} ). This happen in XXXX, and I been continuously contact them for over 5 years to make these corrections. I have also requested the document bearing my signature of the voluntary surrender for the vehicle to the lender, which they fail t do so. I will take a legal actions against any person ( XXXX ) if this is not corrected. please consider this latter as a formal dispute of the reported debt. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have disputed the balance and status of my previous account with FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, TX XXXX. This account was paid in full, but is still being reported to XXXX and XXXX as having a balance.

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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-19 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: GA

Complaint narrative:
I am writing to request the removal of a CHARGE-OFF showing on my personal EXPERIAN credit report from XXXX  for {$42000.00}, the late payments was made on a business account not personal account, that should not be co mingled or mixed together. 15 6802 which states that personal information can not be shared legally with a third party. The information being shared is business information, not personal information. The two should not be linked 15 USC 1681. 15 USC 6802 and 6803 commerce and trade and is titled obligations with respect to disclosers of personal information it stated that denial institutions are not allowed to disclose non public personal information to non affiliated third parties without providing consumers without a notice that complies USC 6803 of the title. The notice must also explain how consumers can exercise their non disclosure options.

This account was NEVER a personal account but a Business account and should ONLY be reported to my Business credit report. I never gave permission for my personal information to be shared with any other agency. This is inaccurate AND UNFAIR credit reporting and should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear SYNCB/XXXX  ; There are different balances reporting across all the major credit bureaus. Some are reporting {$0.00} balance, and the others reporting {$1100.00} and {$4700.00}. Obviously this is invalid, inaccurate and in violations of my rights. plus i think this account is fraudulent and i have no knowledge of such account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-08-19 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: FL

Complaint narrative:
I sent a letter ( attached ) to Experian on XX/XX/year> requesting proof of debt ownership or removal of the associated item from XXXX on my credit report. This letter was received by the company on XX/XX/year>. 

Both the debt collector and credit reporting agency Experian failed to prove that I am responsible for this debt or even show proof that they lawfully own the debt. Experian failed to provide me a response in 30 days, and still have yet to provide me a response. 

Additionally, both XXXX and XXXX have removed this item due to its inaccuracy, and only Experian has yet to take corrective action. 

This incorrect reporting on my credit report by Experian has resulted in unjust hardship in my financial situation and daily 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 explanation
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: OH

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 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX, has violated my rights. 

XXXX5 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 2024-08-19 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: OH

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 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  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 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 7 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of XXXX  yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. I no longer have a lien on this vehicle. I own this vehicle free and clear. 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 non-monetary relief
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 7 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of XXXX  yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. I no longer have a lien on this vehicle. I own this vehicle free and clear. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I made a complaint previously and was said to be resolved by the financial institution. 

However I have yet to receive the cashiers check sent from navy federal, I will be requesting to pick up the funds via local branch location near me.

I have explained to them numerous times to update me on what is happening, and again Im waiting for a new cashiers check via declaration of loss In person at a local branch.

I have asked NFCU if the check has been cashed and the representative said it hasnt been cashed.

Anyway Im hoping NFCU matures and learns to respect their members and to know how to properly handle members funds. 

Thank you for your time and consideration

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 2024-08-19 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked Transunion to fix issues with items on my credit report not reporting 100 % accurately and not having permissible purpose for reporting to my file. The FCRA requires all information be reporting with 100 % maximum possible accuracy and with permissible purpose. Their so called " investigation '' hasn't fix a single issue on my credit report. It's been well over 30 calendar days since my last attempt ( s ) to fix this issue. It has been very detrimental to my health, because I am an XXXX XXXX and lately the accounts have been taken a heavy toll on me XXXX, because the accounts are inaccurately reporting, and adversely affecting my financial well being in a major way. Please remove or correct these negative accounts at once.

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 2024-08-19 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am being asking for a refund on the Sales Taxes that Chrysler Capital ( XXXX XXXX XXXX XXXX ) asked me to pay them, but then when I went to the Florida XXXX I was asked to paid them again because it was not listed in the bill of Sale. Since I paid already twice my Sales Taxes, I am asking for the refund to Chrysler Capital. XXXX. I received my XXXX XXXX on XX/XX/year>, for {$36000.00} including the Sales Taxes amount of {$2100.00}. XXXX. I sent a check for that amount of {$36000.00} that was received by Chrysler Capital on XX/XX/year> XXXX. I received a Bill of Sale on my mail on XX/XX/year> for only {$34000.00} with Sales Taxes in {$0.00}. XXXX. When I did the change on the XXXX on XX/XX/year> they asked for my bill of sale and since it showed {$0.00} on Sales Taxes, they charged me again the amount of {$2100.00} for the Sales Taxes plus fees I am been calling, sending faxes and asking for refund since then. They sent me a corrected XXXX XXXX XXXX on XX/XX/XXXX and asked me to go to the Florida Department of Revenue in order to get my refund. The Department of Revenue then asked me to get a signed XXXX form from XXXX but it is impossible to get help from them after you payoff your lease. 
In calls they say that my account does not exist and that my VIN number does not appears in their system. 
I need the refund for the Sales Taxes that I paid either by Chrysler Capital or the requested Form and a direct contact that can help me with this concern after 3 months of asking for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This is not my account nor have I ever signed a contract or done business with this company.

According to FRCA 605b, it is legal to report any inaccurate information on my credit report.please remove this negative item. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Amex, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : American Express Card acct # XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus account. The aforementioned account reported, is unfamiliar to me. The Account listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Klarna AB
State: DE

Complaint narrative:
Klarna provided took my information via XXXX and gave me {$1000.00} worth of purchase power. 

I've been trying to make purchases recently well under my limit and they have been denying my right to credit. 

I have made on time payments for consecutive months and have no negative marks on my profile, yet I still can not make purchases and their customer service representatives has not provided me with any information regarding the reasons for denial.

Company response to consumer: Closed with explanation