vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In response to CFPB Complaint Case number XXXX, My name is XXXX XXXX , a federally protected consumer, and I am submitting this complaint against CHRYSLER CAPITAL for XXXX adverse action against me, with forethought and malice, by furnishing an inquiry on my consumer report without my lawful authority. My name is nowhere on any of these applications. The only proof I see on this document that CHRYSLER CAPITAL have provided is that adverse action has taken place. I did not initiate this inquiry, and this proves that CHRYSLER CAPITAL is committing fraud and identity theft by furnishing it pursuant to 15 USC 1681b ( c ) ( 1 ) ( a ). Unless you can provide me proof that I gave you my actual written permission to furnish this inquiry on my credit report, then this has been a fraudulently furnished inquiry reported on my credit report and needs to be blocked and removed. Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did not authorize XXXX. I authorized XXXX They made a mistake. The Wells Fargo representative lied to me and said that the online transaction was declined and did not go through. If a Wells Fargo balance transfer experts tells me that a transaction was DECLINED, as they clearly say, then this is their fault. If she hadn't lied to me, I wouldn't have done another transaction. 

They can not just send money to companies and hold me accountable for it. It is not my responsibility to get my money back for Wells Fargo. If they sent money to a company that I did not authorize, they are welcome to contact that company and get their money back. 

This is crazy ; what is to stop Wells Fargo from doing this repeatedly by having their customer service team lie to their customers, so they get double the amount of balance transfers completed?!

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my countXXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I was reviewing my credit report and noticed an account had been charged off that was not familiar to me. I looked through my XXXX updates and saw an account was opened with ACIMA XXXX FKA SIMPLE with a balance of {$4800.00} on XX/XX/XXXX. My credit had been compromised in XXXX of XXXX and I contacted XXXX and had fraud protection placed on my account as a result of confirmation I was a victim of identity theft. Somehow someone was still able to open an account in my name in XXXX. The account was charged off on XX/XX/XXXX, for failure to pay. I filed a dispute with XXXX on XX/XX/XXXX. They advised on XX/XX/XXXX I needed to settle the dispute with ACIMA. I reached out to ACIMA via chat on XX/XX/XXXX. They advised because I was disputing the charges they could not help me. They told me before they could assist me, I needed to file a police report and then send a copy to the fraud department. I contacted XXXX and they advised I could file a report online as I'm out of town. I filed a report and received a copy on XX/XX/XXXX. I submitted that report to ACIMA. They responded via email saying because the report was redacted ( my personal information is hidden ) they could not assist me. They said I need to provide an FTC report and a copy of my ID. At this point I feel like they're giving me the run around. I am proceeding with the FTC report which has led me here.Any help you can provide in getting this issue resolved would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Account # 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

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have applied to an apartment complex and I received experien rental bureau is stating a civil action that is prohibited me from getting an apartment for me and my child for personal family and household purposes I am demanding that Experien remove this civil action from my consumer report as they did not have permission to report this information in the first place attached will be proof of the Report provided by Experien and proof of identification

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 2022-05-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Company '' Bank of America XXXX a car for less charged me {$480.00} for something that I did not pay for and I would like to have it addressed. 

I signed up for the service on XX/XX/XXXX. I was charged for additional items in my contract. I was refunded for {$19.00} from XXXX after I sent proof to XXXX that I did not authorize the {$19.00} charge and rejected it multiple times at the rental car company. The credit card company can see this on my statement. 

I sent in my receipt which was prepaid and also states that my car reservation was PREPAID IN FULL with no other charges. 

My credit card company asked me to send a copy of my contract on XX/XX/XXXX to show how much I authorized to be charged and also asked me to send my receipt showing that everything was prepaid in advance. I sent these in. The copy of my agreement that I signed shows that there is no charge for {$480.00}. It also shows that there is no charge for {$480.00} on my prepaid in full receipt. 

The car company provided a different contract to the credit card company. 

If I had to pay {$480.00} on XX/XX/XXXX I would not have taken the car and the rental car company can not show anything to show that I authorized a {$480.00} charge on XX/XX/XXXX. I rented the car for XXXX day. Why would I authorize a charge of {$480.00}? This charge was nowhere on my contract on XX/XX/XXXX otherwise I would have rejected it. 

Why did my credit card company XXXX Bank of America ) honor the merchant 's contract instead of the contract I provided to them which has proof that I did not authorize a charge for {$480.00}? How did they decide that the merchant 's contract was correct over mine when my contract which I received by email clearly shows that there was no charge for {$480.00} on XX/XX/XXXX? 

I also provided additional proof to the credit card company that the merchant could not account for the {$480.00} charge because I had dated photos of the car which were date stamped and my prepaid receipt says all charges are paid in full for approximately {$59.00} for a 1 day car rental. 

Why did the credit card company ( Bank of America ) ignore this information? 

The company rent a car for less is rated XXXX on online with a track record of running the same scam to a number of customers. Why can't the credit card company protect their consumers from this scam that the rental car company is finding a loophole to run?

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 2022-05-05 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
Deptednelnet are currently reporting inaccurate information XXXX, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: IL

Complaint narrative:
I opened several disputes regarding a bankruptcy on my credit report. Regardless of what documents I send them, they fail to do an actual investigation. I continue to provide more and more documentation that proves this is not my bankruptcy. My latest conversation with XXXX of their representative 's, I was told to create an account on XXXX, look up my social security number and to take a screenshot of the misreporting and send it to them. In this new CFPB complaint, I'm including the letter from XXXX they sent me stating that they deleted the bankruptcy from their reports, Since XXXX is their public records furnisher, I'm also including the most recent XXXX XXXX credit report that shows no public record. I'm also including a letter from the court saying they do not verify any bankruptcies with the credit bureaus and a screenshot and document from XXXX that shows my social security number with the wrong spelling of my name. My legal first name is XXXX, not XXXX. I'm also including my social security card and my drivers license. This needs to be removed from my credit report permanently.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER 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
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER 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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have put a security freeze on my credit with XXXX and Equifax has stated that they have verified my info on a public record they have obtained. I have already disputed by mail and online. They are obtaining my information that does meet fcra requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A 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 adverse item of information other than records of convictions of crimes which antedates the report bemire 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 report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX. XXXX XXXX XXXX XXXX. {$4700.00} XXXX XXXX XXXX  ( XXXX XXXX  XXXX  ) XXXX {$390.00}

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