vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: Experian Information Solutions Inc.
State: NY

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 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 2024-07-20 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
they didn't give me credit for my returns. didn't order other orders that i was billed for. i have not use the card scene.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed

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 2024-07-20 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: GA

Complaint narrative:
XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing challenging compliantly act with certified proof that they are reporting complete, timely, not erroneous or they must remove the items immediately by the credit reporting agencies regarding the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.

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 2024-07-20 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: Applied Data Finance, LLC
State: GA

Complaint narrative:
I am writing challenging compliantly act with certified proof that they are reporting complete, timely, not erroneous or they must remove the items immediately by the credit reporting agencies regarding the accounts listed below : Account : Personify Financial XXXX : XXXX XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: CA

Complaint narrative:
On XX/XX/year>, I prepaid XXXX for a XXXXXXXX XXXX XXXX  to rent on XX/XX/year>, at the XXXX airport. At the time, XXXX allowed reservations for this specific model for an extra fee and advertised that all XXXX had Autopilot, an important safety feature for me. I own a XXXX XXXX XXXX XXXX because of Autopilot. When I picked up the car in XXXX, I found that XXXX wasnt working. I informed the XXXX attendant, who told me that Autopilot was intentionally disabled on all their XXXX  due to a recall. I explained that the recall solution was a simple software download from XXXX, but she said she couldnt help, and since it was late at night, I accepted the car. XXXX provided no advance notice that XXXX would be XXXX. ( FIRST FTC VIOLATION : False advertising. ) While I had the car, I tried multiple times by phone and email to get the software download or have another XXXX delivered to me that functioned as advertised. I was unsuccessful and eventually returned the car and ended my vacation early. I followed up with XXXX several times, but they responded with strawman arguments. I disputed the charge through XXXX XXXX, who ruled in my favor. Despite winning the dispute with XXXX XXXX, XXXX has continued to bill me, and threatened to suspend my account. ( SECOND VIOLATION : Suspending my account after losing a credit card dispute. ) After several more unsuccessful emails, I called XXXX, and the representative told me that the XXXX XXXX resolution didnt matter and that I still owed the fee. ( THIRD VIOLATION : bypassing the Fair Credit Billing Act. ) I informed XXXX of all this by email and said I would report them to the XXXX  and FTC if they sent another bill. Their only response was to offer credit vouchers toward my next rental. I have since received a bill from XXXX, their collections agency. I have mountains of evidence to support each of my claims above. This is harassment and I want it to stop. I already reported this to the FTC and to the XXXX, who is awaiting a response from XXXX. But the problem is a lot bigger than this. I happen to be a resourceful person, but not everybody has that advantage. NOBODY should be treated like this. XXXX should be fined or shut down permanently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist requested my flood policy which has an effective date of XX/XX/XXXX. I emailed it on XX/XX/XXXX. Truist is saying the coverage date is not XXXX which is wrong. You can look at my complaint history. I have issues EVERY year with SubTrust/Truist regarding my flood insurance. They are incompetent and threaten me every year they are going to force place insurance on my mortgage when I have provided proof of coverage. This is very frustrating I have to go through this every year. The only way they are able/willing to fix it is when a file a formal complaint.

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 2024-07-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke to a representative named XXXX in the fraud department and she even acknowledged that all the proof and evidence is there! She said she does not understand why regions has not given me my funds back! I have had over XXXX stolen from my account due to no fault of my own, regions claimed that I didnt make a claim for my XXXX $ when in reality I did and they gave my money back because whoever it was that actually did it didnt have my identification card because I didnt have one! Whoever it was used a signature that did not match mine and they spelled my name wrong! I was told my claim Was denied because this XXXX $ withdrawal had not been disputed in the process because you had to go in a branch! Well fast forward Ive been given my money back for that one and the representatives in almost every office Ive spoken to have told me theres no way regions should have not given me my money back yet! All the proof and evidence is there and I will not stand for not getting my money when they clearly can see I deserve it back after the traumatic events.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally financial and XXXX XXXXXXXX XXXX from XXXX MD voilate many law against me unfair deceptive false voilate FTC FDCPA, FCRA and XXXX XXXX XXXX XXXX XXXX XXXX and lender copy is XXXX seaprate contract therefor hold no legal right I deman they return my car after they repo holding a contract that falsing create by the dealer Our orginal contract date purchase XX/XX/XXXX and lender copy date XX/XX/XXXX all esign without our consent and fraudulent create a new contract for lender and hold no legal right to repo my car I deman to return the car they voialte the truth lending act never disclose APR and finance charge and whay included becuase if they truth and disclose about it how my contract was add additional fee and warranty and such GAP that fiance charge include and cover everything voilate the TILA and forgery esign on a 2nd created contract I'm using 15usc1635 oh my right to impose and demanding to return our car and the lender is a servicer for the dealer so is debt collect stated and holding a fraud contract to collect illegal and seize out car where u show no documents u even have the right so they can now create all kind of co tract and do random esign signature and start doing whatever they want? The contraxt show THE ANNUAL PERCENTAGE RATE MAY BE NEGOTIABLE WITH THE SELLER..THE SELLER MAY ASSIGN THIS CONTRACT AND RETAIN IT RIGHTBTO RECIEVE A PART OF FINACE CHARGE SO THERE A CONFLICT INTETEST BETWEEN DEALER AND LENDER TO USE UNFIAR PRACTICE TO STRUCTURE A LOSN FOR CONSUMER FALSING THAY NEVER HAVE ANY BENEFIT TO CONSUMET BUT MORE % OF FIANCE CHARGE THEY SHARE TOGETHER SO ONCE AGAIN 15USC1635 RETURN MY CAR AS U HAVE NO LEGAL RIGHT HOLDING A FALSE CO TRACT

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 2024-07-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Name : XXXX XXXX : Account Number : XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Hi, I disputed LVNV funding on my credit report. I also called them and asked for them to send me a statement of what I owed and who I owed it to because I didnt know who they were. They sent me a statement back saying I owe XXXX from the year XXXX  They also show I opened my account last year on my credit report which is false because my credit was poor last year and opened no accounts and Ive had no new accounts in past couple of years due to me not working and being diagnosed with XXXX. I disputed and they ruled in LVNV FAVOR, when I call the credit bureau they say they dont have the info from them back yet. How can they rule in their favor when they dont have all the information and I do have a letter from them Ill be happy to send stating balance was from year XXXX  and also there is no way I opened that account at the end of last year or if its something else its just not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a XXXX XXXX XXXX XXXX with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with XXXX XXXX XXXX XXXX  and XXXX of my XXXX account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX  number log in from my dispute with my XXXX phone from XXXX XXXX  XXXX I contacted the log in with XXXX XXXX. I did a log in with the XXXX account it was showing fraudulent records on my email dark web. I asked to put the account on my XXXX due process of payment with XXXX tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from my IRS said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX breach XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXX email with XXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from my XXXX XXXX XXXX  account for {$110000.00} tax XXXX and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX  with XXXX XXXX where the data breach occured on my XXXX XXXX from my normal log in considering it did not go through on my XXXX Credit report it was on my dark web for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  entitled error background report from the IRS Tax scheme showing it was paid then the ln could dispute it on the credit report with XXXX showing it belonged to XXXX XXXX XXXX. I ask the XXXX dispute the error with XXXX my XXXXXXXX XXXX. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.

Company response to consumer: Closed with explanation