vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Paypal Syncrony has lowered my credit limit despite never being late or missing a payment. They provided no advance notice that my credit limit would be impacted if I didn't increase usage. This amounts to a lowering of my credit score at a time when I am looking for a new home, as my available credit has decreased and my debt as a percentage has increased. I spoke with a rep today who could only increase my limit to {$2200.00}, still much lower than the {$10000.00} I previously had.

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 2023-08-14 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: AZ

Complaint narrative:
Dear Equifax I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
After XXXX XXXX in XXXX, I've been handling my student loans for years. I've gone from XXXX XXXX to XXXX to XXXX and now Mohela. Currently, after transferring my loans to Mohela in XX/XX/XXXX, they have seemingly gone crazy with my balance. It took about 8 weeks after consolidating my loans to them to see any balance ( {$29000.00} ). And that balance is where it stay for about 7 months. As someone who has a fear of debts, I had been checking my balance between once a week and once a day since I got them, and on XX/XX/XXXX, I login to a change in balance. The balance went to XXXX. I have a capture of my account on XX/XX/XXXX, showing a XXXX balance as well as their trademark " Your account is in good standing. '' This, with a simple search on some forums, is what they always show to be when you owe them no money. After a conversation later that day with Mohela, they didn't honestly explain what happened to my account, besides the word " reracking '' my loan. They didn't actually explain what that was, but by XX/XX/XXXX, the balance had returned. After that, I started checking the balance of my account daily. It stayed where it was until suddenly it shifted to {$53000.00}. I have issue with this, as my repayment plan is based around the amount of {$29000.00}, and if the balance is suddenly over $ XXXX, then I'm not sure how this will affect actually paying off my loans. Additionally, I'm not sure I trust them to be truthful with my balance, if I were to pay the loan off, as I've been doing in the past. Attempts to contact the company have gotten me put into one of two situations, where either ( a ) I get stuck in a loop pressing buttons and having to start over or ( b ) thinking I'm going to get ahold of someone only to be hung up on. I've not been able to get anyone on the phone since XXXX, and I'm genuinely worried they'll continue abusing me, as withholding the amount I may have owed has already messed with things, as being under no specialized payment plan, a XXXX XXXX  loan would not be able to beat interest by having {$220.00} payments, never mind be paid off in 20 years as it claims in supporting documents. Also, I'm incapable of actually giving them money right now, as it say I have {$0.00} due. Please advise and help any way you can. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
My debit card along with other items were stolen from my house by an individual that I know. I filed a police report and got a restraining order because he admitted to stealing my stuff thru text and via phone and started making threats when he refused to return the items after I told him I was going to the police. The bank closed my dispute and stated that the transactions were authorized when I have proof that it wasnt. The bank stated that the transactions were authorized because a valid pin was used however my old pin is a pin that I use for everything ( phone lock, voicemail, debit cards, ebt card etc ) because it has a meaning behind it. The transactions were not authorized and I feel as though this is unfair to suggest it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as above-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: MO

Complaint narrative:
there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer. 

You are required to do what I'm asking and block these transactions from being reported to my consumer report within XXXX days of the day of the receipt of this notice I look forward to your response.

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 2023-08-14 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: SC

Complaint narrative:
I '' ve already reached out to this company in XXXX of 2023, and they still didn't fix this. This account that is reporting on my credit report by XXXX XXXX  is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.

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 2023-08-14 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: MicroBilt / PRBC (formerly CL Verify)
State: MI

Complaint narrative:
Improper credit reporting

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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Santander Consumer in relation to the retail installment contract associated with my auto loan. It has come to my attention that Santander Consumer failed to provide full disclosure regarding their intentions to convert this contract into security using my signature. 

Specifically, Santander took the finance securities collateralized by auto loans, bundled them into pools, and transferred them to a special-purpose entity ( XXXX  ), which subsequently transferred the pool to a trust. Payments on the underlying auto loans were pooled in the trust, and these funds were used to pay note investors their due principal and interest, with any excess spread paid to the equity holder. 

As a customer, I was not provided with full consideration and full disclosure of these actions, which I believe is a breach of trust and contractual obligations. After discovering this, I properly endorsed the instrument, filed the necessary paperwork, and sent it to their indentured trustee on XX/XX/2023, XXXX. However, Santander has neither processed the security per my instructions nor adjusted the accounting. 

Furthermore, Santander has reported late payments to my credit report and threatened repossession, causing undue stress. I have provided them with a Notice of Rescission and Removal of Security Interests, Right to Repo, and Insurance Proceeds on XX/XX/2023 XXXX. This has resulted in the violation of my consumer protection laws in the State of Florida, specifically 501.204 Unlawful Acts and Practices, 501.976 Actionable, Unfair, or Deceptive Acts or Practices, and 1006.14 Harassing, oppressive, or abusive conduct. 

In addition, XXXX, XXXX, and XXXX have provided Inaccurate reporting : As per 15 U.S. Code 1681s2 ( A ) ( 1 ), All are prohibited from furnishing any information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. However, XXXX, XXXX, and XXXX have reported inaccurate information in my credit file, resulting in adverse actions against me by lenders. Lack of reasonable procedures : According to 15 U.S. Code 1681e, All must maintain reasonable procedures to avoid violations of the FCRA and limit the furnishing of consumer reports to authorized purposes. However, XXXX, XXXX, and XXXX have failed to maintain such reasonable procedures, leading to inaccuracies in reporting and subsequent harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  reported a collection on XX/XX/XXXX amounting to {$12000.00}, then sold of the debt to a collection agency as a charge off with an amount owed of {$7500.00} balance as of XX/XX/XXXX. This account was closed off with a balance that still affects my credit score. I have reported the account as Identity theft to the police department and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from XXXX XXXX XXXX and stated I owed a debt to PayPal. I asked the representative for more information and was told they represented XXXX XXXX XXXX. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe PayPal. My PayPal balance shows XXXX. I believe this to be a scam.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On the day of XX/XX/XXXX my wallet was lost and my card was stolen, where {$1200.00} was taken from my account, money which was to pay my rent. When i went to check my account that my card declined, I immediately called my bank on XX/XX/XXXX, made the claim, and it was resolved, I was able to pay my rent, everything was good. On XX/XX/XXXX I received a card in the mail saying the claim was to be deducted from my account, saying the bank determined it was someone approved by me or myself, not even an exact answer, which is money i clearly do not have to spend, and today on XX/XX/XXXX money was sent to my account which was deducted from the negative balance. Now my issue is the bank is not helping and now im in debt, money i needed to pay my car insurance is gone and I cant seem to get anywhere therefore Im contacting the bureau to try and get this situation resolved

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 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
this company continues to call my cell number but i do not owe anyone!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from Tasman Credit Corp and stated I owed a debt to XXXX. I asked the representative for more information and was told they represented Credit Corp Solutions. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe XXXX. My XXXX balance shows XXXX. I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE DISPUTED WRONG ADDRESS WITH CREDIT REPORTING AGENCY EXPERIAN OVER THE LAST 4 MONTHS.I NO LONGER LIVE AT THIS ADDRESS AND IT IS NOT CONNECTED TO ANY ACCOUNTS ON MY CREDIT REPORT. 

THIS ADDRESS CITY AND ZIPCODE IS INCORRECT. I DOD NOT LIVE AT THAT ADDRESS AND HAVENT FOR OVER A DECADE NOW

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 2023-08-14 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: FL

Complaint narrative:
To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-08-14 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: FL

Complaint narrative:
To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: AZ

Complaint narrative:
Dear Experian I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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