vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXXXXXX account # XXXX {$4300.00} XXXX. XXXX XXXX account # XXXX {$1700.00} XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX  account # XXXX {$3700.00} XXXX. XXXX XXXX XXXX account # XXXX {$160.00} XXXX. XXXX, XXXX XXXX XXXX account # XXXX {$700.00} 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 consumer reporting agency can not furnish an 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 2024-09-22 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: FL

Complaint narrative:
I want to bring to your attention that XXXX  XXXX XXXX XXXX has repeatedly reported inaccurate information, which violates state and federal laws and has negatively impacted my credit. This has happened for the third time. Each time, I have had to file a complaint with Equifax to rectify the situation. Suddenly, they reported 33 late payments on my credit report, causing my credit score to drop by over XXXX points. I am currently in the process of buying a home, and this has significantly affected my plans. I have been making payments consistently for 5 years, with the amount deducted from my Social Security and paid directly to XXXX XXXX. Even after I paid off the account at one point, they failed to report it accurately. The balance in 2020 was approximately $ XXXX, but it is now under {$600.00}. I have proof of statements and deductions from Social Security to support my claims. I have also sought legal representation from XXXX XXXX XXXX to file a complaint against XXXX XXXX XXXX XXXX, Equifax, and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
The underlying company 1st Franklin finance currently appears on my XXXX and, XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX and XXXX has forwarded theft documents receive from me to 1st Franklin Finance early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with 1st Franklin Finance. As 1st Franklin Finance have violated federal law, by not providing the credit bureau XXXX and XXXX Credit reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-F3.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX Consumer DOB : XX/XX/XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , 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 XXXXXXXX XXXX  XXXX Account # XXXX and Balance {$62.00}, XXXX XXXX with Balance {$1900.00}, XXXX with Account # XXXXXXXX XXXX  with Account # XXXX and Balance {$180.00}, XXXX XXXXXXXX XXXX  with Account # XXXX XXXX XXXX XXXXXXXX XXXX with Account # XXXX XXXX XXXX XXXX XXXX with Account # XXXX and Balances {$3300.00} / {$4500.00} / {$500.00}, XXXX XXXX with Account # XXXX and XXXX XXXX XXXX $ XXXX {$2100.00}, XXXX XXXX with Account # XXXX and Balance- {$29000.00} XXXX XXXX XXXX XXXX Account # XXXX and Balance {$15000.00}, XXXX XXXX XXXX Account XXXX XXXX and Balance - {$14000.00}, XXXX XXXX XXXX with Account XXXX XXXX And Balances - {$15000.00} / {$4500.00} / XXXX {$28000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Inquires 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
HI, In XXXX of last year 2023 I went into my local branch where i was banking to inquire about a personal loan. My Credit score was perfect. at XXXX i believe. I was approved on the first day. When i asked how much the interest will be they told me between 7 and 9 percent. 

I then was given a whole bunch of papers and was told where to sign. I asked what i was signing i was told that i am signing that i am accepting the terms. I don't not recall seeing the 17 and a quarter percent interest. I would never have taken the loan for that amount of interest. I still wasn't sure what the exact amount would be. But my banker assured me it wouldn't be more than 9 percent. 

I had set up auto pay at time that i got the loan. When first payment came I was devestate i was being charged 17 and a quarter percent interest. I continued making the payments every month since. But, requested a deferment to try to refinance it a year later. 

They only allowed a 2 month deferment. i did not want to ruin my credit, so i continued making payments even though i knew i was being cheated. 

In addition when i was a few months late they added up to {$86.00} late fees. I recently requested for those fees to be reimbursed. But, to no avail. 

There is definitely illegitimate practices happening within Santander. Every time i call i get the same person picking up the phone. There seems to be some kind of a telephone cyber criminal enterprise. This sounds crazy... but i have dozens of recordings of my conversations with Santander. 

I hope the CFPB can help resolve this for me. I have tried numerous times including just filing a lawsuit against them on my own. 

But, I beileve something big is going on. like some kind of international cyber criminal activity. I am happy to explain more in person.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi I did not make this credit card inquiry. I did not do this. Please fix this

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I received an unsolicited credit card from FORTIVA Credit Card. I immediately shredded the card. I never activated the card. Now I am receiving statements with an annual fee and interest charges because I haven't paid it. 

I called them XXXX  about this. I ask them to fix the problem. I did get an email that the account had been closed. I asked them how they could close an account that was never opened. The next time I called them I was told they would send me a statement with a {$0.00} balance. That has never happened because I'm getting new statements with the annual fee and interest. 

This is a scam and fraudulent. I don't know what else to do. I honestly never activated the card and don't know how I could have activated it since the card was shredded along with the correspondence they included. 

Please help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an unauthorized inquiry on my credit report from XXXX XXXX, I never signed ANYTHING FROM THEM!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have accounts opened on my report i have no knwledge of an didnt even know abiut til now an its not right thats is on there if its really not me XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD 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 explanation
Consumer complaint received 2024-09-22 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: Early Warning Services, LLC
State: KY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Incident Date XX/XX/XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXXXXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX XXXX XXXX ( XX/XX/XXXX -LAKELAND T XXXX XX/XX/XXXX ) -LAKELAND T ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This account is XXXX XXXX XXXX shouldn't it be removed from my credit report? If it is going to remain then the credit company must report correct and UpToDate information and I thought that the CFPB had a responsibility to ensure that this is what is happening. Instead, I am providing documentation of this account, and nothing is being done about the company 's negligent reporting causing my credit hardship when truly this is not the case. I will provide XXXX final letter hopefully this will be taken seriously this time. 

In case there is some confusion. I didn't write this letter the company did and all I am requesting is that the entire account be removed from the credit report since it is XXXX XXXX XXXX normally credit companies report for XXXX XXXX Or update the account to reflect the account is paid off as the letter explains and stop reporting this account negatively then in turn providing me with letters as though we are on the same page when in fact we are not. When will the CFPB acknowledge this letter sincerely hear my complaint and put a stop to this violation against the consumer? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I entered into a lease agreement to rent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The lease term was from XX/XX/XXXX, to XX/XX/XXXX. During my tenancy, I submitted several maintenance requests, but unfortunately, the management never addressed them. Given that I was pregnant and couldnt comfortably stay in the unit with my other children, I decided to vacate the apartment before the lease officially ended. I moved out in XXXX, and my delivery took place in the first week of XXXX. 

However, Ive been receiving messages from both XXXX XXXX XXXX and a collection agency regarding an outstanding amount. It seems that the management has added maintenance fees and other charges to the total owed ( {$4300.00} ).

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 explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
I am having trouble with the credit bureaus lack of investigation into very important errors that are showing up on my reports. I sent the letters along with verifying documents and they have not investigated and removed or corrected the listings. They are falsely verifying things that show up differently on other reports. They are in violation of the law and I need help because they are not doing what they are supposed to do and it is causing me a great deal of stress.

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 2024-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having trouble with the credit bureaus lack of investigation into very important errors that are showing up on my reports. I sent the letters along with verifying documents and they have not investigated and removed or corrected the listings. They are falsely verifying things that show up differently on other reports. They are in violation of the law and I need help because they are not doing what they are supposed to do and it is causing me a great deal of stress.

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 2024-09-22 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that TransUnion , pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 1. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.

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