vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DataMax Corporation
State: NC

Complaint narrative:
I have had this on my credit report for 4 years now it was due to an ambulance bill back when coronavirus natural disaster took effect and I got sick with coronavirus and had to call the ambulance due to my knowledge President Obama was in the oval office and everyone that received medical Care during that pandemic was not charged a single penny I never received a bill from this collector I never received a call I never received nothing and I have tried calling them over and over again for the past year to try to get this off of my credit report I didn't think that health related issues infected your credit or I thought they wasn't supposed to but as I stated the United States government paid the amount of {$840.00} exactly on the same day that I went to the hospital the day after to be exact it was in 2020 I believe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MI

Complaint narrative:
On XX/XX/year>, this company began falsely reporting that I owed money to them for a debt that I never entered into via a valid contract. I do not have a contract with this company. In violation of the FCRA 15 USC 1609, this company is using abusive tactics to extort money from me. They are being deceptive in the fact that theyve used my personal identifying information to profit from the sale of the information to others that have no lawful authority to use it. This company has no ties to me or the use of my name with out my consent. They have failed to provide proof of a verified valid contract. This has caused me damage in the fact that I have been denied credit. They are liable in their private capacity for the damages.

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 2024-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Financial Triangle, Inc.
State: CA

Complaint narrative:
Financial Triangle loan officer and manager XXXX XXXX is marketing loan program in California, she is not even licensed in California. I attach her flyer. This is illegal. I called Financial Triangle, they just ignored. Financial Triangle and XXXX XXXX mortgage license shall be revoked.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: OR

Complaint narrative:
Something in my name was purchased from a company called XXXX XXXX in the amount of 1995 XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called XXXX XXXX which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly Experian credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. Experian is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and Experian is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!

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 2024-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
a vehicle was reposed and sold and company is asking for even more than its value. the vehicle was already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: MI

Complaint narrative:
Transunion, XXXX, & XXXX continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.

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 2024-06-22 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: Nelnet, Inc.
State: MS

Complaint narrative:
I am filing this complaint because I am in receipt of the company NELNET 's response. On I disputed with the student loan company about incomplete data reflecting from my consumer reports. I prompted them to investigate in order to have the information corrected. The company put accountability on a previous loan servicer by the name of XXXX XXXX. They stated that the company furnished that I was more than 90 days late in my consumer report. I have been trying to stress to them that regardless of how any information is received in connection with any account related to me it must report complete and accurately and that if it does not, it damages my credit worthiness, undermines public confidence, messes with the efficiency of the banking system. I have argued that if they can not update with the credit reporting agencies correct complete information that that information is not only considered unverifiable but must be deleted per federal law according to the Fair Credit Reporting Act section 15 USC 1681 ( b ) ( 1 ). They are only looking at this matter from a one-sided perspective and refuse to comply. The Fair Credit Reporting Act stated that ALL relevant information must be considered and that furnishers must conduct a reasonable investigation into the matter. I am not satisfied with the responses I have received, and it is causing my all kinds of issues. You are liable for this behavior. Please see XXXX vs. XXXX ( case text ) regarding this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Complaint Details : Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by Santander Consumer USA and XXXX . Santander Consumer USA improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with XXXX without my consent and in violation of privacy provisions under the GLBA. XXXX also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : XXXX Santander Consumer USA reported this payment history to XXXX without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of XXXX and to provide consumers with privacy notices explaining how their information is collected, used, and shared. Santander Consumer USA failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the Act. XXXX, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of XXXX. 
2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports. 
5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both Santander Consumer USA and XXXX, the total fines for each entity would be : XXXXviolations $ XXXXper violation= {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX of Late Payment Entries Under FCRA Sections 611 and 623** I am writing for the 3rd time to dispute the accuracy of late payment information listed on my credit report. I believe these entries have been reported inaccurately and request a thorough investigation into these matters as stipulated under the Fair Credit Reporting Act, specifically under Sections 611 and 623. 

XXXX XXXX XXXX XXXX  XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX The payments were made on time. There was no instance of late payment as reported. 

Under FCRA Section 611, I am requesting a re-investigation of the aforementioned entries. Section 623 requires furnishers of information, like XXXX XXXX XXXX XXXX  to provide accurate and verified data to consumer reporting agencies. 

I kindly request that these late payment entries be corrected or removed if found inaccurate. Please complete your investigation within the statutory XXXX period and inform me in writing of the outcome. 

Thank you for your attention to this important matter. I look forward to your prompt response and the resolution of my dispute. 

Sincerely, 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 explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Checking and savings accounts were opened on XX/XX/year>, via email with promo code to receive {$900.00} after requirements were satisfied. It seemed that the promo code was not attached to my account despite clicking on link in email for opening both accounts with promo code attached automatically. Perhaps there was a glitch. 

Chase was contacted on XX/XX/year>, and a case was created to resolve the above issue regarding the promo code and to have the {$900.00} manually credited but as of today XX/XX/year>, the situation is still unresolved. It has been XXXX  days and the {$900.00} should be honored as promised in the email. 

Please credit the {$900.00} as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> I tried to remove incorrect addresses and accounts from report as I am entitled to according to the FCRA. Experian, would not allow me dispute those addresses or accounts despite me showing documentation that there were reports were inaccurate. I disputed via mail, phone, and online and have received the same results each method. Despite me asking for verification using the FCRA XXXX and other laws.

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 2024-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi XXXX XXXX XXXX XXXX is marketing actively and commented on other banks interest rate in a XXXX group of XXXX audience, I attach the print-screen. 
1st with Citi title in social media, who authorized her to speak on behalf of Citi and comment on other banks interest rate, exposed Citi to endless lawsuit risk. 
2nd, Citi management, especially when XXXX XXXX was executive, warned loan officers several times that XXXX is unapproved social media, run by a XXXX company. All banks prohibit it. If XXXX is allowed to use it, she gets special favor which is discrimination to other Citi loan officers. 
XXXX knowingly violated company policy. She shall be terminated. Or I will check with lawyers regarding being discriminated.

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 2024-06-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX, & Equifax continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: MI

Complaint narrative:
XXXX, Experian, & XXXX continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.

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 2024-06-22 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: CO

Complaint narrative:
There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history XXXX this card is wrecking my credit score. I am demanding XXXX from XXXX transunion and XXXX for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX  XXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.

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 2024-06-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history one this card is wrecking my credit score. I am demanding XXXX from XXXX XXXX and equifax for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX XXXXXXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc.
State: AZ

Complaint narrative:
In XXXX I subscribed to Tomo boost for {$49.00} to improve my credit, tomo boost is a scam they never reported anything until XX/XX/2024 & that was negative remark because I cancelled I guess that was tomo boost way of retaliating against me because I told them to stop trying to take my money or I was going to report them to the CFBP, my credit score was @ XXXX till they reported a negative remark & its not fair to me because I cancelled the subscription the XXXX day of XX/XX/2024, they took money out of my account for which I disputed it with XXXX XXXX & its still in review I never got my money they tried to take money in XXXX XXXX & XXXX every single day even right now, I was forced to close my account because of the harassment from tomo boost about a failed payment. Everything was ok when they were taking my money & not reporting anything. I want all my money back.

Company response to consumer: Closed with explanation