vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint against Suncoast Credit Union regarding their actions, which I believe constitute a breach of contract and securities fraud. My name is XXXX XXXX XXXX, and I am a customer of SCU. The property in question is A XXXX XXXX XXXX XXXX XXXX. I entered into a Auto loan contract with SCU on XX/XX/XXXX in good faith for an original amount of {$56000.00}. 
On XX/XX/XXXX, after reviewing my contract and have seen that SCU had broken several laws. I contend that SCU breached our contract on XX/XX/XXXX by fabricated bank credit by means of a journal entry onto their books while representing that they were loaning me money from an existing pool of capital. This action constitutes a failure to provide proper consideration, a fundamental requirement for any lawful contract. Therefore, SCU lacks the right to enforce the terms of my promissory note or claim title to the aforementioned property. It is fraud for any business to fabricate assets on its balance. 
While many companies have been able to get away with this for a time such as XXXX, XXXX, XXXX XXXX, and XXXX, investigation proves that the companies success was deceptive, a paper fabrication. I request that SCU present evidence that the bank credit loaned to me came from an existing pool of capital. If this evidence can not be provided, I request that the title be forfeited back to me and I have sent notice to Revote power of attorney by way of US mail to Suncoast Credit Union over my property. 
In closing, on XX/XX/XXXX, Suncoast Credit Union, entered into a contract without providing full disclosure of all the details of the loan agreement. I was never told by SCU that my wet ink signature was creating the credit on a open end credit plan. It is my belief that I was deceived and was given a deceptive contract with intentions of holding me liable for a financial obligation that is not reasonable or lawful.

I will agree to pay any financial obligation which I might lawfully owe, under the condition that you provide me validation of the financial obligation including all accounting information. You must provide me a copy of the contract with my wet ink signature as well as the other parties wet ink signature. It is my understanding that corporations cant sign a contract and I will not accept a third party signing the agreement on your behalf. You must provide me with the equal consideration of interest from both parties in this contract agreement, as well as lawful terms and conditions. 
I will not accept and agree to a contract if it is not lawful. 
Please note that sending a statement with payment transactions does not constitute as a binding contract agreement. 
XXXX XXXX XXXX Without prejudice UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
Unfortunately my dad took out credit cards in my name while I was at school. I still have another year of XXXX XXXX but there are XXXX accounts that are not mine and I have no way of paying these charges he racked up. I have contacted the XXXX major reporting agency as well as the credit card compainies and they are still reporting this to be my debt. Please help. The accounts are as XXXX XXXX XXXX XXXX XXXX XXXX Not one of those charges is mine nor did I sign up or agree to have those cards. Thank you

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 2024-07-14 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: TX

Complaint narrative:
Unfortunately my dad took out credit cards in my name while I was at school. I still have another year of XXXX XXXX but there are XXXX accounts that are not mine and I have no way of paying these charges he racked up. I have contacted the XXXX major reporting agency as well as the credit card compainies and they are still reporting this to be my debt. Please help. The accounts are as XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX of those charges is mine nor did I sign up or agree to have those cards. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
Information on report about XXXX XXXX XXXX is INCORRECT. No debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
I have submitted multiple complaints to various companies and credit bureaus regarding the identity theft my wife and I have experienced. Our personal information was stolen from her vehicle, and we have already filed police reports documenting the incident. We are actively working to resolve this matter and prevent any further misuse of our identities. 
Furthermore this is my personal information all other personal info should updated and deleted.

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 2024-07-14 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: FL

Complaint narrative:
I have submitted multiple complaints to various companies and credit bureaus regarding the identity theft my wife and I have experienced. Our personal information was stolen from her vehicle, and we have already filed police reports documenting the incident. We are actively working to resolve this matter and prevent any further misuse of our identities. 
Furthermore this is my personal information all other personal info should updated and deleted.

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 2024-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I RECENTLY SUBMITTED A DISPUTE THROUGH THE CFPB ABOUT SANTANDER CONSUMERS INTENTIONAL PREDATORY LENDING AND INTENTIONAL FRAUDULENT REPORTING OF FALSE INFORMATION OIN MY CONSUMER CREDIT REPORT. I RECENTLY FILE A CFPB COMPLAINT AGAINST SANTANDER CONSUMER FOR REFUSING TO SEND THE REQUESTED DOCUMENTS IN ORDER TO VALIDATE THIS ACCOUNT. IN THERE RESPONSE TO TO MY CFPB COMPLAINT THEY SUBMITTED A FRAUDULENT CREDIT APPLICATION THAT I HAVE NEVER SEEN OR SIGNED THAT HAD A FRAUDULENT SIGNATURE. FRAUDULENT EMPLOYMENT INFORMATION AND XXXX SEPARATE DOCUMENT WITH XXXX COMPLETELY DIFFERENT ACCOUNT NUMBERS COMMITTING CLEAR FRAUD!!!!! THIS ACCOUNT WAS OPENED AT THE TIME OF THEIR PREDATORY LENDING LAWSUIT AND IM A CLEAR VICTOM THE PROOF IS IN THE DOCUMENTS SANTANDER CONSUMERS RESPONSE TO MY PREVIOUS CFPB COMPLAINT FILED THIS YEAR..I HAVE SUFFERED PERSONAL DAMAGES AS A RESULT OF THESE FALSE CREDIT REPORTING TOTALING {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: OH

Complaint narrative:
I seen some unauthorized inquiries on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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:
I recently received a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Transferring money that is not his

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 2024-07-14 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: LA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dispute the following accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2024-07-14 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-14 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: LA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dispute the following accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX and 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: New Century Auto Sales, Inc.
State: NM

Complaint narrative:
I got a car auto loan from this company back in XX/XX/year>. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my XXXX XXXX account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my XXXX account which it has dropped my XXXX account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple attempts to rectify this matter with Equifax. They have failed to validate or even reinvestigate the following accounts : XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX XXXX Equiifax has completely failed to conduct a proper investigation nor have they provided me with how they verify these alleged accounts per my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: IL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX and saw some hard inquiries that did not have permissible purpose. 

1.XXXX  XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 2.XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 3XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 4. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 5.XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 6.XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 7.XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 8XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 9XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 10.XXXX  XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 11.XXXX  XXXX VIA DEALER XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 12XXXX XXXX  XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 13XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b 14.XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b

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 2024-07-14 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will invesigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Name ; XXXX XXXX XXXX Account Number : 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 2024-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Incorrect information filed against me for unknown debt. Debt is NOT CORRECT.

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 2024-07-14 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: TX

Complaint narrative:
Experian is incorrectly reporting my student loan totals, despite multiple disputes. The information was corrected briefly after I filed my first CFPB complaint on XX/XX/XXXX ( complaint XXXX ), which led to me withdrawing the complaint. Today, XX/XX/XXXX, I received a notification that my report had been corrected and it is now, again, showing incorrect amounts. 

I have documentation from XXXX that shows that I have two loans currently reported as of XX/XX/XXXX. One loan has a balance of {$55000.00} and a second loan has a balance of {$13000.00}. Yet Experian is reporting one loan for {$13000.00} and one loan for {$68000.00} ( an amount that was last reported in XX/XX/XXXX ). 

I have filed disputes on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. The dispute filed on XX/XX/XXXX led to a correction of the information temporarily ( dispute number XXXX ), however as of today, XX/XX/XXXX, they are once again reporting this account 's balance as {$68000.00} instead of {$55000.00}. 

Because of this repeated error, my total loan balance is being shown as {$81000.00} with a total payment responsibility of XXXX XXXX monthly. My total loan balance is actually {$68000.00} with a total monthly payment of {$820.00}.

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
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I received a notification that a hard inquiry showed up on my credit report. I contacted Barclays bank Delaware to ask them about this. I have no knowledge and did not authorize anybody to apply for anything with my Social Security number and personal information. I called to speak to Barclays Bank Delaware on XX/XX/year> at about XXXX on a recorded line. I would like this removed off of my report being that I did not authorize or apply for any type of financial product. The company told me they had an application on file under my name and social security number but with a different address and phone number. The company confirmed it would report the application as fraudulent and deny it. They also said this should remove the hard inquiry from my credit account.

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 2024-07-14 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: IL

Complaint narrative:
Incorrect information on report. No debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: GA

Complaint narrative:
I checked my credit and I found that there are XXXX accounts and multiple inquires that can't be verified as accurate this data on my credit report are not 100 % accurately reported and it is not 100 % correct as it should be according to the law! I'm aware from studying the fcra and the fdcpa that it is a clear violation of the law that are in place to protect each consumer like me that these credit reporting companies don't report any data or information that has not been proven 100 % accurate not 90 % or 95 % accurate no it has to be 100 % accurate or has to be deleted plain and simple! It says it in the FCRA that any and everything on my credit report has to be 100 % accurate on my credit report according to 15 use code 1681e ( b ) and 15 usc 1681i ( 5 ) this data on my credit is a huge violation of not reporting 100 % accurate this is ruining my perfectly good reputation! For this violation I can get {$3000.00} in a lawsuit against these companies {$1000.00} for each violation! I am educated on this matter as you can see so please stop treating me like a uneducated consumer because as you can see from this complaint I'm far from that!!! 
oh yeah and don't send no computer generated stall letters to my house like y'all did before this another violation come on now I know this stuff like the back of my hand!

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