vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-08-02 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: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
I have no knowledge of this company. I never signed up with them, never had a wet contract with them, not sure where they receive my information, how they receive my information. This seems like identity theft.

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 2024-08-02 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:
am writing to dispute account on my credit report that were made without my consent. According to section 604 OF FAIR CREDIT REPORTING to section act ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. HARD INQUIRY XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: OH

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance to fair credit reporting act this creditor has violated my rights under accordance with 15USC 168 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer protection agency can not furnish a account without my written instruction. Under 15USC-1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TN

Complaint narrative:
In accordance to fair credit reporting act this creditor has violated my rights under accordance with 15USC 168 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer protection agency can not furnish a account without my written instruction. Under 15USC-1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TN

Complaint narrative:
In accordance to fair credit reporting act this creditor has violated my rights under accordance with 15USC 168 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer protection agency can not furnish a account without my written instruction. Under 15USC-1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I received an XXXX negative collection from Lockhart, Morris and Montgomery. The report number is XXXX. I requested they verify and provide me with medical information showing that this is my debt. They did not provide me with anything. I don't see how they could even verify anything with a third party considering they legally can not violate HIPPA. 

I am requesting this negative collection report be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute the amount of debt reported on my credit profile regarding a loan from United Auto Credit Corp. The amount reported is {$8800.00}, which is incorrect. 

This debt has been charged off to collections, and I believe there has been a mistake in the reporting process. I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit profile is either updated with the correct amount owed or that the United Auto Credit Corp entry in the amount of {$8800.00} is removed entirely from my credit report. This correction must be made with all three credit bureaus. 

It is illegal to maintain inaccurate information on my credit report, and this error is negatively affecting my credit score and trustworthiness. I have documentation supporting my claim, including statements and correspondence with United Auto Credit Corp, that I can provide upon request. 

I trust that you will address this matter promptly to ensure the accuracy of my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: Denefits LLC
State: LA

Complaint narrative:
I am writing to demand the immediate deletion of a closed account from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pertinent provisions under the Code of Federal Regulations ( C.F.R. ). The account in question, associated with your institution, adversely impacts my credit report and fails to accurately reflect my creditworthiness. Under 15 U.S.C. 1681c, the FCRA mandates that information on credit reports must be accurate, complete, and verifiable. Furthermore, 12 C.F.R. 1022.1 enforces the requirement that all reported information must reflect the consumers true credit history. This includes the prompt deletion of any data that does not meet these standards. Moreover, adherence to the XXXX XXXX format guidelines, which standardize credit reporting practices, requires that accounts closed by consumers be reported accurately to avoid misrepresenting their credit status. Account XXXX XXXX XXXX Date opened : XXXX XXXX, 2023, I demand that this account be immediately removed from my credit report. Additionally, I require confirmation that this account has been deleted from all primary credit reporting agencies, including, XXXX, and XXXX, you deleted it from XXXX well as any secondary reporting agencies to which you report l plus it was paid for deletion from my consumer reports. Failure to comply with this demand will necessitate further action, and pursuing legal remedies to enforce compliance with federal regulations. I expect this account to be removed from my credit report without delay. Please confirm receipt of this demand and provide written confirmation of the actions taken to rectify this issue. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MT

Complaint narrative:
I received at least two texts from Unifin debt collection company. They included a reference number, web address link, and a call link. I used the link and their website requested the reference number, and either the last 4 of my social security number, or the month and date of my ssn, or my first and last name. I didnt want to give them my ssn numbers so I opted for sharing my birth date. Nothing resulted after I submitted the info, so I then submitted the last 4 of my ssn. That didnt result in anything, so I finally submitted my name. The next page displayed information about a debt that I do not owe. It read that I owe {$4500.00} to original creditor, XXXX XXXX. The current creditor is supposedly XXXX XXXX XXXX XXXX. My XXXX XXXX account does not show either one of these creditors, or the amount owed. I believe that because they dont have my SSN and are only going on my name, they are at best wrong or at worst committing fraud. I used to work for a legitimate collection agency for 3.5 years and from what I learned on the job, they are committing questionable and suspicious debt collection activities. I chose not to reach out to them directly because I still dont know if they are a legitimate company. I dont want to be dragged down a manipulative and deceptive hole for a debt that I dont owe. Thank you for your support. That is all the preliminary information I have. The website noted that I have 30 days before they report it to my credit. Please help me with any advice you can give me. Thanks again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Santander Bank regarding an ongoing issue with my credit card account. 

In XX/XX/2024, I submitted a claim for {$310.00} related to a product that I was promised but did not receive. Santander Bank credited my account with this amount on XX/XX/2024 ( based on my cc statement, there is no post date for this refund credit ). However, on XX/XX/2024, the credited amount was reversed, and I was recharged the same amount. 

Since then, I have repeatedly contacted Santander Bank 's customer service to reopen the dispute. I was instructed to email XXXX with documentation supporting my claim, which I did on XX/XX/XXXX and again on XX/XX/XXXX ( attached below ). Despite this, my issue was not resolved. When I attempted to file another dispute over the phone, I was informed that the case could not be reopened because it was marked as resolved. 

Frustrated, I informed the representative that I would escalate the issue to the Consumer Financial Protection Bureau. Subsequently, on XX/XX/2024, I was contacted by a supervisor named XXXX. She assisted me in filing a new dispute and agreed that the transaction should be credited back. However, the case was later closed with the explanation that it was " more than 120 days '' since the original claim, implying that it was now ineligible for resolution. 

This entire process has been fraught with inefficiencies and poor communication from Santander Bank 's customer service. Their inability to address and resolve this issue in a timely manner, coupled with their refusal to credit the amount back to my account, is both frustrating and unacceptable.

I am requesting the Consumer Financial Protection Bureau 's intervention to ensure that this matter is resolved and that Santander Bank addresses its customer service failures. 

Thank you for your attention to this matter.

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 2024-08-02 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : Company Name : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, RI XXXX Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.

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 2024-08-02 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : Company Name : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, RI XXXX Date of Inquiry : [ XX/XX/2023 ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX BANK XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ] Date of Inquiry : [ XX/XX/2023 ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, RI XXXX ] Date of Inquiry : [ XX/XX/2023 ] Reason for Dispute : Unauthorized inquiry I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.

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 2024-08-02 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been receiving emails from XXXX ( Wells Fargo ) that my rent has been paid monthly. I have come to find out that my rent has in fact not been paid and my XXXX account is over drafted. As a result, my credit score took a very large hit. When I tried to rectify the situation and pay the account Wells Fargo duplicated the charge and took another {$10000.00} from my account. Now Wells Fargo owes me {$10000.00} and my XXXX checking account is overdrawn after Wells Fargo taking another {$10000.00}. XXXX is attempting to charge me overdraft fees while they should not have allowed Wells Fargo to have taken this money in the first part. Wells Fargo has stolen an extra {$10000.00} that they were not entitled to and now they are indicating that it will take multiple weeks before this money is returned. I will have no money ( in fact I have a negative balance ) during this time and neither bank has been willing to rectify the situation in the interim to figure this issue out.

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