vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX XXXX between XXXX and XXXX I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX I went to the ATM to deposit some money into my account to pay my rent I was supposed to deposit XXXX bills but I ended up just grabbing a stack of money and putting that in the ATM After I did that the ATM jammed and never gave me my money back the amount was between XXXX $ - XXXX $ XXXX visited the branch the next day and filed a dispute to get my funds back I was told that my money would guaranteed be put back in my account because the ATM stole my money from me On XXXX I was told that my XXXX claim was denied and that they would be closing my account and that they couldnt find an error I dont understand how they came to that conclusion when I provided them video footage and a picture of the receipt also I was told they would check the atm and get it serviced to figure out the correct amount that was taken from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 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: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately California FCRA and Identity Theft Fraud Laws Dear DISCOVERBANK, I am reaching out to address a serious concern regarding the unauthorized reporting of information to my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly under California Civil Code Sections 1785.1 and 1785.15, and identity theft fraud laws, specifically California Penal Code Section 530.5. 
It has been brought to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without securing my explicit consent. According to federal law, as specified in the FCRA, the consumer 's consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, California state law, particularly Section 1785.1 of the Civil Code, underscores the importance of obtaining consumer consent for credit reporting. Additionally, Section 1785.15 establishes clear regulations for the proper reporting of consumer credit information within the state. 
Simultaneously, identity theft fraud laws, such as California Penal Code Section 530.5, emphasize the seriousness of unauthorized access and misuse of personal information. 
I assert unequivocally that I have not granted consent for ( company name ) to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating a blatant disregard for federal and state laws. 
I demand, with the utmost certainty, that ( company name ) immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.1 and 1785.15 of the California Civil Code. Failure to comply within the stipulated 30-day timeframe will be deemed willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 
I emphasize that securing consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft fraud laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and harmful credit reporting. 
I anticipate your immediate attention to this matter and expect ( company name ) to promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.

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 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-02 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: FL

Complaint narrative:
This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer.

I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA.

Please investigate the following : INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 

I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have N0 record of me?

As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within XXXX  days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
It has me having address in 2016 on XXXX XXXX and I never lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX financing prior to applying for a loan. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX financing. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. 

I demand that they remove all XXXX and XXXX partner inquires from all 3 credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-04-02 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
RE : Your letter dated XX/XX/year>. Loan # XXXX Dear SHELLPOINT Enclosed is your letter dated XX/XX/year>. 

It contains a number of misstatements. Some of which are : A ) This Loan # XXXX is a HELOC loan. Not a Primary Loan. 
B ) You letter incorrectly states : as required by your mortgage, your property must be kept continuously insured. CORRECTION : The servicing of this loan, and the documentation related to this loan, have never and do not involve ESCROWING for insurance or taxes. 
C ) Your letter incorrectly states : We have reached out to your insurance agent/and or insurance company and have been unsuccessful in obtaining a renewal or replacement policy. CORRECTION : You have not reached out to anyone with respect to my insurance coverage, because you do not Escrow for this coverage, and you do not know who provides this coverage. 
D ) Your letter states incorrectly : If we do not receive replacement or renewal coverage, we will order coverage at your expense. CORRECTION : You will order NOTHING at my expense. This letter serves to put SHELLPOINT on Notice that no expenses other than interest and principal shall be paid for by myself to SHELLPOINT, and only as expressly indicated under the terms of my original loan documents. 
E ) Your letter does not include a SHELLPOINT contact telephone number. It includes only a FAX number which appears intended to leave recipients of this letter with only the option of complying with the demands within this letter, regardless of their accuracy or legal standing. SHELLPOINT should include a proper reply telephone number. AND SHELLPONT should have called me, the borrower, instead of supposedly calling an insurer which you have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt. 

I have reached out to the creditors several times to get the inaccuracy removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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  : Notice of Dispute and Request for Correction of Consumer Report Information Dear Sir/Madam, I am writing to bring to your attention several inaccuracies and discrepancies present on my credit reports maintained by your respective agencies, XXXX, Experian, and XXXX. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681a and the Privacy Act of 1974 ( U.S. Code 552a ), I hereby assert my rights to dispute and request correction of the information contained within my consumer reports. 

As per the FCRA and Privacy Act, a consumer report is defined as any collection or grouping of information about an individual, including but not limited to their financial transactions, maintained by an agency, and containing their name or other identifying particulars. Furthermore, the law stipulates that no agency shall disclose any record contained in a system of records to any person or entity without prior written request or consent from the individual to whom the record pertains, except as provided under specific circumstances. 

Upon reviewing my credit reports, I have identified several accounts that are inaccurately reported. The following accounts contain erroneous information : 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  - Account Number XXXX I want to make it explicitly clear that as of XX/XX/XXXX, I hereby revoke any consent, whether it was given knowingly or unknowingly, for the dissemination of my information to your agencies by any of the mentioned companies or entities. 

I demand that you either mark these accounts as paid and never late or remove them entirely from my consumer reports. 

I am giving you a period of 10 days from the receipt of this letter to rectify these inaccuracies. Failure to do so will leave me with no choice but to pursue legal action. Under the provisions of the FCRA, I am entitled to seek damages for each violation, and I will be seeking a total of {$8000.00}, which amounts to {$1000.00} for each violation. 

Please take this matter seriously and act promptly to resolve the discrepancies on my credit reports. Enclosed with this letter, you will find copies of relevant documents for your reference. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
Bull City Financial Inc. sent me a bill on XXXX for an ambulance ride that was paid for my insurance. I responded by requesting debt validation and refuting this ( details and attachments are provided in my separate complaint XXXX ). 

I am filing a new complaint for a different reason because they are currently making fraudulent statements that I have been " paid '' by my insurance, which is incorrect. My insurance can confirm that no check has been deposited or cashed for this activity. Part of debt validation includes proving this debt is mine. The company has provided no evidence that the insurance paid me directly - only their assertion and another copy of the original bill. Furthermore, the company falsely stated in their reply that this was in reference to two accounts- the service billed is for the same ambulance ride on the same date, and the company is attempting to collect twice for one service. This is also fraudulent and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief