vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
It has come to my attention that you are reporting transactions on the account XXXX between the consumer ( XXXX XXXX ) and XXXX Santander Consumer USA Holdings with your company to the consumer report. This is ILLEGAL and accordinging to the FCRA ( Fair Credit Reporting Agency ) Code 15USC 1681 ( a ) -2a1 except provided in paragraph ( 3 ) the term consumer report does not include reports containing information solely as to TRANSACTIONS. My TRANSACTIONS history between consumer ( XXXX XXXX XXXX & XXXX Santander Consumer USA Holdings is EXCLUDED from the consumer report. DELETE this item marked as late from my consumer report. You are breaking the law. This has affected me tremendously and is harassment. On XXXX I sent a Cease and Desist that clearly states my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS Clark and Associates has illegally violated my federal rights as a consumer against both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Reporting Act ( FDCPA ). RS Clark and Associates actions have caused injuries, damages, mental anguish, and negative impacts to both my character and reputation in which remedy is owed to me due to your negligence. RS Clark and Associates, who indeed is a credit reporting agency, has unfairly, partially, and disrespectfully violated my rights to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Hello, I had a bank open up a new credit account in my name without my permission. They have sent me a credit card as well. 

I use Fortiva Bank to finance my home security system. In XXXX they sent a notice via email saying that they would be opening up a credit card account in my name. I did not see that email and saw on my most recent credit report that a new account had been opened in my name. 

I have attempted to resolve with the bank directly. They have not been receptive. I do not want a new credit account with them, much less need it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/2023 I contacted Lexis Nexis via mail with the enclosed letter to request they validate a total of 8 accounts ( 4 which were bankruptcies ) they were reporting. On XX/XX/2023 I received the enclosed Reinvestigation results from Lexis Nexis which shows that ( per pg 8 of the Lexis Nexis attachment ) only 3 bankruptcy records were validated via Pacer but does not specify which records exactly were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
This is my formal complaint to TransUnion for allowing fraudulent inquiries on my credit report. I sent them a letter but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included in here with the report 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: MA

Complaint narrative:
I have tried for two years to get the title to my car from VW Credit after purchase. 

After my initial complaint to CFPB VW Credit sent the title to my car without providing me with the bill of sale. It's not possible to transfer this title to my name without a bill of sale. 

When I received the title I found that it was signed on XX/XX/21 with the odometer reading from my odometer statement included, proving that they did receive my odometer statement two years ago. 

VW Credit withheld my title for two full years without cause. They are now withholding the bill of sale necessary to transfer this title into my name. 

VW Credit lied to me about the status of my title, lied to me about my right to legal counsel, and continually frustrated my attempts to have the title to a car I purchased two years ago transferred into my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal closed my account with no warning resulting in a returned direct deposit, a returned tax refund and are now holding over {$500.00} in funds and refusing me access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, See attached screen shot - I am unable to retrieve my credit report. I want access to my credit report as per law allows. Give me access to my credit report. STOP BLOCKING MY ACCESS. I HAVE NOT REQUESTED YOU BLOCK ACCESS!

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Submitted FTC Identity theft fraud affidavit. Equifax has not deleted inaccurate information within 72 hours per the FCRA of receiving my identity theft affidavit.

Account as a result of fraud is reporting inaccurate addresses in Idaho not associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc
State: SD

Complaint narrative:
East Point Recovery called me one time and then about an hour later I received a call from my father. He had told me that they called my mother, told her all about the debt and then emailed a settlement offer to my dad. Neither of my parents are on my finances and I am an adult. There is no reason why any of that information was shared with my parents. 
It appears that I had an account that was set up for automatic payments and when my bank card expired I defaulted on payments. I wasn't even aware that this had happened. However, I have no issue with paying the debt that I owe. What I do have an issue with, is the company 's ' practices of sharing personal information with not just one but both of my parents. The agent even mentioned my credit history to my mother. I have proof of the exchange from multiple notes and numbers taken by my mother and then the actual email that was sent to my father 's work email. This is none of my parents business and put me in a difficult place and uncomfortable position with my parents. This is completely inappropriate way to handle business as I was mortified when I received the phone call from my dad. I emailed the person back who sent the settlement offer and never got a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citi Bank credit card was charged XX/XX/XXXX several transcations in XXXX Colorado by people unknown to be. 
The charges were as follows : XXXX. XXXX XXXX XXXX CO XX/XX/2023 ; Disputed on XX/XX/2023 {$110.00} XXXX. XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$210.00} XXXX. XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$210.00} XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$220.00} XXXX. XX/XX/2023 XXXX XXXX XXXX CO XX/XX/2023 Disputed on XX/XX/2023 {$330.00} XX/XX/2023 When I noticed the fradulent charges, I locked my card and informed Citibank immediately. Citibank then send me documents to fill out and indicate whether I had been in Colorado or whether I had authorized people to use my card. I wrote that I was never in XXXX nor had authorized anyone to use my credit card. Citibank then investigated further by contacting the merchant who wrote that the authorized signer is known by the cardholder ( i.e. myself ) and that the signer is a member of the cardholders household ( i.e. my household ) both of which are not true. 

Solely based on that information provided by the merchant Citi Bank concluded that the merchant 's statement was true and mine a lie and put all the charges back on my credit card. I am appaled that Citi Bank is using such a flawed process to determine whether I am responsible for the fradulent charges. I can prove that I was never in XXXX Colorado during that time as I was working where I reside, far away from Colorado, and that I do not know these people. How would the merchant be abla to say that the people who used my card are known to me or part of my family? Instead of making a decision on real eveidence, Citi Bank arbitrarley makas a decision by solely relying on the merchants statements.

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 monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My original HELOC mortgage was with BB & T which was acquired by Truist. 
In XXXX, 2022, I converted this HELOC to a fixed rate mortgage. 
Truist is misapplying payments to the closed HELOC account. Every month I need to call in to ensure the payment is applied to the correct account. Every month, they apply the payment incorrectly. They either apply it to the correct account as an all interest payment or they apply it to the closed account. This has been going on for over 8 months and they do not let me speak to anyone about correcting this once and for all. To date I have paid over $ 5K but my principal has not gone down. 

Over these past XXXX months, I have made repeated calls and visits to the local branch to no avail. I have documented the calls and visits with names and cases, none of which have been followed up on. Every month I call and open yet another case which goes by the wayside as no one returns a call or even sends an email to followup. On the last case opened, I did express to the rep my disgust that no one follows up. She kindly did call me back only to inform me that my case had been denied, no further information as to why. 

Bottom line, Truist is gouging me by taking my payments, applying to the wrong account, and when I do complain, they do move it to the correct account but only apply the payment as interest only. The mortage principal never decreases. At this rate, I will have this mortgage on my house forever. 

For 2022, Truist also provided XXXX different Mortage interest statements ( XXXX XXXX. XXXX ) for the same account ( HELOC ). Each statement is different and has incorrect principal and interest figures. They have yet to provide a 2022 Mortgage interest statement for the fixed rate account. 

During all my calls with Truist, I always referred to the information I was seeing on their webpage and how it differed from the paper statements I was receiving. Every single rep that I spoke with advised that they were seeing completely different information on their screens as well. Multiple requests for copies of what their screen is showing have been ignored. This leads me to believe that Truist is withholding information by deceptively managing accounts and not allowing clients to see current or accurate information.

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