vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I went in to XXXX XXXX XXXX to test drive a XXXX XXXX. I asked them to get the payment less than {$400.00} & that could not be done so we said never mind & walked away from the dealership without a car. On that same day, someone else came in & purchased a XXXX XXXX XXXX at XXXX XXXX in the amount of {$26000.00}. His loan is through Santander Consumer USA. Per the dealership, something happened with his loan & he needed a co-signer, so in XX/XX/XXXX the loan was finalized with a co-signer. The loan was funded on XX/XX/XXXX. The co-signer filled out all the appropriate paperwork & is in the XXXX XXXX system as the co-signer with the main purchaser, but on their funding page with Santander it shows me on the loan with the main purchaser. Their CDK program shows the sale with the main purchaser & the co-signer. Somehow my credit profile ( credit application ) was mixed with the co-signers packet. I have called Santander & they informed me that it'll take 3-5 business days before I will even see the fraud packet in my email. I went to XXXX XXXX & spoke to 3 associates who stated they as well will contact Santander & start a fraud packet on their end. Now the Santander loan on my credit report shows the loan is up to {$27000.00}, so I fear the purchaser & the co-signer have no made a payment, so undoubtedly, it will affect my credit score. No one can tell me how this happened. The only time I've gotten an update is when I reached out, & quite frankly, I'm not the one who screwed up so I'm not the one who should be asking for updates, they should be handed to me freely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone applied for a XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX card in my name and I have a Hard Inquiry on my Credit Report ( s ).

I spoke to TWO separate people on the phone with XXXX and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of XXXX XXXX XXXXXXXX had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an XXXX XXXXXXXX card when I live in florida. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with 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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card in my name and I have a Hard Inquiry on my Credit Report ( s ).

I spoke to TWO separate people on the phone with XXXX and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of XXXX XXXX XXXXXXXX had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an XXXX XXXXXXXX card when I live in florida. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with 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 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I had sent in a cease and desist letter and notice of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Courtesy Finance LLC
State: GA

Complaint narrative:
I don't remember the date but I checked my mail one day and there was a check to deposit from Curteosy finance in XXXX, Ga on XXXX XXXX. It was for XXXX. I had not put in for a loan at this company. Why the sent me check maybe bc my credit score was good then and in the past before I had put in for loans. Well I deposited the check into my XXXX XXXX account. Then a week later I get this this book and it's payments, intrest rates high intrest rates, and I wasn't sick then so I did start paying. Well when I was diagnosed with stage XXXX XXXX put on XXXX at that time XXXX a month. They call me and cuss me out and I mean one lady called me a very bad word. They completely harassed me & even came here to my house after calling from different numbers to get me to answer. I reported this to there boss nothing was done. His name was XXXX the lady that called me a curse word idk her name. Well I explained the situation and they wouldn't even work w me at all. Well I called my attorney and he says that it's AGAINST THE LAW TO SEND A CHECK IN MAIL TO ANYONE THAT DOES NOT APPLY FOR IT. So I'm counting on you guys to help me now.

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 2023-02-19 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: NY

Complaint narrative:
saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had a credit card XXXX that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.

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 2023-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
I am a person of identity theft I have filed a police and report and FTC report and still receive fraudulent activity on 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 explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I had a credit card XXXX  that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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  Total Card # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX  XXXX  Account # 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 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received notice by my bank of suspicious activity this was done only after bank released funds to company who did not have authorization. I notified bank, bank informed me they would only reimbursement me the full amount only if i made contact with company for the amount and if successful I would be reimbursed in full by Wells Fargo, well I did make contact with the proprietor to no avail, could not be reached or not available So pretty much I lost close to {$300.00} + I feel the bank should be accountable since they released funds not knowing if authorized, and I'm notified after the fact.

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 2023-02-19 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 : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # 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 2023-02-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX Accounts # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX  XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I deal with Chime banking and my account been suspended for over a month everything they asked for to reopen or lift a suspension Ive provided plus more and nothing is being done. I have called day and day out and still nothing from Chime support about to be evicted And bills are overdue because of me not getting my money. Ive been dealing with Chime for over three years and never had a problem and now theyre treating me like this. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
YOU STATED THAT YOU ARE STANDING BEHIND IN THESE FORGED DOCUMENTS THAT WERE SENT TO ME. THE DEPARTMENT OF FINANCE & TREASURY AND THE MODIFICATION WAS DONE IN 2018. THOSE DOCUMENTS I SENT THEM TO A FORENSIC LAB AND THE OPINION OF THE LAB STATED THAT THEY WERE FORGED DUE TO THE HORIZONTAL AND VERTICAL LINES INDICATING FORGERY. A DOCUMENT WAS PLACED ON TOP AND TRACED OR FREEHAND TO THE PAPER AND COPIED. NOT MY INITIALS OR SIGNATURE. I AND MY LEGAL ADVISOR STAND BEHIND THESE FINDINGS. AND XXXX XXXX DOES REFINANCES AND LOANS AND IS NOT BACKED BY THE GOVERNMENT OR THE VETERANS ADMINISTRATION.

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 2023-02-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( copy & paste each one from your credit report that is negative right here ), 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 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 non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I have over {$80000.00} stored in an investment account with Axos Bank. I have attempted multiple times to transfer this money to my checking account with XXXX XXXX XXXX XXXX, with my first transfer on XX/XX/XXXX. These transfers have not gone through, and have disappeared from my transaction history. I have contacted customer support on XX/XX/XXXX. They claimed to be fixing the problem, but I still haven't gotten my money after waiting 8 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: CITIBANK, N.A.
State: IA

Complaint narrative:
I went to Best Buy to purchase a laptop and the lady that was helping me offered me 10 % off if I sign up for their loyalty program. I asked her if it was a credit card and she said no. I agreed to join their loyalty program with the understanding it was not a credit card. Halfway through the sign up process it asked me for my social security and I asked her if they were running a credit check and she said no it was just for companys information. It wasnt until later on when I realized that I did not get the discount. 
A couple weeks later I got a letter from the mail letting me know I was denied for a credit card from Best Buy. 
They lied to me and ran my credit report without my consent.

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 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America app pop up on my mobile banking app said I was PRE approved for a secured credit card, and when I applied I was denied which hurts my 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 2023-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: NC

Complaint narrative:
Debt is being reported for a XXXX XXXX account in my name that both the creditor and collection agency have not responded to requests to verify aside from providing an invoice which I do not have a connection with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 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: MN

Complaint narrative:
I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MN

Complaint narrative:
I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

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