vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: MO

Complaint narrative:
When I filled out the application, the contract became null and void due to several factors. Firstly, upon extending my credit, I was provided with misleading information, rendering the contract invalid from its inception. Subsequently, when I attempted to rectify this situation by addressing the issue, the other party refused to cooperate in good faith. I emphasized the importance of equity, highlighting the need for fairness and justice. Furthermore, I outlined the next steps for receiving reimbursement as surety for the unlawful repossession of your car, which occurred without a court order. This sequence of events underscores the lack of integrity in the contractual agreement and necessitates appropriate measures to rectify the injustice. XXXX XXXX make a legally binding contract full disclosure, consideration, lawful terms and conditions, mutual intent, and meetings of the mind. Those who committed the fraud must bear the cost of the discrepancy and make a remedy to the party they have defrauded. This contract is considered ultra XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.

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 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I opened an account ( account no. XXXX ) with Barclays Bank Delaware on XX/XX/XXXX. I transferred {$45000.00} from my XXXX account on XX/XX/XXXX and after one day they suspended my account. I lost my online access to my savings account and I was not able to make transfers as well. 

I called them on XX/XX/XXXX and a customer representative told me in order to unlock my account, I would need to email my SSN, Driver 's License and bank statement from another bank to XXXX. The customer representative also said I should get a response from them within 3-5 business days. I did send my documents to that email account on XX/XX/XXXX and I got an automatic response said the system has received my documents and they will let me know if further actions are needed. 

5 business days had passed and I called them again on XX/XX/XXXX. Another customer representative said their team is working on this but there may be another 3-5 business days wait. This sounds ridiculous to me and I think Barclays Bank is playing a waiting game with me instead of verifying my information and unlocking my account. They should resolve this timely and I need my funds in order to pay my bills, credit cards, etc.

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 2024-03-07 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

5. 15 US-CODE 1692E FALSE OR MISLEA
DING REPESENTATIONS-10 XXXXAN Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Account Number : XXXX Delete this account.

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 RXXXX  Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-07 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am working with XXXX XXXX and we cant get a report from TransUnion. They have blocked it

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXXXXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
credit card for {$600.00} i never used or had from chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHERRY TECHNOLOGIES INC.
State: MD

Complaint narrative:
In XX/XX/2023 I discovered an account on my credit profile from the credit Cherry Technologies, I then contacted Cherry and opened an dispute explaining XXXX XXXX were never provided therefore charges were invalid. Since then I have sent numerous emails and made phone correspondence with Cherry Technologies requesting the information be correct on my credit profile with XXXX, XXXX, and XXXX as soon as possible. To no avail - I have even offered to pay for deletion of this negative account and have no received a response. Cherry continues to report the negative account on my credit profile monthly without satisfying the burden of proof that services were rendered. 

The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates the accuracy of information on credit reports. Under the FCRA, creditors are required to report accurate information to credit bureaus and to correct any inaccuracies promptly upon notification. Additionally, consumers have the right to dispute inaccurate information on their credit reports and have it investigated and corrected by the credit reporting agencies. Failure to comply with the FCRA 's requirements can result in penalties for creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MD

Complaint narrative:
Last year around XX/XX/XXXX I had an XXXX XXXXXXXX. I was off of work for two months and all of my bills were behind. I communicated with flagship prior to the XXXX happening and I asked to be placed on the don not contact list. they confirmed that this was done. Flagship Credit went against my preference when I fell behind. They would call me repeatedly on phone number XXXX. They also called my grandmother in the middle of us mourning XXXX XXXX XXXX XXXX XXXX I called and politely asked could they please not call me or any of my family members. When I mentioned filing a complaint with the CFPB they tried to offer me a {$50.00} dollar discount towards late fees but to my surprise along with that letter I received in the mail was someone else 's personal information. I spoke to flagship and let them know I received someone else 's information along with mine. Nothing was done to recover this person 's personal information. And they still continued to contact me. I have received phone calls on my new number that I did not disclose to them, and I have not been able to pay my past due balance on the portal even while my account was caught up. I have screenshots of the calls. They have been sending certified mail with threats of repossession and the account is not 90 days past due. I feel that they have violated multiple rights I possess as a consumer. I have even been hung up on by a customer service representative.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Block, Inc.
State: VA

Complaint narrative:
Ok, fine, all peer to peer transactions are " not fraudulent '' according to Cash App. Forget about the money I was scammed for but if a consumer opens and closes and opens and closes XXXX cashtag debit cards for a total of {$10.00} but doesn't even receive them because the account closed within 24 hours - - the consumer should be refunded for the price of the XXXX cashtag debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Received letter dated XX/XX/XXXX from Wells Fargo Customer Care in XXXX, OR. Letter told me their records indicated I was enrolled in ACCIDENTAL DEATH product from XX/XX/XXXX - XX/XX/XXXX. If I did not authorize this enrollment I was to call them at XXXX so that they could Care for any impact the enrollment may have caused. 

I called the above number and, after giving my name and some numbers on the letter ( SHRP #, Membership #, Reference # ). They were not able to answer my questions and transferred me to another person which I waited on hold for nearly 5 minutes only to be told that they were not able to provide me with the information I had requested as they were contracted by Wells Fargo and didnt have access. They would forward my request and I should be receiving a letter in the mail from Wells Fargo regarding the matter. 

I then looked up information about Wells Fargo and learned that they had sent these letters to many people and others had had the same experience as I did when they phoned.

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 2024-03-08 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express Dispute No. XXXX Dispute amount : {$5800.00} Since XX/XX/XXXX, American Express has been repeatedly and automatically closing my dispute in favor of XXXX XXXX XXXX XXXX, citing outdated and invalid responses from the merchant. American Express has failed to uphold its obligation to act in my interest as a defrauded, exploited consumer. 
I have reason to believe that American Express did not forward the documents that I submitted on XX/XX/XXXX and XX/XX/XXXX to the merchant. 
I resorted to opening a dispute with American Express because XXXX XXXXXXXX XXXX XXXXXXXX was unwilling to discuss a fair resolution. 
For your review and evaluation, please see the attached letter dated XX/XX/XXXX and the corresponding Exhibits that I submitted to the American Express Dispute Department. 
American Express needs to review these documents and request a written response from XXXX XXXXXXXX XXXX XXXXXXXX addressing my dispute. This matter should be resolved based on the documents I submitted to the Dispute Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief