vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 2024-04-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX I received the coupon from the Chase bank with the offer XXXX $ for opening saving and checking account with qualifying activities. I followed by the link in the offer ( there was indicated that " Coupon code applied when you click Open both accounts ''. I opened both accounts and did all required activities. I was waiting for announced in the offer XXXX XXXX but XX/XX/XXXX I decided to call to the Bank and ask for money I did not still receive. They told me that coupon code was not applied to my accounts that's why I did not receive my bonus. A supervisor did the follow up case on my account. The case number XXXX. I was told that it will take 5-10 days to solve my question. I was waiting and call again today XX/XX/XXXX I received the answer that they have a lot of cases and I need to wait 2 more weeks. I am not satisfied with this answer and wait time, because I already have XXXX month the Bank used my money for free ( they asked in promotion to keep XXXX $ with them and send salary to them, which all I did ), I could receive interest if I put those money on saving account in another bank. 
I believe that in this case the Bank grossly violated my consumer rights and deceived the consumer. I ask you to oblige the bank to fulfill its obligations within the framework of the promotion, the terms of which they themselves sent me and all the conditions for which were fulfilled by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: PA

Complaint narrative:
Repeatedly calls, I don't know what debt is or call is about. I have asked for information, address and they have refused. Lady hangs up on me Repeatedly

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 2024-04-23 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: NY

Complaint narrative:
I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed they continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated XXXX Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the Revocable Living Trust XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if XXXX, XXXX, and Equifax continue XXXX violate my consumer rights, I will accelerate legal actions pursuant XXXX XXXX Code XXXX - Civil liability for willful noncompliance -Please See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: AR

Complaint narrative:
I am filing this complaint to dispute negative information on my credit report maintained by the credit reporting agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose.

Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question. I hereby request that the credit reporting agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.

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 2024-04-23 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: AR

Complaint narrative:
I am filing this complaint to dispute negative information on my credit report maintained by the credit reporting agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose.

Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question. I hereby request that the credit reporting agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX claims that I owe them {$270.00} from four or five years ago. They say when I canceled my coverage that they kept it active for another month. I didn't ask them to, or want it, but they did and they're trying to collect on it. It's been negatively effecting my credit rating since. It shows as a delinquency, the ONLY delinquency that I have. I do not owe them money and will not pay them. It should not be on my credit report and they won't remove 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 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX I own a XXXX store here in XXXX Virginia. I accidentally deposited the money from another money transfer services to Sigue and I got back with Sigue to see if they could refund me that money because I need to pay the other money transfer services that money and they said that they would, email me a check within XXXX months and its been more than XXXX months now and I havent received anything and Ive been trying to contact them and I have not gotten lucky to do some

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have been leasing cars from Kia for years. Recently in XX/XX/2022 I upgraded my lease and did not change any banking info. I was told my auto payments would still be occurring. One night I woke up to loud banging on my door. The repo guy was taking my car and he felt bad so he was notifying me to take out my kids car seat. I was baffled and had no idea why he was taking my car. He stated I missed a payment. I had no clue. I had put money down and also had kept my same banking info for the new lease. It affected my credit and I had to pay fines over {$500.00} to get it back. Kia would not provide any explanation as to why this happened nor would they take any responsibility. I received no notices prior and had no clue the auto payment ceased.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Main Resolution Group
State: CA

Complaint narrative:
XXXX XXXX called from XXXX XXXX claiming he is reporting me for something but will not stae what the reson is he has contacted family members and also left messages with other people claims i need legal representation and i need to call back. I want them to stop contacting me! he is XXXX me and people I know but does not explain anything and I have proof of the things he is saying on voicemail. asked me to call back XXXX XXXX ext XXXX but called from XXXX XXXX. This is causing extreme XXXX for me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
Disputing Information in Credit Report I am writing to dispute the following information that your company TransUnion LLC has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX XXXX XXXX # XXXX is inaccurate How are you reporting a account that has been charged of as having one late payment and also having a balance after being charge off. 
Please delete this account. Reporting inaccurate information is illegal Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported account 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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I recently used a debt management program starting in XXXX, I believe. I went through a divorce during the pay off plan and my ex and I divided our debts according to who the primary card holder was. I paid all my debt using a debt settlement program and by XXXX I paid off over {$60000.00} worth of my debt. I am now being sued by XXXX companies trying to receive the amount that was written off through a settlement. My debt management company does have a lawyer that keeps going to court for me but it hasn't been resolved yet. There is now a forth company that I have written to on multiple occasions asking for proof that I am the original account owner and not just an authorized user on my ex husbands account. They are not providing this information to me and threating to sue me for this account as well. In my legal divorce paperwork it states that each of us are only responsible for the debt that is in our name as a primary account holder not an authorized user. I don't know how to stop the lawsuits for accounts that the creditor agreed to settle and write the amount off. It is the written off amount that is being sold to debt collectors and then I am being sued for it. I feel harassed by the debt collectors and I feel that since I used a debt management program that I should not be responsible for the portion that was written off as part of the payoff agreement. I don't know where to go for help with this. Any info would be greatly appreciated. I can't keep being sued and this stress is getting to be far too much.

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 2024-04-23 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: TN

Complaint narrative:
Someone opened a chase credit card in my name. I am trying to cancel this card and close this fraudulent account but Chase is saying I am liable for the these charges because Ive been making payments from my chase checking account. I DO NOT have a chase checking account!! This is not me! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
This complaint is about Santander Consumer. 
My loan was originally with XXXX XXXX, it was bought out by Santander in XXXX. Since the life of the loan, there has been no reporting to the credit bureau 's from Santander. I have called several times over the past XXXX yrs, asking why it's not reporting. I was told that they will report once the loan is paid off. 
My loan was paid off in XX/XX/XXXX, when I contacted Santander and asked how long before it is reflected on my credit I was told 30days after. So it's 2 months after, and I'm trying to buy a house and the lender tells me that there is no car loan on my credit. So I contacted Santander on XX/XX/XXXX and asked why wasn't it reported since it's been paid for 2 months now. I was told that it was reported to all XXXX agencies, and that I would need to contact the agencies to find out about the report and have them dispute it. I contacted all XXXX agencies and they stated that they do not see anything on my credit for a loan from Santander, and that they can't dispute anything that's not reflecting on my report and I would need to contact Santander and get them to report it. So I call Santander back and explained that the credit bureau 's can not file a dispute for something they do no show on the report. The call was then escalated to the platinum team, so I spoke with a supervisor and she said the same thing as the previous person and that she was going to send in a request for audit report and I should have a answer by XX/XX/XXXX. 
XX/XX/XXXX I called Santander and they are stating that, they will not reinstate the account to report to the credit agencies ' because the account is closed also that they may not have reported because of inaccurate or incorrect information. I told them nothing has changed and I never received any notifications that something was inaccurate or incorrect on my loan. I asked what was inaccurate or incorrect and she told me that they don't give her that information. I asked her so what am I supposed to do about getting this information reported, and she said to contact the agencies again, but that was all she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
" I've noticed several attempts to obtain credit and loans in my name, all within a single day, despite not being responsible for these actions. It appears that someone has fraudulently used my identity to apply for financial products without my consent. I'm deeply concerned about this unauthorized activity and would like to take immediate steps to address and DELETE THE INQUIRES ON MY CREDIT THAT I DIDN'T DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
" I've noticed several attempts to obtain credit and loans in my name, all within a single day, despite not being responsible for these actions. It appears that someone has fraudulently used my identity to apply for financial products without my consent. I'm deeply concerned about this unauthorized activity and would like to take immediate steps to address and DELETE THE INQUIRES ON MY CREDIT THAT I DIDN'T DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Representative states they never sent out a letter with inquiry deletions. I have uploaded all proof that they did. Along with my original dispute letter.

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 2024-04-23 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: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!

Company response to consumer: Closed with explanation