vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I accepted a credit card offer from a company XXXX XXXX on XX/XX/year>. I was soon sent a Milestone Mastecard that was supposed to have a {$1000.00} credit limit but only had {$750.00} limit due to an annual fee that is assessed immediately upon opening the account. I accepted the terms and tried to use the card but was blocked from doing so due to security concerns. I was told to fax a copy of my state issued ID in order to remove the block which I did. Today is XX/XX/year> and I haven't been able to use the card at all. The account is also being reported to my credit report with a {$250.00} balance when I didn't even use the card once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have a problem with the whole loan process. I do not feel that the dealership was being honest and one of the sales people, ( XXXX ) called my daughter and discussed the loan with her and she called me to discuss that the loan was fraudulent. I moved to XXXX, XXXX  back in XXXX  and when I moved I was in a leased vehicle. When I went to XXXX, XXXX, the lease vehicle was given back to the dealership ( XXXX ). I needed a vehicle and I really wanted a car that was inexpensive therefore I went to a car lot by the name, " XXXX XXXX '' to purchase a car. I ended up getting a car but had to get a co-signer. My sister, XXXX XXXX co-signed for me to help me get the car. They ended up making her the buyer and me the co-signer on the application but they gave us an extremely high interest rate. I never knew what her score was until they told her this month that she was over XXXX and are now in the XXXX 's. She is very upset about how they had us signing several disclosures through e-signature which I was sceptical but at the time, I needed a car. What I have since found out is that they are not licensed to sell me a car because I lived in XXXX  and that they overcharged the interest rate on this loan. I also found out that they rolled back the mileage on this car which I am not okay with because that means it was over price.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-18 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: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
In accordance with the fair credit Reporting XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written treat a payment on a credit card account under an open end 15 USC 1666B : A creditor may not treat a paym
ent on a credit card account under an open end consumer credit plan as late for and purpose.

Can you please remove late payments XXXX and XXXX of XXXX  I had XXXX and was in able to pay I was out of work for three months and it was hard finding another job but got back on track I have been paying so long on these account for Santander consumer, XXXX XXXX XXXX XXXXXXXX and so many things had happen between death of family member but I Im still committed to pay as promise please remove these late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX I deposited my Texas workforce commission unemployment benefits check in an ATM with Chase. I inserted the check into the ATM and asked me how much the check was for. I put it in the keypad. It showed me a photograph of the check. I accepted the photograph on the next screen. It told me that my check would be held for nine days in which I tried to cancel the transaction And it gave me no option. I have XXXX dollars and my benefits check was about five days late in the mail! 
Since the ATM were not give me the option to not move forward, cancel the transaction. I was forced with accepting the deposit when I couldve went across the street to a grocery store and cash the check for {$.00}.! I contacted the bank the next day because of what the ATM told me about a nine day hold and two representatives told me that there was no apparent hold on the deposit.! I questioned in the past I always received partial credit on a deposit even if it was XXXX or XXXX! The entire check was only {$440.00}! The bank representative told me that because of a recent prank played by people against their bank at an ATM, depositing fraudulent checks recently across the brand they are putting holds on check deposits, even though I have a track record of depositing the same check multiple times of the last two months? According to what Ive read on the CFPBs website since this is an ATM deposit, but it is an ATM deposit at a branch made with the issuing check being a government check then the funds should be made available within two business days. 
Which is still excessive, considering the bank always gave me partial or full credit immediately on the same deposit at an ATM! 
My deposit in my account now officially states that its not available till XX/XX/XXXX by that time I will have bypassed my shut off date on my electricity created a very expensive fee to restore my electricity, and Im unsure as to how its my fault that this bank is having a gameplay on them by other consumers, and I have to pay the price! 



Problem number two I had previously had Chase accounts over the last 10 years and never really had problems with them but when I open this account about two months ago, within days of opening, it had been accessed from another region and an unknown individual put their phone number on my account to attempt to gain access to Text for future login access. Im assuming the bank has frozen my account made me change my username three occasions I had to get a new debit card within a few weeks of opening the account so this is my second debit card and then before that second debit card even showed in the mail they shut my debit card down in which I was using digitally and Im on my third card in about two months. I have had to call into the Chase customer service to regain access to my account without being made to understand why approximately 10 times in two months!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a U.S. citizen, I have a right under the law to use XXXX to obtain a free version of my XXXX, Experian, and XXXX credit reports. Experian is engaged in blatantly criminal misconduct, see recently closed CFPB COMPLAINT ID XXXX where they took no action to remediate my ongoing issues. Per my attached screenshot, this technical configuration issue continues to recur. I will continue to filing new CFPB tickets until this is resolved or Experian is permanently barred from participating in the consumer credit report industry for reasons of gross misconduct.

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 2024-09-18 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: MI

Complaint narrative:
I would like to dispute the following items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and Bank of America reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureau are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fidelity National Financial, Inc
State: TX

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which caused me to fall behind on my mortgage payments. I made attempts to catch up, but despite reaching out to the mortgage servicer multiple times, they never returned my calls. While I was still in the XXXXXXXX XXXX XXXX XXXX XXXX they allowed a company/vendor to forcibly enter my home by breaking down the door and changing the locks without notifying me. 

My personal belongings, including my car, were still inside the home. Several of my items were stolen, and my car was damaged when the intruders attempted to break into it and start it. They went through my personal drawers, tried various keys, and eventually damaged my car door. They also stole the battery from my vehicle and a drill from my garage. Additionally, they broke my patio door, causing further damage to my property. 

No one from the mortgage company , the servicer, or the property preservation company ever contacted me during this time. When I returned home XXXX XXXX XXXXXXXX, I discovered the damage and theft, yet there had been no phone calls, notifications, or any communication from any party involved. 

I am XXXX XXXX XXXX, XXXX XXXX, and this situation has been extremely unfair. It feels as though they are taking advantage of me as a senior citizen by trying to take my property while I have been XXXX XXXX XXXX. The vendor they hired has employees who steal from peoples homes when they are not there. I never received any request or notice to enter my home. Whoever they hired has been allowed to roam freely through peoples properties, rummaging through personal belongings and stealing, all under the guise of securing the home. 

There is no accountability for the people they hire, and they have completely disregarded the fact that I have been vandalized by their employees. They not only stole property from my home but also damaged my vehicle, which has no connection to the mortgage. This treatment is unjust, and I am seeking a resolution. The company needs to take ownership and responsibility for the vendors they hire because they are allowing these individuals to steal from the very homes they are supposed to be securing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: WI

Complaint narrative:
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

Company response to consumer: Closed with explanation