vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
In XXXX  I took out a loan for a car with Santander USA. At the time I didn't know that they were a bad company and were in the process of being sued by multiple states. At the same time that all this happened covid happened. They helped me a little bit, but not very much and in a time where the nation was in distress kept putting incorrect markings on my credit report even though I was making the monthly payments. They would take the payment and only apply it to the interest and nothing more. We contacted the company multiple times about their incorrect reporting not showing that I'd made of payment which was driving my credit score down immensely. We finally got fed up last year and paid them {$20000.00} to pay off the loan even though my loan for the car was {$17000.00}. Between the many months of payments I made and the {$20000.00}, this company got far far above the amount the car was. We won't even go into the fact that 2 months that my payments were weird was because I was sold a car that had multiple problems and ended up costing me thousands of dollars the first week that I purchased the car. Now it's sitting as an adverse account on my credit showing that I didn't even give them {$20000.00}, it's not showing the account as closed and it's not even showing I made any payments whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MA

Complaint narrative:
This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account successfully disputed and removed, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in XXXX that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through Jefferson Capital Systems. The XXXX report makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times. It shows as a new collections account and has significantly reduced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
My mortgage company gave information about my personal loan and my issues to a referred person by me My privacy was violated and threat was made to my referral person, from my mortgage company my lender called the person I referred to them He said I was getting a loan and I decided not to go with the loan, he bad mouth me and he told the person several time that he will destroy my credit, he said give that message to her from me, He was very rude and nasty the entire time while he was talking to me about the loan and at the end he belittle me when I asked about mobile attorney! He told his assistant, she should find me an attorney that has an office and make sure he has tie and suit on! 
After I decided not to take his verbal abuse, he called the person I refer to them and told her about my business and made a threat

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX my wife and I opened a Savings Account at the Wells Fargo XXXX XXXX XXXX in XXXX, NJ for an initial deposit of {$25000.00} based on a flyer we received from Wells Fargo thru the USPS mail The Pomotion flyer promised a Promotion Bonus of {$520.00} after 90 days of deposit. The banker opened the savings account for us with a PROMO Code of XXXX. My wife and I would not have opened the savings account had we been told that it is for new customers opening a savings account. We have not received the {$520.00} Promotion Bonus YET! We would not have parked {$25000.00} at the Wells Fargo Bank if we were told and informed that the PROMO is for new savings account opening. Besides, what we have at that branch is a Checking Account. Therefore, the opened savings account was valid and qualified. I talked with the XXXX XXXX branch manager and escalated my complaint to the escalation Dept. on XX/XX/XXXX with a Wells Fargo case number : XXXX, telephone No. XXXX, XXXX XXXX the Escalations Representative and XXXX his Supervisor. I was told resolution will be by followed up to us by XXXX XXXX, XXXX? PAYMENT DELAYING TACTICS? WE WANT OUR {$520.00} promotion bonus NOW and we would like to close the savings account and withdraw our withheld {$2100.00} in the savings account. We were not allowed to close the savings account as Wells Fargo contends that the {$520.00} promo bonus will be deposited to this account. Our existing checking account can receive the {$520.00}. 

WE DEMAND AN IMMEDIATE RESOLUTION, {$520.00} Promotion Bonus deposited to any of our two accounts. WE DEMAND AN END TO THIS NUISANCE CASE, 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 monetary relief
Consumer complaint received 2024-04-29 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently implore you to swiftly take action to eradicate the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not give my consent for them. It is unjust for me to shoulder the responsibility for these accounts, as I neither initiated nor approved them. I urge you to promptly address this issue.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've always made sure payments on this account are made on time, never letting them become overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error should be corrected.

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 2024-04-29 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX  XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) ( XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
On XX/XX/2022, my wife and I opened an account with XXXX XXXX XXXX. However, 2 days later, we canceled in person but were told to call XXXX XXXX XXXX 's customer service department to cancel. We called XXXX XXXX XXXX customer service dozens of times attempting to cancel the service but representatives did not cancel the service. A month later, we started receiving bills for service never used and tried to cancel. XXXX XXXX XXXX refused to disconnect the service inspite of our best attempts. XXXX XXXX XXXX 's return policy clearly states that we have 7-14 days to return merchandise and cancel service. XXXX XXXX XXXX has not honored it's own return policies here. 

On XX/XX/2022, we sent our devices directly back to XXXX XXXX XXXX to their Return Center in XXXX XXXX, Texas. In response, XXXX XXXX XXXX claimed that we never canceled our service and sent this unjustified bill to dozens of creditors, destroying my credit. Every time I disputed the debt the creditor simply sent the account to a different creditor. One creditor, called XXXX, even dismissed the debt in writing, only for another creditor, Sunrise Credit Service, to send it directly to the 3 credit bureaus as a delinquent account without even contacting me. Sunrise Credit Service has sent me nothing in writing and has made no attempt to contact me. 

XXXX, one of many debt collectors, even dismissed the debt in XX/XX/2022. Sunrise Credit Services has chosen to ignore XXXX 's dismissal and continued to pursue this debt illegally.

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 2024-04-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank is now charging for paper bills. I already canceled my XXXX XXXX card, they also will be charging for Lowes rewards card. I take exception to paying 2 bucks a month to get a paper bill. I just won't use my Lowes card. The culprit is Synchrony Bank.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|

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 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I have been doing business with NetSpend for about four years now. My SSA and XXXX deposits were steady coming in on the last two days of the month, but since 2023, my deposits has been irregular. When I called Social Security and XXXX XXXX XXXX  where my deposits come from, I was told from both bank and XXXX that NetSpend knows that without fail, that they deposits my money the same time each month and if it is late or held up that it is NetSpend that is holding my money up. I have asked NetSpend over and again why is my money late and who is responsible for it? NetSpend continues to tell me that the bank and SSA hasn't deposited my money yet. I believe that NetSpend is holding my money up on purpose because every since I haphazardly found out that my insurance company was using my married name to fund an additional insurance policy without my permission using a NetSpend card of mine that NetSpend themselves cancelled somehow without my consent due to some error, making that card nullified. So I had to order another card. Since then I stop leaving much of my money in NetSpend to keep them from using it or taking it without my permission, now they hold it up to prevent me from using it to take care of my business. I will fill a different complaint about that another time because I have not gotten a satisfactory answer from the State of Washington about that particular fraud. Right now I would like you to investigate why NetSpend continues to hold up my deposits.

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 2024-04-29 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: MI

Complaint narrative:
I am a victim of identity theft and I've been working nonstop to correct these fraudulent accounts opened in my name now most of these accounts are reporting to the credit agencies and will remain there for 7 years. Which isn't fair when I have no knowledge of these companies nor have I ever done business with these companies. 

A list of credit cards, phones, utility, and checking accounts opened in my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/2024 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 2024-04-29 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: MA

Complaint narrative:
This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account 's invalidation, successful dispute and removal, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in 2021  that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The listing on the XXXX report ( see attached reporting on all three bureaus from Fico credit report ) makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times ( See attached documentation referenced on issue numbers from 2021  for documentation of violation of FCRA ). The previously invalidated account showing as a new collections account and has significantly reduced my credit score and impacted my ability to sign a new apartment lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my conaumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis continue to report incorrect information on my consumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX there should be no other name or name variations listed on my report. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX there should be no other addresses listed they do not belong to me. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief