vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} 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 explanation
Consumer complaint received 2024-08-14 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: GA

Complaint narrative:
I called XXXX some months ago to figure out how to catch up on my payment. They offered to stop my current payments of {$130.00} biweekly and have me pay {$92.00} a month until caught up. I have been sticking to that agreement and I am actually done this XXXX  and can proceed to my XXXX  payment. The issue is every month XXXX has reported me as delinquent. Im not - I have been paying {$100.00} a month even to hurry up and catch up. I dont understand how Im reported as delinquent when Im paying the agreed upon amount as was agreed. I believe this is a major error as its saying I have been late 21 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-08-14 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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 was in a XXXX XXXX XXXX and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my bankruptcy XXXX XXXX XXXX XXXX XXXX it explicitly prohibits XXXXXXXX XXXX from reporting on my credit report. According to my credit report XXXX is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) XXXX has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to XXXX XXXX I been in defualt, but there nothing on my credit report previously reflecting that? 

This needs to be removed immediately because its illegal violation of my XXXX XXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused

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 2024-08-14 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 was in a XXXX XXXX XXXX and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my bankruptcy XXXX XXXX XXXX XXXX XXXX it explicitly prohibits XXXXXXXX XXXX from reporting on my credit report. According to my credit report XXXX is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) XXXX has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to XXXX XXXX I been in defualt, but there nothing on my credit report previously reflecting that? 

This needs to be removed immediately because its illegal violation of my XXXX XXXXXXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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:
I was in a XXXX XXXX XXXX  and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my bankruptcy XXXX XXXX XXXX XXXX XXXX it explicitly prohibits XXXXXXXX XXXX from reporting on my credit report. According to my credit report XXXX is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) XXXX has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to XXXX XXXX I been in defualt, but there nothing on my credit report previously reflecting that? 

This needs to be removed immediately because its illegal violation of my XXXX XXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-14 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: SC

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-08-14 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: NY

Complaint narrative:
I was completely stunned to discover inaccurate accounts on my credit report this morning, with no explanation as to why theyre there. I check my credit report regularly, and this time, these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a technical error, but the accounts didnt disappear. Because of this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop worrying about 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 explanation
Consumer complaint received 2024-08-14 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: GA

Complaint narrative:
I'm writing to impart my nervousness concerning the challenged records on my credit report. On different events, I have raised the issue of missteps in these records, and have dependably referenced that they be completely investigated. Despite my undertakings, I as of now apparently can't get any objective or helpful action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a standard life. The unfriendly outcomes of these errors have caused tremendous challenges for me, and I'm left with no choice aside from to contend for your assistance with revising what's going on at the earliest open door. I sympathetically request that you lead a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the significant advances are taken to revive and correct my credit report immediately. With your help, I want to restore the accuracy and trustworthiness of my credit report so I could recuperate control over my money related thriving. I genuinely urge you to offer this matter your most outrageous thought and take a fast action. Your cooperation and moving in settling this issue promptly would be very significant. Thankful to you early on for your understanding and help.

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 2024-08-14 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX To whom it XXXX concern, Account number : XXXX ( they didn't give me the account number on the statement ) Dispute amount : {$25.00} Specific Transaction : {$26.00} purchased on XX/XX/year>. XXXX perfume. XXXX order number # XXXX Reason : I made a purchase of a perfume that I wanted to try out for the first time on XX/XX/year>. The transaction total is {$26.00} because I used {$100.00} from my XXXX XXXX XXXX and {$25.00} off from the CREDIT CARD REWARDS. 
I was allergic to the perfume, so I had to return it. XXXX customer service told me to call the credit card company once my perfume is processed through the refund procedure. I reached out called 5 times, but they kept on transferring me and then hanging up on me. 

XXXX email, this is what they instructed me to do to file a dispute. I want my {$25.00} CREDIT CARD REWARDS back. The total transaction was {$140.00}, discount of - {$120.00} and tax of {$2.00} thats why I paid {$26.00} {$25.00} was from me saving up all my reward dollars from other transactions. 


I have reached out numerous times in the last 2 years. I stopped reaching out in the last 6 months because it was so exhausting trying to reach them. No one responded to me and now I checked my messages on the app but the messages are deleted. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
SantanderConsumerUSA deceptive business practices. 

SantanderConsumerUSA was sent a check on XX/XX/XXXX for final payment from XXXX XXXX XXXX, the dealership, on a vehicle that was financed through them. This is the final payment owed on a total loss vehicle. 

I called on XX/XX/XXXX and was told the check was " missing ''. 

On XXXX XXXX XXXX XXXX XXXX contacted Santandar and Santander confirmed they were in receipt of the check and it would post shortly. 

I called on XX/XX/XXXX to see if the check posted it was " missing ''. 

Santander then called me on XX/XX/XXXX to say the check was " found ''. 

I called on XX/XX/XXXX payment was still not posted and was told the check was " missing ''. I threatened to contact an attorney. 

On XX/XX/XXXX the check magically appeared and posted to the account and the account was closed. 

On XX/XX/XXXX they reversed the check saying there was a stop payment on the check. 

On XX/XX/XXXX dealer sent a new check overnight via UPS with tracking and signature required. 

On XXXX Santander signed for the package ( I have a copy of signature delivery - attached in document section ) On XX/XX/XXXX I have a recorded phone call where they confirmed they have the check and was told it would post in 5 business days. 

On XX/XX/XXXX it is still not posted. I am being sent a bill, still being charged interest. Recorded a conversation with a manager on XX/XX/XXXX where again Santander confirmed they have possession of the check and then I was hung up on. 

I called again on XX/XX/XXXX after being " disconnected '', also recorded the call and now the check has gone " missing ''. 

XX/XX/XXXX reviewed several XXXXXXXX XXXX complaints and this failure to post payment to consumer accounts seems to be their general business practice, practically those with total loss vehicles. Not an attorney but appears to be consumer fraud on mass scale. 

This is a deceptive business practice and needs to stop. This bank should be investigated and have operations suspended until they make their consumers whole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union We apply credit to that company with my girlfriend XXXX XXXX XXXX and then im athourized user to that account but in the end there never get resolved that issues and until now there never resolved the issue there said we owe money to them that truth is there discriminated us with XXXX XXXX XXXX something not right there manipulating our situation and there hacking all devices we have and there trying to ruined everything to us.We can not get any answer clear from them and there close the account and there trying to take out my name as authourised user now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
you need to improve your third class service on the phone, I'm very irritated, it is impossible to reach someone over the phone, it came on, prompting me to press one number and then another, but I don't reach anyone. 

I also need to know I received the flyer in the mail about receiving {$600.00} in the bonus if {$10000.00} is deposited in the account as a direct deposit. 

is there a minimum balance I need to keep in the account to avoid the fee? 

Direct deposit of {$6200.00} has already been done in the account. 

after depositing the full {$10000.00} in the account, when will I receive the bonus in the account of {$600.00}

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