vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: AL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I made a Formal Complaint Regarding Incorrect Information on Credit Reports with Santander Consumer USA I called them to dispute and request assistance in resolving inaccurate and damaging information that has been reported on my credit report by them Santander Consumer USA. 

I contacted Santander Consumer USA to address errors on my credit report, as they inaccurately indicate that my account with them includes late payments and is not marked as Paid as Agreed. These inaccuracies are impacting my creditworthiness, and I request that Santander Consumer USA update all XXXX  credit bureaus accordingly. 

To clarify, I have fully paid the balance on this account down to XXXX and fulfilled all obligations, which should qualify the account to be marked as Paid as Agreed. Additionally, while there are records of late payments, these occurred due to exceptional hardships related to relocation and the COVID-19 pandemic, which would be considered as Natural Disasters, during which I faced unexpected financial challenges. I was approved by Santander Consumer USA for payment extensions to assist me during this period, yet this arrangement is not correctly reflected on my credit report. Given these circumstances, the late payments should be removed to accurately reflect my repayment history. 

The current negative information on my report is inaccurate and detrimental to my credit standing. I respectfully request that you instruct Santander Consumer USA to work with the credit bureaus to update my account status as Paid as Agreed and remove the inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a bank account with BMO on XX/XX/XXXX and while opening the account, I got a promotional offer from the bank that 1 ) if I deposit {$7500.00}, then the bank will give {$500.00} and 2 ) a {$100.00} XXXX or XXXX gift card when I complete talking to a banker about my financial goals. 
However, the bank hasnt sent me any information related to the gift card and despite requesting the same, the bank blatantly shuns me and doesnt send me the gift card even though they acknowledge that I did complete the requirements.

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 2024-11-10 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:
Transunion has failed to provide the information requested in previous disputes to verify the ACCOUNT- XXXX XXXX XXXX XXXX and provide their method of verifying the account information. 

XXXX XXXX XXXX XXXX is reporting inconsistent high credit balances across all three credit bureaus ( XXXX, XXXX , and Transunion ) so how was the information properly verified?

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 2024-11-10 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: MD

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
1. Incorrect Name : The name listed on this account is incorrect. Under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. As this is a material error, I request the immediate correction of the name associated with this account to reflect the correct details. Please update this entry accordingly.

2. Multiple Charge-Off Entries : Additionally, I have noticed that the account has been reported as charged off multiple times, which is an error. Under FCRA 605 and FCRA 623, a charge-off can only be reported once. The repeated reporting of charge-offs on this account is misleading and inaccurate.

As per FCRA 605, charge-offs are a one-time event and should only be listed once. The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the account.

I request that the multiple charge-off entries be corrected by ensuring that only one charge-off is reported for this account.

Request for Immediate Investigation : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough investigation into both of these issues. Please provide proof from the creditor regarding the date and legitimacy of the charge-off ( s ) and ensure that the account is reported accurately, with the proper name and a single charge-off entry.

If the creditor can not substantiate the multiple charge-offs or correct the name, I request that the inaccurate entries be removed from my credit report. Please send me an updated copy of my credit report showing the corrections made as I requested XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.

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 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against Portfolio Recovery Associates ( PRA ) due to their continued contact with me after I requested that they cease all communications regarding my account. I initially submitted a formal complaint to PRA through the Consumer Financial Protection Bureau ( CFPB ) on XXXX  ( Case number XXXX ), and PRA acknowledged my request to stop all communications by providing a response on XX/XX/scrub>XXXX, stating they would honor my request to cease all communications. 

Despite their acknowledgment of my request, I received a phone call from XXXX on XX/XX/scrub>XXXX  regarding the debt in question. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( c ), which prohibits a debt collector from continuing to contact a consumer once they have been informed in writing to cease communication.

Specific Violation : Failure to Cease Communication : As per the FDCPA, PRA was required to stop contacting me after I requested in writing that they cease all communications. They failed to honor my request, which is a direct violation of 15 U.S. Code 1692c ( c ).

Harassment : The continued phone calls after my request may also be considered harassment under 15 U.S. Code 1692d as they have not respected my request to stop communication. 
I request that the CFPB take appropriate action to address this violation and enforce my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-10 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
" I am disputing the charge off status of XXXX XXXX XXXX  as reported on XX/XX/year> by XXXX, XXXX, and XXXX reporting agencies. This account was paid in full. According to FCRA Section 623, furnishers must provide accurate information. I request that you investigate this matter and update the account status, using the appropriate code ( 01 or 11 ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Truist Bank 's handling of my account closure and the withholding of funds since XX/XX/year>. My business account received a payment from my business partner via wire transfer. However, Truist Bank closed the account, citing various conflicting reasons, including issues with XXXX, large wire transfers, and a potential hold for claims. I have received inconsistent responses from bank representatives, and one agent informed me that my funds would be returned to the sender to " refund other people, '' despite me being the rightful account owner. 

As a XXXX XXXX, I am concerned about discriminatory treatment and the lack of transparency, which has caused severe financial hardship. Despite multiple requests for clarity and action, Truist has not provided a clear or timely resolution, and I believe my rights under federal and state laws are being disregarded.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In an attempt to freeze my credit file with experian, somehow enlisted me in some service for an ongoing subscription. Each week, they attempt to charge a credit card but it isn't a card that I have so it's confusing. I've tried to cancel but there's no contact information and the telephone number they've provided doesn't provide any resolution. I have a free subscription with Experian : XXXX  # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased a treadmill through AFFIRM..I have sent numerous pics, videos, and screenshots trying to contact XXXX XXXX and his staff and XXXX XXXX. The treadmill is defective. I made a dispute with Affirm for them to only say sorry but you must pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: WY

Complaint narrative:
I am writing to request an update to my personal information on file with all three major credit bureaus : XXXX, XXXX, and Experian. My correct and current information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, United States Employment : XXXX XXXX XXXX XXXXXXXX Additionally, I would like to formally request that Experian remove the incorrect address listed on my credit report as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is no law preventing the removal of inaccurate or outdated information from credit reports, and as this address is not valid or associated with me, I ask that Experian promptly delete it from my record.

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 2024-11-10 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I placed an online order with XXXX XXXX XXXX for 3 items, 2 dresses and a jacket, order # XXXX. On XX/XX/year>, XXXX delivered a box to my home containing two items from the above mentioned order, tracking # XXXX. When I brought the box inside it appeared damaged and had clear tape all over the sides. I opened the box and there were only two items inside, a dress with visible stains on the front and a jacket, there was no packing slip included in the box. I immediately contacted XXXX Customer Service to begin a return for the dress, when I told the rep I only received two items she informed me that 3 items had been shipped. She told me to email her pics of the box and dress and she would open a claim. I sent the pictures as requested and returned the damaged dress. After not hearing anything for a month, I contacted XXXX again only to be told no claim had been filed so again the rep refiled the claim. I called again in two weeks only to be told my claim was denied because 3 items were shipped and I needed to file a claim with XXXX XXXX the bank of my XXXX XXXX. I opened a claim with them # XXXX, they also denied the claim sending me The XXXX tracking history printout and saying the package was delivered, when I called to dispute the denial I was given the phone number for Comenity Bank as they were the new bank for XXXX XXXX XXXX. I contacted them and opened a claim. They also denied the claim again referencing the XXXX tracking history as proof the package was delivered. I sent a certified letter to Comenity Bank along with pictures of the box 's condition and the stained dress. I stated in the letter " I am not disputing receiving a box from XXXX, I'm disputing the contents of the box. '' I also questioned a notation on the XXXX shipping history that shows when the box arrived in New Jersey the barcode was unreadable and needed to be relabeled. What caused the barcode to become unreadable, had it been opened. They never responded, just denied the claim. The amount of the dress I never received became due as it had been frozen while the claims were pending and they continued to deny my claim. I have since paid the amount of {$140.00} unwillingly as I did not want to harm my impeccable credit. However I am unjustly paying for an item I never received, it was NOT in the box delivered to my home by XXXX on XX/XX/XXXX. They have not offered me any proof the item was in the box, there was no packing slip included in the shipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: Early Warning Services, LLC
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - 5 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted company information Early Warning. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Subject : Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, XXXX XXXX XXXX has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. 

2. XXXX XXXX XXXX : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. 

Under California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection 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 explanation
Consumer complaint received 2024-11-10 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: MO

Complaint narrative:
There are inquiries on my report I do not recognize.

Company response to consumer: Closed with non-monetary relief