vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Santander Consumer USA Inc . 
Attention : Customer Service XXXX XXXX XXXX XXXX, TX XXXX **Re : Response to CFPB Case No. : XXXX **Santander Account No. : XXXX Dear Sir or Madam, I am writing in response to your letter dated XX/XX/XXXX, regarding the above-referenced CFPB case and my account with Santander Consumer USA. I appreciate the time taken to review my concerns and provide a response. 

After carefully reviewing the information you provided, I would like to address the following points and request further clarification on some matters. 

**1. Clarification on the Interest Rate and Loan Terms : ** While I understand that the interest rate on my contract is based on various factors, including my creditworthiness, I would appreciate a more detailed explanation of how the rate was determined in my case. Specifically, I would like to know if there were any specific factors that led to the APR on my contract being higher than expected or compared to other similar loans.

**2. Allegation of Unfair Treatment : ** I maintain that I was not treated fairly in the approval and servicing of this loan, particularly regarding the transparency of the contract terms. I would appreciate a more thorough review of my complaint, as I believe that there may have been an error or oversight in the origination of my loan that needs to be rectified.

**3. Opportunity to Refinance or Modify Terms : ** While I understand that Santander does not currently offer refinancing, I would like to formally request any available options for modifying the terms of my loan or seeking assistance with lowering my monthly payments. Given my current financial situation, I am seeking any relief options that could be made available.

**4. Previous Correspondence : ** I acknowledge the letter dated XX/XX/XXXX, and the information regarding filing a complaint with the New Hampshire Banking Department. I will certainly review that information and consider further steps if needed.

**5. Request for Additional Documentation : ** I am in receipt of the documents you have enclosed, including the contract, credit application, and payment history. However, I would like to request a more detailed breakdown of how my payment history is being reported, as well as a summary of any fees or charges that may have been added to the account during the servicing of the loan. 

I would appreciate a response at your earliest convenience. If necessary, I am happy to discuss this matter further and work toward a resolution. Please feel free to contact me by phone at XXXX via email at XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I wanted to open more CD accounts with XXXX as they have pretty good rates. 

We transferred money on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from National Bank of Arizona to XXXX to open more CDs. I kept the transfers at XXXX each so you XXXX XXXX did not bother me about the transfers as the XXXX advised me in an article you banks report everything above XXXX. I was just trying to buy some stupid CD 's. This was money we had sitting there anyway, I wanted our money to make money as we are getting old. 

Anyway, XXXX swears they sent the money, I have tracking numbers, XXXX said they did not receive it, they both want me to blame the other one. 

I requested a formal meeting over the phone, with XXXX, my husband, and myself, to straighten this out, XXXX said they could not do that, but I could call the XXXX line and set up a meeting with whoever answers the phone. 

So, we have XXXX, sitting in limbo, somewhere, and neither bank seems to want to claim responsibility. 

I have everything documented.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MN

Complaint narrative:
Over {$2000.00} was took of my card, on XX/XX/XXXX, I contacted cash app, & no one ever got back to me on the issue, I asked to speak to a live agent & no one ever got back to me regarding this claim. 
Complaint # XXXX XX/XX/XXXX Subject : Unauthorized Double Charge {$200.00} Phone Bill On XX/XX/XXXX, I attempted to pay my phone bill for {$200.00}, but Cash App charged me twice for the same transaction. I immediately contacted customer service through the app and email, but I never received a response. There was no option to speak with a live agent, and my refund was never processed. 
This is completely unacceptable. I need my {$200.00} refunded immediately. The fact that your company refuses to provide proper support is beyond frustrating. I demanded an immediate refund and a response from an actual person, not automated messages that lead nowhere. 

I had a {$500.00} direct deposit scheduled for XX/XX/XXXX, but only {$250.00} came through. I waited to see if the rest would arrive, but it never did. I immediately contacted support, only to receive no response. There was no way to talk to a live agent, and I kept getting ignored. 

To make matters worse, instead of resolving my issue, Cash App closed my account entirely. Now, not only am I missing {$250.00} from my direct deposit, but I no longer have access to my account at all. This is absolutely unacceptable, and I demand answers. 

If Cash App is stealing money from customers and ignoring their complaints, this needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX called me at work requesting payment for an account. After being told that account was fraudulent XXXX XXXX XXXX  harassed me at my place of work for weeks calling over and over again for a payment they are aware is not mine. XXXX XXXXXXXX XXXX has harassed on work hours for many weeks now. Among many other violations harassment on work hours and reporting a false debt are among many of the FCRA violations XXXX XXXXXXXX XXXX has occurred

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX called me at work requesting payment for an account. After being told that account was fraudulent XXXX XXXX XXXX harassed me at my place of work for weeks calling over and over again for a payment they are aware is not mine. XXXX XXXXXXXX XXXX has harassed on work hours for many weeks now. Among many other violations harassment on work hours and reporting a false debt are among many of the FCRA violations XXXX XXXXXXXX XXXX has occurred

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 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One offers to move the due date 3 times over the life of the loan. I previously moved the payment up from the XXXX of the month to the XXXX of the month and after approximately 1 year I need to change that request to move back to the XXXX of the month. I paid 1 month ahead for additional interest charges and could not do so and was advised that I could only move the date 2 times which is not what the website states. 

" You can move your due date into the future a maximum of 15 days from your original due date. You can change your due date 3 times over the course of your loan, however the 15 day limit still applies. '' I moved the original day of the XXXX of the month to the XXXX and they are now advising me they will not move it back and that I have only 2 opportunities to change this date. l

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-05 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
Hello, I completed my Income Driven Repayment Plan application through the Federal Student Aid website on XX/XX/XXXX, and it was submitted to my loan servicer MOHELA on XX/XX/XXXX. Since then, my loan repayment has been placed on forbearance and later taken out of forbearance due to the major delay on them reviewing my application, which is forcing me to make maximum payments on my loans even though I am eligible for the XXXX plan. Since XXXX, I have been desperately trying to contact MOHELA to understand why this is happening as all I want is my plan to be put in action. I have called MOHELA at least XXXX times since XXXX with each call requiring me to be on hold for 4+ hours, and the two times I actually had someone answer the phone after being on hold for 4 hours, they said that they had to transfer me to their " specialist '' where I was then placed on hold for an additional 4+hours, waiting on hold until their office closed, never getting an answer. Since then, I have tried emailing them which ended in them responding by saying " email responses can not be provided '' and they told me to call their number again. I still continue to try to call their office once a week desperately to no avail which has led me to complain here, please help me. I do not know what else I can do if this complaint does not solve anything, the only logical next step in my mind would be for me to contact a student loan law or consumer protection lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-05 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: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo is trying to consider my car for repossession just because I was unemployed and I'm XXXX  days past the point of making payments they want the entire balance or payments or XXXX a month which I can afford or they say sell the car or surrender the car. Even when the insurance company gives the check the insurance company gets the title and car and I'm out of everything including my job which I just started XX/XX/XXXX due to medical administration leave or a case I am in against a former employer in fact XXXX former employers. They are not willing to negotiate with me under any circumstances.

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 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: LA

Complaint narrative:
I had a collections account opened from XXXX with an amount of {$330.00} in XXXX when I left my phone plan with them and switched to XXXX XXXX. So that originally hit my credit at that time when it did not get paid. I got another notification in XXXX  that the SAME collections debt had apparently been sold off to another debt collector by the name XXXX XXXX who was now handling the XXXX XXXX, which they then hit my credit again in XXXX  when they resubbmitted the collectons debt to the credit reporting bureaus, dropping my points by XXXX points. So not only are they making it appear that the debt collections is newer, which it is not. But they are also rehitting my credit a second time, and reaging the debt so anyone who looks at my credit report now assumes I got a collections 2 years ago. Which was actually 4 to 5 years ago. I tried to call the debt collector company and they said there was nothing they could do, they purchased the debt from someone else which is why they had to resubmit it. They said all I could do was pay it off, and they would remove it. Which is FINE, I plan to pay it off within the next month or so but I want it dated correctly on my credit report before I pay it off. I know it can not be removed fully until after 7 years, but it should be dated XXXX on the original collections. I tried to dispute with XXXX, and XXXX, but they both denied this on their end, I assume the company told them the same thing I am unsure. They might have thought I was asking for it to be removed, I am not. I want the debt, aged correctly. Just because they purchased the debt from someone else doesn't mean they can hit my credit again, making it appear like I just did this in XXXX. Its a lie, and not fair to me and how hard I have worked to get my credit up and pay things off. I have increased my credit by over XXXX points in the last 3 years, and them doing this has knocked me down by XXXX points. I just got rid of an account that was over XXXX years old that tried to do the same thing and got those points back from XXXX XXXX  XXXX XXXX alone XXXX I am still waiting to hear back from XXXX on them. It is wrong they think they can do this to people just because. Them doing this has also hit my credit showing that I have 30 day late payments, 60 day and 90 day. I have NO late payments for years. They are classifying it as late payment towards a collection. is that even allowed?

Company response to consumer: Closed with explanation