vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
THE CAR HAD AN ASSIDENT AND TRHE INSURANCE SAID THEY PAID IT WITH GAP INSURANCE .WHY DOES STILL SAY REPOSSESION SANTANDER CONSUMER USA Do you see information you believe to be inaccurate? 
Account info Account name SANTANDER CONSUMER USA Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$27.00}, XXXX written off. {$16.00}, 366 past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$16000.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Original balance {$24000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 90 days CO Charge off ND No data for this period Payment history guide Charge Off as of XXXX XXXX  to XXXX XXXX  90 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
I am filing a formal complaint against the XXXX major credit reporting agenciesXXXX XXXX, and EquifaxXXXX failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in addressing and resolving disputes I submitted regarding inaccurate information on my credit report. Their failure to investigate and verify the disputed information within the legally mandated timeframe has severely impacted my creditworthiness and financial well-being. 

Disputed Accounts : XXXX XXXXXXXX Account ( Account Number Ending XXXX ) : Reported with a balance of {$630.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Account ( Account Number Ending XXXX ) : Reported with a balance of {$54.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Bank Account ( Account Number Ending XXXX ) : Reported with a balance of {$890.00} on a credit limit of {$500.00}, and classified as a closed account. 
Dispute Process : On XX/XX/2024, I formally disputed the accuracy of the above accounts with XXXX, XXXX, and Equifax, citing discrepancies in the reported balances, payment histories, and statuses across the XXXX bureaus. My disputes were sent via certified mail, and I provided all necessary supporting documentation. 
Non-Compliance with FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requires that credit reporting agencies investigate consumer disputes and provide the results of the investigation within 30 days of receiving the dispute. 
As of today 's date, more than 30 days have passed, and I have not received any response or verification from XXXX, XXXX, or Equifax regarding the disputed accounts. This lack of response violates my rights under the FCRA. 
Impact on Creditworthiness : The failure of the credit bureaus to address these inaccuracies has directly harmed my credit score, limiting my ability to obtain credit, loans, or favorable interest rates. The inaccurate and unverifiable information remains on my credit report, further damaging my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I received a text from Chase Bank stating that my credit card needed " attention. '' When I phoned Chase Bank, the agent informed me that my regular payment of {$40.00} made on my XXXX interest rate credit card was not enough to cover my new plan. When I questioned the plan that she was referring to, I was informed that I signed up for their new program referred to as " Pay over time '' which would quadruple my payments so that I could pay off a portion of my balance in 12 months. I informed this agent that I was already at a promotional rate and did not, nor would I sign up or authorize a new plan. The terms of my original, no interest plan are sufficient for my needs and in no way did I authorize a change to this credit card. I asked for proof that I authorized this new addendum added to my card and each of the four agents that I spoke with told me that it can not be reversed and there was nothing that could be done. This financial abuse must be addressed. I demand that this pay over time plan be removed from my credit card and set it back to what I originally agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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 am writing to formally dispute a late payment on XX/XX/year> that has been reported on my credit file regarding my account number [ XXXX XXXX XXXX ]. I believe this information is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681a ( 2 ) ( A ) ( i ). Under 15 USC 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies. I have reviewed my payment history and found that the reported late payment is incorrect. Additionally, according to 15 USC 1681a ( 2 ) ( A ) ( i ) With emphasis on 15 U.S.C. 1681 2 ( a ) ( i ) it says clearly that the consumer report does not include transactions or experiences and i do know that transactions and experiences are dealing with payment history, a consumer reporting agency must ensure that the information it provides is accurate and reflects the true payment history. I request that you investigate this matter and provide me with any documentation you have regarding the late payment, including the date it was reported, the amount involved, and any relevant correspondence related to my account. I am confident that upon review, you will find that this late payment should not have been reported. I would like this to be updated to paid on time, Please address this issue promptly, as it is affecting my credit score and overall financial standing. I would appreciate a response within 30 days to ensure we can resolve this matter efficiently. Thank you for your attention to this important issue. I will also be forwarding this dispute to the attorney general of my state.

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 2024-08-27 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: CA

Complaint narrative:
Unauthorized inquiries that I do not recognize. These inquiries are fraudulent and do not belong to me. Please remove them immediately. My data has been compromised due to the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of 2 personal loans one from XXXX XXXX with a total balance of {$350.00} under the account number XXXX on XXXX XXXX XXXX XXXXXXXX with a total balance of {$530.00} opened on XX/XX/XXXX under the account number XXXX, and Insurance loan with XXXX that went to collections opened on XX/XX/XXXX with a Total balance of {$760.00} under the account number XXXX. These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was never late on this account. Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Self Financial Inc.
State: PA

Complaint narrative:
I was never late on this account. Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-27 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:
as per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from a advocacy group helping me due to XXXX  XXXX debt bondage which falls under XXXX according to XXXX debt final rule 1002,142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request you block and remove this information from my report within four days pursuant section 605C of the fair credit reporting act please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-27 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:
as per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from a advocacy group helping me due to XXXX  XXXX  debt bondage which falls under XXXX  according to XXXX  debt final rule 1002,142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request you block and remove this information from my report within four days pursuant section 605C of the fair credit reporting act please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I rented an apartment. In my period there, it became unsafe to live in. The apartment caught fire, there were sparkling nosies coming from the electrical outlets. Door to balcony did not close and lock. Reported these issues to management. They came out to address the issues on the day of my walk through after I was allowed out of my lease due to these conditions. I have written proof of unsafe conditions and when the issues were addressed. I went to the apartments like I was asked to to do the final walk through. Management declined and said there was no need to complete the walk through. I gave the apartment back to Management cleaned and in the condition I took residence, only to find out that they had gone in the apartment the day of the scheduled walk through to address the unsafe living conditions. They then reported an astronomical amount to a debt collector and its affecting me and my survival.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You are still reporting inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. This is my second attempt to dispute the validity of the inaccurate accounts you are reporting in its entirety. Further, I request the name and address of the person ( s ) that you contacted to allegedly " verify '' the information that I have rightfully disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate : XXXX XXXX XXXX - Account # : 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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
They have locked my account and I am not able to use the service. They do not have customer service which can unlock it. They have also closed my existing case.

Company response to consumer: Closed with explanation