vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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 HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
This account was resolved through a settlement agreement on XX/XX/2023, and the agreed payment was made in full to satisfy the balance. 
However, the charge-off continues to appear on my credit report.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Branch Messenger, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX who was forced to use Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon them receiving notice of your lawsuit they uploaded a new arbitration agreement form which blocks users from utilizing services until accepted. I contacted branch to close the account today on XX/XX/year> and was told they will only close it if I agree to let them have my remaining balance. They are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> I applied for an XXXX XXXXXXXX XXXX XXXX  XXXX card. I was approved and received the card in early XXXX. When I had not received a bill, I called the customer service line and was told I had a payment due on XX/XX/year>. On XX/XX/year> I learned that they reported a XXXX late payment because my payment was due on XX/XX/year>! I never received a bill or any notification whatsoever that a payment was due. I feel this is unfair and XXXX  XXXX XXXX did not have my back as a consumer. I am paying off the card and closing it.

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 2024-12-31 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: NH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
My daughter was in a wreck and Total lossed the car. ( XXXX  XXXX XXXX XXXX ) My daughter said she called them and told them what happened. My daughter had the responsibility of making payments on that vehicle, not me.Santander Consumer still calling.There is no car to pay on.It was a total loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have continually contacted XXXX, XXXX and Transunion about the addresses that are showing on my credit report are not my addresses. XXXX XXXX XXXX XXXX, TX XXXX and po box XXXX XXXX, TX XXXX have never been my addresses. My current mailing addresses are XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. I have had XXXX XXXX XXXX for over 5 years. XXXX keeps stating that the company contacted the Office of the Attorney General of Texas and they are the ones who gave them XXXX XXXX XXXX and XXXX. It is wrong. Those are not my addresses. The XXXX XXXX XXXX has repeatedly had to put mail sent to XXXX XXXX XXXX and XXXX with my name on it into my box which is 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have continually contacted XXXX, Equifax and XXXX about the addresses that are showing on my credit report are not my addresses. XXXX XXXX XXXX XXXX, TX XXXX and po box XXXX XXXX, TX XXXX have never been my addresses. My current mailing addresses are XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. I have had XXXX XXXX XXXX for over 5 years. XXXX keeps stating that the company contacted the Office of the Attorney General of Texas and they are the ones who gave them XXXX XXXX XXXX and XXXX. It is wrong. Those are not my addresses. The XXXX XXXX XXXX has repeatedly had to put mail sent to XXXX XXXX XXXX and XXXX with my name on it into my box which is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
A fraudulent credit card application was made using my information. I received alerts from XXXX XXXX. I called XXXX to confirm the fraudulent activity and called the bank to let them know, too. 

Alert Type : Inquiry Alert Sub Type : New Inquiry Source : XXXX Alert Date : XX/XX/year> Inquiry Date : XX/XX/year> Name XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Business Type : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXX XXXX XXXX : UT Zip : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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 XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I entered into a settlement with mariner finance to eliminate the debt that I had with them. The settlement agreement was for the amount of {$1400.00} to begin XX/XX/XXXX. 
I completed the settlement in two payments using the online portal, the first for {$110.00} on XXXX the second for {$1300.00} on on XX/XX/XXXX bringing the total to exactly XXXX. 
As of XX/XX/XXXX they have not acknowledged the settlement was complete, still add additional late charges, and marked me as charged off ( not settled ) for the month of XXXX. 

The settlement agreement said " upon completing the agreement, mariner finance will report your account as settled to the attorney and court ''. After 30 days, they have taken no action and continue to falsely report additional negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: DISCOVER BANK
State: CA

Complaint narrative:
My Discover Credit Card was stolen and fraudulently used to purchase approx. $ XXXX in gift cards and {$180.00} miscellaneous in a different city. I have not used this card over a year. Discover sent me an email to confirm authorization, but I missed it. The person that used the card called Discover to authorize the charge. They did not call from my phone number, but a phone number that I do not recognize, nor I do not have it saved in my cell phone. The credit card company claimed that the voice calling matched my voice, and therefore it is an authorized charge. However, the process for matching voices is based on opinion of the investigators within the company, and they did not allow me to listen. They did not check video footage. The case was opened twice and still concluded " the charge was not fraudulent ''. 

For context, I do not use this card and only keep it active because it is my oldest card, since credit reporting values the amount of the time that credit accounts have been open. The card used for the fraudulent charges is missing/stolen. Based on my purchase history, it is not likely that I am someone that would purchase thousands of dollars of gift cards in the middle of the night and I was not in the city that the second charge happened the next day. I rarely go to the grocery store that the $ XXXX charge occurred, and do my shopping at other grocery stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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 2024-12-31 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: TN

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report 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 2024-12-31 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} 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 XX/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 2024-12-31 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: GA

Complaint narrative:
XXXX XXXX, XXXX, and Equifax is knowingly reporting unfair and inaccurate account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to the Principal 's credit report. This is my official complaint about the unfair practices and trespass. Please see the attached notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
XXXX XXXX, Experian, and XXXX is knowingly reporting unfair and inaccurate account information from XXXX XXXX XXXX I and XXXX XXXX XXXX. to the Principal 's credit report. This is my official complaint about the unfair practices and trespass. Please see the attached notice.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Tesla, Inc.
State: AL

Complaint narrative:
XX/XX/2024 I was XXXX min from my home when I received a notification that my car alarm had been triggered. I went out to the parking lot and noticed my car was gone. I tried making sure I was not in the wrong lot and tried unlocking and locking the car so that I could locate it. I called XXXX to report the car stolen and they contacted me back stating it had been picked for repossession. We have not received XXXX phone call, XXXX piece of mail, anything certified over-nighted NOTHING from Tesla stating the payments I have made did not go through or that we were in a state of repossession. I immediately got on the phone with Tesla and was standing in the bank within XXXX min trying to wire any funds that did not go through. I was told after over XXXX hours of waiting on hold that a XXXX would contact me back within XXXX hours. I have since emailed multiple times a day and called multiple times a day to be told I must be patient and wait for a supervisor to contact me back. I NEED my car back and we will do what ever we need to do to get it back even if we have to pay off the loan in its entirety. I have contact multiple people at the local Tesla in XXXX and they assured me they would have someone internal to call me back. I have texted the same location the last XXXX days and they have instructed me to contact the same number and same email address for assistance. THIS IS NOT WORKING so I am resorting to email every email address I can find, number I can call and text any option I have for immediate and urgent help. They have absolutely no other way to get a hold of anyone, make payments, get a resolution on an issue you may have and this has caused major issues. I have read where this has become an issue with other owners and this damages relationships, financial status, and causes due harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: World Acceptance Corporation
State: IN

Complaint narrative:
I have a account that has a XXXX balance called the company and was told that it was sold to collections they gave me the collections agency number I called and gave name ssn and date of birth and was told they have no account under that name and this is negatively impacting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I deposited {$5500.00} between XXXXXX/XX/XXXX through XX/XX/XXXX to Coinbase. I purchased approx {$1500.00} of XXXX on XX/XX/XXXX. That leaves a balance of {$4000.00} that is now missing as it never showed on their website and/or statements. Also, I purchased XXXX of XXXX on XX/XX/XXXX and now my balance shows only XXXX. I have not sold anything. This missing piece equals approx {$34000.00} of lost/stolen current value! 

My most recent call to them ( XX/XX/XXXX ) lasted over 5 hours and I still got no answer!

I have to turn to you good people to help me and my family recover these critical assets. Thank you for anything and everything you can do to help!

Please let me know what else you may need from me. I have all the statements to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avid Acceptance, LLC
State: TX

Complaint narrative:
The vehicle was damaged and towed due to auto collision. The company repossessed the vehicle from a tow lot and sold it. The wrote the vehicle off and got credit but never sent XXXX. In addition I had the vehicle 6 months and paid a total of XXXX at the time of repossion. The total price for the vehicle was {$23000.00} the company carried insurance to cover damages as well. They are reporting the balance as XXXX although they have been paid several times.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am chase customer. There is a fraud transaction on my account worth XXXX $ on XX/XX/year> noon. 

I blocked my card and claimed for fraud transaction. But no updates from chase.

Company response to consumer: Closed with explanation