vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: MD

Complaint narrative:
On XX/XX/year> I paid {$4000.00} out of the {$5300.00} owed due to a settlement agreement with XXXX. I was emailed a settlement letter on XX/XX/year> stating that {$4000.00} was the amount agreed upon. I called and paid the {$4000.00} via the phone. I had several conversations with a representative regarding my account and in the end the {$4000.00} was the settlement agreement. I was told my loan would be closed and I no longer owed any more to the company. I received a debt collection letter in the mail recently and was surprised that it shows I owe the {$1300.00}. I do not owe this amount. I reached out to XXXX, but have not gotten a response. The conversations I had with the representative were recorded on their end, so if you need proof, please contact them for the recordings. I can provide the letter.

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 2024-04-29 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: PR

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, BBB COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), XXXX REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-29 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing this email to inform you of a distressing situation I find myself in, and to seek immediate assistance in resolving it.

I had a friend who, at one point, seemed to genuinely care for me and was willing to help me when I was going through a difficult period in my life. This friend, along with her older boyfriend who was financially well-off, offered to assist me in getting a car. They proposed a plan where I would have XXXX  cars in my name, with the understanding that I would not be responsible for any payments or insurance for one year. I agreed to this
arrangement, believing it to be a much-needed opportunity to improve my circumstances.

However, after some time, my connection with this friend deteriorated, and she abruptly cut off all communication with me. As a result, I am now in a precarious situation where both cars are in their possession, but I am being held accountable for tolls and facing the consequences of their actions.
Furthermore, one of the cars was involved in an accident, leading to additional complications for me.

I have reached out to report the cars as stolen, but I am struggling with the repercussions of this situation, including a suspended license and the impending repossession of the vehicles. I am now in debt and urgently require assistance to rectify this unfortunate turn of events.

I realize now that I have been taken advantage of, and I am in desperate need of guidance and support to navigate through this challenging time. Any help or advice you can offer would be greatly appreciated as I work towards finding a resolution to this distressing situation.

Thank you for your attention and understanding. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/2000 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
I have recently examined my credit report and identified some unauthorized inquiries still reporting in XXXX and Transunion : XXXX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Account Number : XX/XX/XXXX Please remove it from 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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was charged {$400.00} in an overpayment by XXXX. XXXX on my Commenity Bank credit card and the agent from Commenity bank failed to register this complaint when I called it in. I called XXXX complaints into Commenity Bank within 90 days from the overpayment charges, XXXX for the {$400.00} and another for {$300.00} but the Commenity Bank agent only filed XXXX of the overcharges, the {$300.00} of which I received a credit. A Commenity Bank manager resolved the dispute by giving me a {$400.00} credit on my statement. Commenity then reversed the credit and re-charged me the {$400.00}. I mailed a check under protest and sent them a letter to this effect. I want the credit reinstated as it was not my fault that the agent failed to register both claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In accordance with the fair credit This creditor has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose. 

SANTANDER CONSUMER USA XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is in reply to complaint # XXXX which was submitted at the end of XXXX and complaint # XXXX which was submitted at the end of XXXX. It is now the end of XXXX and we're doing this again. 

I've been told by Chase to contact them via e-mail which I did and never heard back. Since Chase replied to the first complaint with this information this case was automatically closed. 

I was told to call a direct line to the Executive Offices which I did and never heard back despite leaving a voicemail with my name and contact information. Chase replied to the first complaint with this information this case was automatically closed. 

CFPB please do you XXXX job and protect me as a consumer. I'm literally being forced to make making multiple complaints about the same problem each time Chase replies because when they reply, the case is automatically closed. Chase has refused to compensate me and fix the problem despite my following their directions. I've received letters telling me I have 2 days to reply even though by the time I receive the letter 2 days has already passed. I've been told to e-mail and call them back at a specific number which I do and still have heard nothing back. This is XXXX insane how a business is allowed to operate like this. My tax dollars has bailed out Chase but they can do nothing to help me when I need it. 

I've been promised multiple times that the problem will be fixed but nothing has been fixed. I have not received my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this Wells Fargo tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. Wells Fargo refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies XXXX XXXX and XXXX that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher Wells Fargo which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over XXXX years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I called XXXX XXXX XXXX because I was not able to open a Bank account on my behalf. I ordered Early warning and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX  XXXX XXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I called XXXX XXXX XXXXXXXX because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX  and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX  in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX XXXX XXXXXXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
I called XXXX  XXXX XXXX because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX  in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX  XXXX XXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.

Company response to consumer: Closed with explanation