vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX, Washington They where sending me emails texting me tell me they have a special program with Chrysler capital to get a first time new car buyers loan with Chrysler capital for a XXXX XXXX XXXX used with XXXX miles on it in XXXX with flat tires and barley any oil in the motor!. Three quart low on XXXX XXXX motor oil for a XXXX thats why it sounded like a diesel because it was almost out of oil. 
So I had a XXXX XXXX XXXX XXXX XXXX XXXX door loaded with {$3000.00} down as a down payment and they never added any of it in the contract like they said they would do and the special program was a scam you into a car loan with them at an untold amount of interest rate!. After a wile a towing company called me and asked when I was going to come pick it my XXXX out of XXXXXXXX XXXX XXXX XXXX. I asked what happened they told me the car was involved in a car accident while it was under my name under XXXXXXXX XXXX XXXX policy that was canceled!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Today I received a notification through my XXXX app that my credit score DROPPED XXXX POINTS. Today I also gave my homebuilder a {$2600.00} deposit to hold my home. The score drop is CATASTROPHIC to my ability to purchase a home. I was not notified of this collection before it was added to my credit report. I have received no mail giving me my 30 days ' notice of my right to dispute. This is completely unacceptable. I am working so hard to fix my credit and then I got this blowback. This is NOT RIGHT. There is no reason that I was not notified of this, and I need your assistance to help me exercise my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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:
On XX/XX/XXXX I went and filled an FTC affidavit and police report and sent all the required documents for fraud through certified mail. They have ALL documentation in the mail and are emailing me today saying I need to send all of the same documents ( I paid to have sent to them ) through and upload screen. If I were the average person that gave up and didnt understand technology, I would have given up all together. Their website kept crashing in the midst of me uploading, and kept throwing me into a screen to re-enter my information yet again. Not user friendly at all. I had to go in and send all of the documentations separately. So that was very tedious having to go back through and re-enter all of my information again just to send another document. All of these error need to be fixed. This has been a very difficult time.

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a business and personal account with this financial institution. My business was from in NJ, which I provided every documentation to open both accounts. I scheduled a bill pay from another financial institution to fund the Truist business account which took a week to verify the funds. On XX/XX/23, I was told both accounts was closed due to suspension. I shared all documents needed to verify where the funds was coming which was my other business account, dates, statement etc. still they choose to not verify anything. this is an overt evidence of disparate treatment ; comparative evidence of disparate treatment ; Evidence of disparate impact. please contact me for any additional information. 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 2023-12-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 US Code 1681E Compliance Procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information 15 U.S.C 1681i ( 1 ) Reinvestigation required; ( 2 ) Prompt notice of dispute to furnisher of information ; ( 3 ) Determination that dispute is frivolous or irrelevant and 15 U.S.C 1681b Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to Evidence of inaccurate information see attachment :

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm submitting this complaint personally to resolve issues regarding incorrect personal information and unauthorized inquiries on my credit record. The information in question is not mine, and I urgently request the removal of this fraudulent information.

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 2023-12-16 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-16 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:
On XX/XX/XXXX i have disputed negative accounts that are reporting on my credit report to experian, XXXX and XXXX. The credit bureau claimed that they have completed a reasonable investigation with the furnisher of the accounts and verified that the accounts listed below are 100 % accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 



Report number - 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 2023-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has lost their minds, they are deliberately reducing my score, when I pay on my accounts they take off XXXX points, I have great paying on time history, jhad a score of XXXX 4 months ago, now they have keep going down and down for no good reason, other than to make me have to pay a higher interest rate, this needs to be investigated as fraudly activity

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited my XXXX check from my XXXX XXXX they placed a hold on it which is fine..XXXX  XXXX check cleared XX/XX/XXXX I went in they closed my acct that's fine but placed a hold on interested money XXXX I went in after they closed acct XX/XX/XXXX to get money they can't release my money because it's in a general ledger acct ..which XXXX XXXX could not tell me qhy nor qould she help me resolve this to get my.money .this is us bank XXXX XXXX XXXX XXXX ..they have XXXX which I need now my.mortgage and bills are late and Noone is helping me get my money which the Che k cleared XX/XX/XXXX it's now XX/XX/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 explanation
Consumer complaint received 2023-12-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-16 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: CA

Complaint narrative:
I am not aware of this account. This is fraudulent and this company has never responded with additional information. The company responded they have provided me with information yet I never received the information. 

XXXX XXXX XXXX I will pursue this matter civilly and I have reached out to an attorney. Please find the attached documentation to remove the fradulant accounts.

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 2023-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not aware of this account. This is fraudulent and this company has never responded with additional information. The company responded they have provided me with information yet I never received the information. 

XXXX XXXX XXXX I will pursue this matter civilly and I have reached out to an attorney. Please find the attached documentation to remove the fradulant accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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:
I am not aware of this account. This is fraudulent and this company has never responded with additional information. The company responded they have provided me with information yet I never received the information. 

XXXX XXXX XXXX I will pursue this matter civilly and I have reached out to an attorney. Please find the attached documentation to remove the fradulant accounts.

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 2023-12-16 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-16 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: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: MO

Complaint narrative:
I am reaching out to address a critical matter concerning XXXX XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/2023, I sent a letter to XXXX XXXX ( XXXX Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.

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 2023-12-16 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: MO

Complaint narrative:
I am reaching out to address a critical matter concerning XXXX XXXX 's inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/2023, I sent a letter to XXXX XXXX ( XXXX Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.

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 2023-12-16 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: EdFinancial Services
State: IL

Complaint narrative:
On my credit report there are several companies on my report that I don't know who they are, and I tried to call them and there was nothing done about it, so I wrote to the names of the financial institution that's on my account, that say they are open in my credit files. XXXX XXXX, XXXX, there are deferent. Names 1. Ed financial has 13 accounts.2. Ed Financial/XXXX has 13 accounts.as well.3. Dept of EducationXXXX has 13 accounts. All of these accounts have deferent account numbers and the same amount on them. now back in XX/XX/XXXX  I was granted Student financial Aid forgiveness now all these companies are on my report. They all have the same amounts of payment on there but deferent account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX, XXXX and Capital One I paid off my account and they are still charging me. And won't show or give me any information on my account.

Company response to consumer: Closed with explanation