vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This letter addresses a profoundly alarming incident that occurred on XX/XX/year>2024, at my residence, stemming from the unlawful, abusive, and violent actions of Chrysler Capital, its agents XXXX XXXX XXXX XXXX XXXX XXXX and its parent company, Santander Consumer USA, with ties to XXXX XXXX. The incident involved an unauthorized and illegal repossession, which escalated into criminal trespass, property damage, and physical assault. Specifically, the tow truck driver struck the corner of my home with the vehicles towing device while maneuvering, causing structural damage to the bottom corner of the house. Additionally, the driver damaged my driveway gate, breaking the hinges due to the tight clearance between the house and the fence. These damages are substantiated by the attached photographic evidence. When I confronted the individual, he continued to ignore my requests for identification and purpose. After sitting in the driver 's seat of my vehicle, he began using threatening language, yelling obscenities at me. As I stood in front of my vehicle, he discharged pepper spray directly into my face and tasered my leg, causing extreme pain and disorientation. My son, who had followed me outside, witnessed this traumatic event and began to scream. This entire ordeal was observed by neighbors and family members, who attempted to intervene on my behalf. Police arrived shortly after i called them, but the tow company ultimately removed my vehicle from my property without my consent. And I had to spend the night in jail also, the hospital and got fingerprinted for the first time because the tow truck driver lied and told the police I assaulted him so he could take my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: DE

Complaint narrative:
Subject : Second Complaint Regarding False Account - XXXX  XXXX Bank ( Identity Theft ) - Request for Monetary Relief Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit my second complaint regarding an ongoing issue with a false account opened in my name with XXXX XXXX Bank, which is a result of identity theft. The details of this complaint reference my original case, Complaint # XXXX, and I have also previously submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ). Equifax XXXX And XXXX continue to violate my rights by continuing to report the false information Despite my initial report to you Equifax XXXX, which included the submission of the FTC report and documentation proving my identity theft, the issue remains unresolved. XXXX XXXX XXXX  continues to report the fraudulent account under my name, severely damaging my credit and causing significant financial hardship. This false account is not only a violation of my personal security but has led to tangible, lasting consequences. 

I am deeply disappointed by the lack of progress and the willful neglect displayed in addressing this matter. Every effort I have made to rectify this situation has been met with delays, non-responsiveness, or dismissals. I have been forced to invest an unreasonable amount of time and emotional energy into a problem that should have been resolved swiftly. 

As a result of the continued inaccuracies on my credit report and the associated financial harm, I am now seeking monetary relief for the damages caused. My financial well-being, credit score, and emotional health have all suffered significantly due to this issue, and I believe that it is only fair that I be compensated for these damages. 

I kindly request your immediate intervention to resolve this matter and hold XXXX XXXX XXXX  accountable for its failure to address the fraud, as well as the ongoing harm it has caused. I also request that you expedite the removal of this false account from my credit report. 

Thank you for your attention to this serious matter. I trust that the CFPB will take swift action to ensure that my rights are protected and that I am provided with the relief I am due. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidem Baltimore Holdings LLC
State: CA

Complaint narrative:
I have been dealing with this since XXXX of this year, and very soon, I will not be able to secure housing because of this incident with Ignite. We came to an agreement in XXXX that my credit report would be corrected. It is corrected with XXXX, but still has a 120 day late payment listed with XXXX and XXXX. I have disputed this MULTIPLE times with both bureaus and still XXXX XXXX  is communicating to the credit unions that the 120 day late payment should stay on my report, even though I have been assured in writing it will be removed. Please help and finally resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-11-19 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Maryland XXXX [ XX/XX/year> ] Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute and Request for Refund of Overdraft Fees Dear Navy Federal Credit Union, I am writing to formally dispute several overdraft fees applied to my account ( Account Number : XXXX ). Over the past year, I have noticed numerous overdraft fees, including cases where no transactions occurred on the days these fees were assessed. 

In some instances, the system has automatically refunded these fees after determining they were charged in error. However, there are still many fees that remain unaddressed, despite being applied under similar circumstances. This has caused me significant financial strain, as I have paid a substantial amount in fees that I believe were improperly charged. 

I respectfully request the following : 1. A thorough review of my account to identify all overdraft fees charged in error, including those that remain unresolved. 
2. A refund of all overdraft fees that were improperly assessed. 
3. Clarification of your overdraft policy and the steps you are taking to ensure fees are applied accurately in the future. 

Please consider this letter a formal request for investigation and resolution. I expect your response within 14 business days. Should you require additional information or documentation, I can be reached at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-11-19 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected 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

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 2024-11-19 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-19 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

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 to be removed/updated. 

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. 

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!

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 2024-11-19 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it 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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I used my card to charge {$90.00} in XXXX XXXX. My normally normal monthly charges are less than {$10000.00}. Someone hijacked the card and ran it up to {$84000.00} in less than two weeks. There were no fraud warnings from the card company, and they only learned of it when I placed the call to them even though there were dozens of identical transaction amounts of {$900.00} each. They are doing an investigation with XXXX as the charges were XXXX XXXX, but have not provided provisional credit. My credit score has been knocked down by XXXX points because of this high balsnce, Im getting collection emails from the card company and Im also getting marketing calls from the credit department of the card company during the investigation to encourage me to use the card more. Ive called several times for an update on the investigation, but they have no information and just keep telling me it will take a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-19 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: PA

Complaint narrative:
These inquiries are unauthorized and I am a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trust Financial LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I had a collections from Rocky Mountain Recovery pop up on my credit report for {$1400.00}. I never received any mail or any other form of communication from this company stating I was in collections or they were attempting to collect a debt. I called in to verify the debt on XX/XX/XXXX and their representative never told me this was an attempt to collect a debt and that they needed to get more information to provide me with a verification. They told me the debt was for an emergency room visit in XXXX of XXXX in Utah. When I expressed concern that I have never visited an emergency room in Utah and that I was not in Utah during XXXX of XXXX they said they would look into it further. I asked if they could mail me any information they had pertaining to it and they said they could not and would call me once they had information. I asked when I could expect to hear back and they said they it could be up-to XXXX months before I heard anything. I called back again on the XXXX to verify their address so that I could send a formal verification and dispute letter to them. During that phone call their attorney got on the phone with me to explain they can not mail me anything and I have no right to dispute my debt. Also that they are not licensed in Nevada  ( where I live ). I expressed further concern on how I could deal with this incorrect information that is effecting my finances and credit if theyre unlicensed in my state and refusing to work with me or transfer this to another licensed debt collector. Their attorney said he could speak to me on but no one from the collection agency could. I expressed concern on my ability to dispute this with no written documentation on anything from the agency and the attorney again told me I was unable to dispute the debt. I ended the call feeling threatened and troubled. I have since sent Rocky Mountain Recovery a formal dispute and request for verification by certified mail and Im attempting to dispute with experian and XXXX. I plan to file a police report when any documentation on this debt is sent to me. Any help with this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I demanded that my accounts be suspended within the next XXXX hrs, at the very latest. 
And my funds are available to be withdrawn at my description. 

My Checking and Savings accounts with Upgrade.com ( through XXXX XXXX  ) got suspended yesterday when I tried to initiate a transfer ( withdrawal ) from my newly opened account at XXXX XXXX. 
XXXX XXXX  attempted to withdraw XXXX from my Upgrade savings account, at my request. However, the withdrawal was rejected by Upgrade. Then, I proceeded to log in to my Upgrade account and attempted to add a new External account, the newly opened XXXX account, in order to send the money directly from Upgrade to XXXX. That's when my Upgrade accounts get suspended. 

" Your XXXX XXXX account ending XXXX  account has been suspended due to unexpected activity. AND- Your Rewards Checking account ending XXXX account has been suspended due to unexpected activity. " While I appreciate Upgrade ensuring this was not a fraud attempt by an unauthorized party, I have contacted their Customer Service twice and already provided all the supporting documentation needed to substantiate that I, the sole account owner, acting in my full capacity, initiated the requested to move out XXXX from my Upgrade Savings Account to a my new XXXX  account. 

In addition, I demanded that my accounts be reactivated and my funds available within the next XXXX hrs, at the very latest. Otherwise, I'd have to choose but to reach out to every banking regulatory body I can. Including and not limited to the CFPB. 

I'm looking forward to an expedited resolution, even before the next XXXX. I have provided you all the information to substantiate the legitimacy of the transactions that led to the accounts being suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: WI

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