vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX of XXXX, Discover Credit Card put me liable in my credit report for a credit card bill that i did not even open with them. I reported this to Discover since last year in XX/XX/XXXX. I came to find out about from a fraudulent withdrawal that i did not authorize in XXXX XXXX XXXX that a credit card was opened under my name. I spoke to Discover and they want me to file a Police Report, and get letter from XXXX XXXX XXXX stating that i did not have anything to do with the credit card fraud, and the Bank letters completely state that the transaction was refunded to me because i did not authorize anything to be done under my name. Thinking that they would take care of the credit card fraud, and instead i have to do so many steps to get it resolved. My credit was damaged because a credit card was opened under my name, and transactions started to happen last year in XX/XX/XXXX. Discover is billing me for {$860.00} for an amount that I did not even do. My previous Bank, XXXX XXXX XXXX disputed a withdrawal of {$700.00} and refunded me the money because they found the dispute in my favor. I never authorized anyone to use my information to open up a credit card under my name or even do Banking transactions. I never had a credit card with anyone, or never opened one up myself. I need help because Discover Credit Card put me as liable in the Credit Bureau, and i am a victim of fraud, and the transactions that point to different places in Florida are not mine, and I did not visit those places in those dates, and I know for a fact that those dates i was working full time. As well, i found out that two accounts were opened fraudulently with XXXX XXXX and they completed their investigation and found the case in my favor. I am just starting to fix my credit, because this is crazy to find out there was something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC
State: CO

Complaint narrative:
XX/XX/XXXX the balance was paid off in full but their website shows I owe but {$0.00} and says if I dont settle {$0.00} its going to report me to credit bureau . Id like to close my account because the balance is XXXX but they wont let me because the glitch on the app that says I owe {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 

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 2023-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter last XX/XX/2023 to remove the listed items which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any items not later than 4 business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Adonis Auto Group, LLC
State: TX

Complaint narrative:
I took a loan out on a car from Adonis Auto Group in XXXX, Texas XX/XX/XXXX and it has been a nightmare ever since. Within a week of me having the car, it had to be taken back to be serviced for the brakes and rotors. When I got it back, it was doing the same thing it was when I took it in. My car shook really bad when braking, it jumped really hard when pressing the gas to go from a stop. The vehicle was wrecked and they failed to tell me about it and when I told them about it, they said they don't pull any reports on the cars they sell. In XXXX, my payday changed to Thursday instead of Wednesday. I emailed them 4 times and called them to make sure they received it. They said they did and would update my account. They did not and proceeded to illegally report inaccurate credit items. On XX/XX/XXXX, the engine went out on the vehicle an hour away from home. I called Adonis and let them know. She said she would update my account and I would hear from the higher ups on Monday. I did not. I got a call on Wednesday, from Adonis, asking if I was surrendering the XXXX because I did not make the last payment. I let him know about the call on Friday and he said there was nothing in their system about me calling them Friday. I've spent XXXX of dollars trying to fix this piece of junk they sold me. I tried to get my money back last time I submitted a complaint against them and was instructed by the XXXX to let them fix it. Now I am out a vehicle, my credit has dropped because of them illegally reporting late payments and now I'm about to have a repo. They sold me an unreliable, previously wrecked vehicle to put my family in. I pulled a XXXX on it and when I brought it to their attention, they said they don't pull XXXX  on any of their vehicles. The vehicle was totaled out by the insurance in Florida in XXXX. The way they do their customers is not right. The way they are supposed to do their job, is not done correctly. This whole process has been horrible from the very beginning.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter last XX/XX/2023 to remove the listed items which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any items not later than XXXX business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter last XX/XX/2023 to remove the listed items which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any items not later than XXXX business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We ordered flooring from XXXX distributor XXXX XXXX CA on XX/XX/XXXX, paid a deposit of XXXX with a credit card. The salesman was supposed to send us an invoice. We received an email XX/XX/XXXX with all the appropriate information of our purchase, invoice etc requesting the remainder amount XXXX  due via wire or ACH. This amount was transferred from XXXX XXXX to the account for the company with Chase bank on XX/XX/XXXX. We were notified on XX/XX/XXXX by the salesman, that he may have been hacked an the email was a scam to not transfer money. He mentioned two other clients were involved ( eventually got money back because they were local ). We were abroad, so filed recall complaint on XX/XX/XXXX with XXXX. We were told to give 5-10 business days. Also filed complaint with XXXX XXXX, FBI XXXX. We have been in touch with XXXX almost daily to follow up. We were informed they can follow up after 10days. My wife spoke with owner of the company, on XX/XX/XXXX, who went with her to Chase to see if anything can be done. Chase informed that they respond within 8 days and then close the inquiry. So, another fraud complaint was filed with XXXX. My wife followed up again XX/XX/XXXX with both chase and XXXX Chase informed her they don't see anything, XXXX  would have to send swift message. She called XXXX  who informed since it's a wire fraud they don't send swift message, recall through wire message. Neither bank is willing to talk to each other, seem like each has a different way of handling the situation. While this happening, we are not getting anywhere, while financially stressed due incurring project costs since the material is not delivered, and as such emotional stress of no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: PA

Complaint narrative:
NOTICE TO CEASE & DESIST UPGRADE INC is actively reporting two accounts to each of my consumer reports with XXXX, XXXX and XXXX that I do not recognize. This is a direct violation of the FCRA - Regulation V and Section 623. UPGRADE INC is also reporting to each of my consumer reports as derogatory accounts with an account type of : OPEN. I do not have any accounts with UPGRADE INC . The payment statuses are being listed as both : COLLECTION/CHARGE OFF - I have not now or ever received a 1099 for any amount of written off alleged debt from UPGRADE INC which in turn would be considered taxable income. Income can not be reported on a consumer report. UPGRADE INC is also reporting : Purchased by another lender or as account sold. That is constructive fraud. How can an account be listed as open, and charged off?! According to the FCRA you have a duty to provide CRAs with accurate information. Pursuant to section 623 ( a ) of the FCRA it is prohibited to report such inaccuracies. 
I demand immediate removal of any and all information regarding : XXXX XXXX These unrecognized accounts are damaging my character and financial reputation, causing emotional distress and preventing me from being able to extend my credit. I do not have any contracts with UPGRADE INC . I demand you to cease and desist from causing me any further emotional, financial and psychological harm. UPGRADE INC is also defaming my character. I also demand you to instruct all credit reporting agencies to permanently cease and desist from reporting any information provided by you. This notice also serves as acceptance of all terms stated herein. Credit reports play an important role for consumers. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to formally dispute the remaining fraudulent inquiries that were currently appearing on my credit report. Despite numerous deletetions that occured because of my previous attempts to have these errors corrected, these remaining inquiries continue to negatively impact my credit scores and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I have already made repeated attempts to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from my Experian and XXXX credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received an email that my address had been changed, so I logged into my bank of america app to see that a checking account was opened up in my name, which I didn't authorize. They closed the account. The next day the same checking account, with the same account number was added back to my account. I called in again to tell them I didn't authorize it. They closed the account again. Then informed that they had to close my account ( after 35+ years of banking with them ) and that i would receive a check in the mail in 7-10 days. I asked if I could go into a bank to get my money, the answer was no. 
My funds were frozen and no one got access to them! I still have not gotten a check! It's been a month, I am behind on my bills. I had bills on auto pay bouncing. My mortgage was late. I have reached out to the SEVERAL times, the fraud department will NOT release my money!! I am desperate for my money!! They can't ruin someone's lively hood like this! They put me in debt!! And are ruining my credit!! Please help!

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