vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint Account Name : XXXX XXXX Accept Date Filed : Type of Account : Auto Loan XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Sales Contract Address : XXXX XXXX XXXX XXXX 
Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Card Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Filed : XX/XX/XXXX Type of Account : Credit Card/Revolving XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Secured Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I await your reply. Once you have fulfilled my request please mail me an updated credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Deposited a payroll check in the XXXX XXXX, XXXX  branch ATM on XXXX XXXXXX/XX/XXXX. Called XXXX XXXX on XXXX XXXXXX/XX/XXXX to ask when the funds would be available, an extremely rude teller told me checks clears in three business days at midnight and then hung up. Was not satisfied with the service I received so called the XXXXXXXX XXXX branch and received outstanding service. Was informed there was actually an extended hold on my check which XXXX never informed me of. There were also no initial funds released ever ( {$220.00} or similar ). Called XXXX back and another teller told me she would look into it and call me back. She did in fact call me back and told me my funds would be available next XXXX XXXXXX/XX/XXXX unless something came up. They are holding my payroll check ( from a world renowned XXXX XXXX which uses XXXXXXXX XXXX ) for six business days without any notice or release of any initial funds. Typically I use direct deposit but the company changed payroll systems and paper checks were sent out for some unfortunate employees.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I unknowingly was charged {$95.00} on my capital one venture credit card for a yearly credit card membership fee. I didn't know my credit card had a membership fee. Due to the holidays, I didn't notice that the charge was posted to my account until XX/XX/XXXX. I immediately called Capital One to ask for the credit card to be closed and to waive my fee since XXXX I am closing the account and XXXX I will not be receiving any benefits. The Capital One representative told me that if the membership fee had posted XX/XX/XXXX or after, I would be able to receive my {$95.00} back, but since it posted on XX/XX/XXXX ( approx XXXX week earlier ) I would not. This seems ridiculous and unjust. I closed my account and believe my membership fee should be waived since it is a payment for benefits one year forward, which I will not participate in and have received no value for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Used Lexington law in early XXXX. Cant remember specific amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: IN

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting 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 Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$860.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-09 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: FL

Complaint narrative:
I am a victim of identity theft and I have sent proof of this to Experian and XXXX XXXX and they continue to report inaccurate information on my credit report even after the I have verified the information is not mine and inaccurate then when I contact them via the phone Im they were rude nasty and lied stating it had something to do with my address and then I was blocked from checking my credit online via there sites and told to check free annual 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 2025-01-09 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: FL

Complaint narrative:
I HAVE DISPUTING WITH SENDING ATTACHMENTS PROOF TO THE CREDIT BUREAU OF THIS ERROR TO BE CORRECTED, REMOVE FROM MY CREDIT REPORT AND HAS FAILED MULTIPLE TIMES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by XXXX, XXXX, and XXXX. Despite initiating a dispute on XXXX XXXX XXXX, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS XXXX form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I discovered that medical debts are still being reported on my credit report, despite the CFPB 's final rule prohibiting such practices. The rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), which becomes effective on XX/XX/2025, and bans the inclusion of medical debts on credit report provided to lenders. The reported medical debts are negatively affecting my credit report and may influence lending decisions on my credit report. This violates the CFPB 's regulation, which aims to protect consumers from inaccurate and coercive debt collection practices.

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servicing Solutions, LLC
State: IL

Complaint narrative:
I have been a loyal and valued PayPal Business Cashback Mastercard owner for many years. I have been paying with this credit card for many years. On XX/XX/XXXX, unexpectedly, my credit was reduced to the current balance. On XX/XX/XXXX, all PayPal Cashback Mastercard accounts were closed. 
After XX/XX/XXXX, I took care of the balance and by the time the account was closed, my balance was paid in full and I did not expect any problems. 
However, shortly after the closing date, I began receiving an abnormal amount of calls and VMs from a collection agencyXXXX XXXX XXXX  At first, I took it as a scam. Later, I responded, told the agent that I owed PP Master card XXXX XXXX and clearly stated that I did not want to call again. They stopped calling and now send me " money demand letters '' almost every day. XX/XX/XXXX I spoke to a XXXXXXXX XXXX agent who was very vague and their supervisor who later emailed me saying the account was paid in full. 
But that didn't stop their demand emails. They pretend to have my account and the {$86.00} debt when I never had any agreement or anything with them. They also can't explain how or where the debt came from. 
To me it's not the amount but their methods of getting paid, all of which involved trying to get your full SSN and access to your bank account which is very suspicious. 
XX/XX/XXXX - I called PayPal and PayPal MasterCard. Was on the phone with 3 different reps and they all said I don't have a MasterCard through them and they don't have a contract with XXXX XXXXAnd all my accounts ( including the closed one ) in a good standing. I owe them nothing. 
To me this whole XXXX up is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
{$2200.00} USD was transferred from XXXX on XX/XX/year> to my Santander Bank saving account, the amount was neither reflected in account, nor returned back. 
I was informed my saving account was closed on XX/XX/year>, and if the amount was not received by Santander account, please share the transaction ID/swift number of the amount if it bounced back or not. 
We are pretty sure the amount is somewhere stuck in a suspense 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 2025-01-09 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: FL

Complaint narrative:
I am a victim of identity theft and I have sent proof of this to XXXX and trans union and they continue to report inaccurate information on my credit report even after the I have verified the information is not mine and inaccurate then when I contact them via the phone Im they were rude nasty and lied stating it had something to do with my address and then I was blocked from checking my credit online via there sites and told to check free annual 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-09 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-09 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: FL

Complaint narrative:
I HAVE DISPUTING WITH SENDING ATTACHMENTS PROOF TO THE CREDIT BUREAU OF THIS ERROR TO BE CORRECTED, REMOVE FROM MY CREDIT REPORT AND HAS FAILED MULTIPLE TIMES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Your response- providing only a bill- fails to meet the standard for sufficient debt validation as outlined under the FDCPA. A mere bill does not substantiate : 1. Proof that the debt is legally owed by me. 2. The original signed agreement or contract establishing the debt. 3. Clear ownership and transfer records, if the debt was sold or transferred. Without such verification, you are not authorized to continue reporting or attempting to collect this debt. Continued reporting of unsubstantiated debt constitutes a violation of 15 U.S.C 1681s-2 ( b ) ( mandating that furnishers ensure accuracy and correct disputed information ). In light of this, I am demanding the following : 1. Immediate cessation of any reporting of this unverified debt to the credit reporting agencies. 2. Written confirmation that the account has been removed from my credit file. Failure to comply with this demand will result in further action including filing a complaint with the Federal Trade Commission and my state 's attorney general 's office. I also will pursue legal remedies under the FDCPA and FCRA which allow for statutory damages, attorney fees, and other relief. I expect your full cooperation to ensure that my rights under federal law are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : - Company Name : TransUnion - Company Address : XXXX XXXX XXXX, XXXX, PA XXXX - Phone Number : ( XXXX ) XXXX ( TransUnion customer service ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the XXXX XXXX  NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/XXXX. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX ( a ) ( XXXX ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

XXXX. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.

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