vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: OH

Complaint narrative:
These XXXX inquiries on my TransUnion report are fraudulent/and these XXXX collections I have been fighting since the BEGINNING OF THIS YEAR!!!!! and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX As well as these XXXX illegal accounts that has been opened in my name for over XXXX  years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXXXXXX XXXX XXXXXXXX {$150.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX  {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY 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 2024-05-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For no reason that they could tell me Wells Fargo drop my XXXX score from XXXX to XXXX. The only thing I can think of is I complain couple days earlier about their fees and their high balance balances I had to have do not have fees I called XXXX where they say they get their XXXX  score they said my score was perfect. XXXX. I thought something fraudulent was going on. I cant get any answers from anybody.

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 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I made a deposit on coinbase, Like I have many times before. No where in the process of depositing the money did it say it wouldn't be immediately accessible like all other prior deposits made on the site. They refuse to help me get my money returned or unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-06 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: NJ

Complaint narrative:
After sending complaints here in CFPB this negative item ( XXXX XXXX  XXXX XXXX ) is STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am writing to address a concerning issue regarding the delayed deposit of a check sent by the car dealer to return the amount for a canceled XXXX XXXX XXXX ( XXXX ) to the Santander Consumer USA. 

On XX/XX/XXXX, the automobile dealership from which I purchased the vehicle dispatched a check in the amount of {$2600.00} via overnight XXXX XXXX to Santander Consumer USA as reimbursement for a canceled XXXX XXXX XXXX  ( XXXX ). The check was successfully delivered and received by the bank on XX/XX/XXXX at XXXXXXXX XXXX. 
However, regrettably, as of the present date, XX/XX/XXXX, the funds from the check have yet to be reflected in my account. 

Given that this check represents a refund for a canceled service contract, timely processing and deposit are essential to ensure the prompt return of funds and avoid any adverse effects on my financial situation. 

Upon contacting the customer support center of the Santander Consumer USA, I was informed that it could take between XXXX to XXXX days for the check to be processed and deposited after the date of recieve. 
This prolonged time frame appears excessive and raises concerns about potential violations of banking regulations, particularly regarding the timely processing of refunds for canceled contracts. 
Furthermore, they declined to furnish any documentation outlining a processing timeframe for checks, attributing the delay to an " internal rule '' without offering further clarification or reference to relevant documents. 

In addition to the delay in processing the refund check, I am also concerned about the calculation of interest during this period. It has come to my attention that while the check remains undeposited, interest is being calculated on the full amount, including the amount of the check which effectively means a few hunder dollars of extra interests picked by the bank without any reason. 

The unforeseen delay in the deposit of the check resulted in a payment becoming due for a period of XXXX days, given that my regular payment date is the XXXX day of each month. I had anticipated that the aforementioned check would cover this monthly obligation. However, upon realization of the non-deposit of the check, I promptly remitted the payment through an XXXX transaction from my account, thereby ensuring that the account remained free of any outstanding liabilities. As of present, no late fees have been observed on the account, and I trust that none shall be imposed. However, should such fees be levied, it would be unjust, as the delay was not attributed to any actions or oversights on my part. 

My dealer furnished me with a duplicate of the check, along with documentation confirming its dispatch and a tracking number, verifying the date of delivery which I am attaching below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-06 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: NV

Complaint narrative:
On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the XXXX XXXX has on this account number is incorrect I do not have any business with XXXX XXXX XXXX. XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. XXXX Account Number. Reflecting on my credit file. 

XXXX, Transunion and XXXX are reporting fraudulent 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 non-monetary relief
Consumer complaint received 2024-05-06 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: NV

Complaint narrative:
On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the XXXX XXXX has on this account number is incorrect I do not have any business with XXXX XXXX XXXX. XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. XXXX Account Number. Reflecting on my credit file. 

XXXX, XXXX and Equifax are reporting fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been receiving calls from a private number from the same female saying she was with XXXX XXXX telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a XXXX timeframe and that if I did not make that payment, The calls started on XX/XX/year> and I received a total of XXXX calls up until XX/XX/year>. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for XXXX XXXX 

If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. 

I believe it is a XXXX XXXX  employee trying to affect a payment illegally and in violation of Federal Law.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On or around XX/XX/2024 i submitted a dispute letter asking to verify these alleged accounts and the credit bureaus failed to respond or investigate these accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
As of my XXXX credit report on XXXX XXXX and XXXX. Never open a Chase credit card don't know anything about Chase credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. 

File a complaint with attorney general 's office consumer protection as well. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I would like to dispute my entire Experian, XXXX, and XXXX XXXX reports pursuant to The Fair Credit Reporting Act 15 U.S.C = 1986

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have no knowledge of these accounts and inquires they are unverifiable and fraudulent please delete these accounts and inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2023 XXXX XX/XX/202XXXX 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 2024-05-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no knowledge of these accounts and inquires they are unverifiable and fraudulent please delete these accounts and inquiries immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: LA

Complaint narrative:
I have no knowledge of these accounts and inquires they are unverifiable and fraudulent please delete these accounts and inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am writing due to a crushing amount of private loan debt that I am stuck under as a cosigner for XXXX XXXX and XXXX, a very low value school that promised my son a good paying career that never materialized. I am asking that these loans be cancelled in their entirety. This school has been branded a low value school and all federal loans for this school have already been cancelled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-06 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: CA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief