vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: KY

Complaint narrative:
To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX  who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX XXXX separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Had a lease that expired with XXXX and bought it outright had paid with autopay When I starting paying the bank missed the first 2 payments received a notice and paid it immediately thru auto pay and thought I had set up auto pay again missed the next 5 payments but never received a mail notification, email or phone call although they told me they tried to call but never left a message.had to take XXXX from the bank to buy the car back. Now it has ruined my credit. If the had sent a letter or left a call I would have paid it immediately.. I feel that before they repossess someone vehicle they should be required to leave a message or if sending a notice it should be required to be signed for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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:
XXXX, XXXX and Equifax are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

XXXX, Equifax and XXXX are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

PUBLIC INFORMATION ERROR ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REF XXXX. THIS ITEM HAS BEEN DELETED FROM XXXX, XXXX AND XXXX BUT STILLAPPEARS ON EQUIFAX. 

FRAUDENT ACCOUNT ( REMOVE ) : XXXX XXXX XXXX OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX DEALER. INCORRECTADDRESSES ( REMOVE ) : XXXX XXXX XXXX INDUSTRIAL BV, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

INCORRECT EMPLOYER ( REMOVE ) : XXXX XXXX XXXXXXXX AND XXXX XXXX 15 U.S. Code 1681e - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - ( 2 ) Exclusions. 
( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: MO

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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:
XXXX, TransUnion and XXXX are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

XXXX, XXXX and TransUnion are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

PUBLIC INFORMATION ERROR ( REMOVE ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. THIS ITEM HAS BEEN DELETED FROM TRANSUNION, XXXX AND XXXX BUT STILLAPPEARS ON XXXX. 

FRAUDENT ACCOUNT ( REMOVE ) : XXXX XXXX XXXX OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : 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  ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

XXXX XXXX ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX GR 15 U.S. Code 1681e - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15

U.S. Code 1681a - ( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-06-07 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:
Experian, XXXX and XXXX are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

Experian, XXXX and XXXX are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

XXXX XXXX XXXX XXXX REMOVE ) : XXXX XXXX DISMISSED XXXX XXXX XXXX XXXX XXXX  XXXX. THIS ITEM HAS BEEN DELETED FROM XXXX, EXPERIAN AND XXXX BUT STILLAPPEARS ON XXXX. 

XXXX XXXX XXXX REMOVE ) : XXXX XXXX XXXX. OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX DEALER. INCORRECTADDRESSES ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

XXXX XXXX ( REMOVE ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - ( 2 ) Exclusions.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

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 2023-06-07 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: MO

Complaint narrative:
he current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

Complaint narrative:
I am not liable for this debt with JEFFERSON CAPITAL SYSTEM. I do not have a contract with JEFFERSON CAPITAL SYSTEM. This business has failed to provide any supporting information to that fact. I demand they submit a correction to my credit report immediately. ** accordance with the Fair Credit Reporting Act and ***** Consumer statues this business has violated my rights. ** accordance with the Fair Credit Reporting Act protected consumer rights to privacy and confidentiality under 15 USC ****.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have been trying Experian to removed this innacurate information from my credit and still reporting this inaccurate information in todays XX/XX/23 report number XXXX showing in my report XXXX XXXX account number XXXX amount {$1400.00} collection management co account XXXX amount {$1400.00} This XXXX company are claiming the same account and im tired that I have to send letters to Experian and still on my credit

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I Have Opened Up a New Personal Checking Account with Truist Bank located at XXXX XXXX XXXX XXXX, XXXX, AL., XXXX On XXXX XXXX ( Bank Number - XXXX ) I Have Spoken To XXXX XXXX The Loan Officer/Bank Manager. I Had Informed Her That I Was Trying to Restart My Small Computer Business Back Since Covid First Hit. She Had Informed Me That Going With a Personal Checking Account Would Suffice. I Had Informed XXXX That The First Deposit Would Be Coming Very Soon for The Restart of The Company. 
On XX/XX/XXXX of XXXX, There Was a Starter Deposit In The Amount of {$15000.00}. 
Since Then I Have Dispersed The Funds Accordingly via Wire Transfer ( Business Associates/Parts Required/etc ). 
My Account Was Put Immediately on Hold Pending Corporate Investigation After My Second Wire Transfer ( Outgoing ). 
I Had Asked XXXX What Was The Issue, and She Said That Investigators Deemed It As Fraud. 
I Can No Longer Access My Funds That Are Currently in My Account. 
I've Spoken With Their Fraud Department and Was Told That They Didn't See a Reason for the Hold. They Informed Me That It Was With The Bank Manager, So I've Contacted XXXX Again and She Said That She Will Contact Me Latter in the Day ( XXXX ). After Her Contacting Me, She Had Informed Me That It Was Still Pending Investigation and I Would Have to Wait 90 Days Before I Can Have Access to My Funds. 
Meanwhile, I Have Needs For Those Funds. I currently Have {$1200.00} I've Contacted Fraud Department Afterwards and They've Informed Me That According to The Updated Notations, It Says Corporate Investigation in Process and That XXXX, the Bank Manager, Would Be The Only One to Contact. 
Meanwhile, I've Had to Inform My Sponsors and Investors of the Current Situation as Well as My Clients - People Are Wanting Their Gaming Systems Customized and I Can't Get Started When My Bank Stops Me From Accessing The Funds Required to Complete The Orders. 
I Still Have NOT Been Contacted By ANYONE From The Investigation Department by Any Means. 
Please Help Me Get This Resolved.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I applied online to Lowes CC. 
Their verification includes submitting my Social Security No., drivers license picture, and a current photo of myself. This was done via a link that was sent to my mobile phone. 
I had a problem with how to continue after the above verification and a Lowes customer representative connected me with the CC issuer who just informed me that I was denied. 
I received an email with a letter from Synchrony Bank dated XX/XX/2023 ( Ref XXXX ) that I was denied since they could not confirm my identity. 
My license was renewed last year, so my current picture is still the same, the Synchrony Bank customer representative on the phone never asked me any identifying questions before informing me that I was denied. 
Additionally, I currently have 3 IRA CDs with Synchrony Bank, It looks like the denial was based on my age and my XXXX XXXX XXXX more than any other reason.

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 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have always been fond of my XXXX based brother whom suffers from XXXX XXXX problems. I rearrived back to XXXX from XXXX in XXXX. I have been communicating with SPS  since XXXX XXXX initiated and we are in good contact. It was suggested to me from SPS to contact GA XXXX XXXX XXXX XXXX XXXXe, which I proceeded to do, however, myself and others were victim of fraud phishing scheme, as I had heard on the news. As a result of the aforementioned fraudulent activity, I have been getting calls, letters, etc which prompted me to start a police report in response to the stolen information. I was told by SPS that I had to choose either the GA XXXX XXXX GA Mortgage assistance, or the modification of the loan. I have successfully passed all the conditions for the modification approval. I am tasked to choose between the two so I am taking time trying to make the best informed decision as it relates to my mortgage. 
Every payment has been made on time, however, due to the past Pandemic, I exercised the XXXX XXXX XXXX, for ease of caregivers for my daughter and brother. I am fighting fraud and weighing options between the two so please allow me a few more moments to make the best informed decision for my circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was with chime for years before they became " popular ''. Last year I went through some financial hardships and money was not coming in as I would have liked I was unemployed for months. My account was overdrawn XXXX and something dollars. I have recently found a job and I was able to get my account back in good standing, I tried to log into my acct and received a message that my acct was closed and to contact customer service. After a day I got an email saying that they are sending my account to another department. After that the department emailed me saying we can't re open your acct due to a negative balance... I reached back out because I am legit confused how can a company that states no penalties for overdraft accounts to closing my account with no notice no nothing. Like I know that they don't have to tell you but I got an email from them about everything else especially regarding that dumb spot me thing. But never got an email stating that my account is about to close and what can be done. I still have not heard back from anyone regarding this after replying back to the email telling the rep I wanted a supervisor to call me and provide clarity and next steps. They did nothing. I dont think its right that they don't even try to assist or provide clarity or provide information on what will happen next or even telling me there is nothing to be done they just ignored me. So now I'm taking my reviews here, XXXX, XXXX, XXXX XXXX. Like I said I had the acct for yrs no issues no fraud no nothing and they just basically threw my account away and refused to offer any assistance even after I told them I will be taking this to social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief