vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX Santander Consumer USA This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. Santander is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: FL

Complaint narrative:
XXXX XXXX reported late payments to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive XXXX relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by XXXX during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.

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 2023-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reported late payments to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive XXXX relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by XXXX during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX reported late payments to all 3 credit bureaus ( Experian, XXXX, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive COVID-19 relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.

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 2023-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am a 100 % XXXX XXXX so I am exempted from paying property taxes my taxes went down from XXXX to XXXX but my monthly mortgage payments never decreased. In XXXX or XXXX of last year I switched homeowner insurance companies so it went down about XXXX so because I didnt send them my refund check from my previous insurance company they said thats the reason why my payments didnt go down. They also charged me a late fee for there error when they didnt receive my payment on time and placed it on my credit report an invention was done and they fixed my crud but didnt refund the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I originally purchased card # XXXX XXXX XXXX XXXX cv XXXX. I went online as instructed to XXXX on the back of the card. I was able to activate the card, but once I tried using the card online it would come back as declined. I went back to the website used to activate the card to check for any issues and received a message that the card information being entered is invalid. I called XXXX after XXXX wks of calling and hours on hold, I was able to speak with a representative that advised the card was activated on a fraudulent website ; therefore, they deactivated the card. I was then issued a new card in which I just received XX/XX/28 I called the number to activate the card instead of using the website. XXXX advised that card # XXXX XXXX XXXX XXXX cv XXXX is invalid. After being on hold for several hours I was able to speak with a representative that transferred me to they supervisor ( XXXX ). She informed me that they are aware of their IVR advising that cards are invalid and currently working to correct. I requested that they issue a check for the amount of {$100.00} because I'm having too many issues with their card. She then requested phone #, email, and XXXX in order to mail me a check for a card that has no personal information attached. I disagreed with providing my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a laptop from XXXX resell ( XXXX order number XXXX ) on XXXX XXXX. They sold me a laptop that was still attached to a company. Once i received the laptop i could not tell that the computer was attached to a company. So months later down the laptop locked on because the company that it was attached to locked the computer and locked me out from using the computer i purchased. I contacted global resell and spoke with XXXX. XXXX spoke with his supervisors and the said that i would be able to return laptop for a refund. I returned the laptop and XXXX stated that the refund was initiated the refund. I never received the refund. So i contacted the XXXX and he started to give me the run around about how they couldn't refund me. So i contacted chase bank where i used to purchased the laptop. I have made XXXX disputes and still don't have money. So at this point i'm out of XXXX because i returned the Laptop and never received my refund. I really need help trying to get the figured out because right now i'm at a lost and no one is trying to help me right a wrong that had nothing to do on my behalf. Money been pretty much stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXX XXXX, Ga this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. 


XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX  XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX Ga. XXXX Please remove all other addresses from my report as they are not deliverable to me by the U.S post office , and they are not reportable as per the FCRA, since they are inaccurate.

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 2023-01-29 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: TN

Complaint narrative:
I am reporting that Equifax wrote me a letter stating they need more information on my ID to complete my request. I requested all debt collection institutions on my credit report connected to the creditor on my credit report and if there was no debt collector institution attached to the creditors I would like to know about it and what is being done for these predators or non-users under the Fair debt collection practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in 4 days. The credit agencies have failed to respond to my request.

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 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
Wakefield and associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Knows my collection is medical debt and after disputing with the 3 credit bureaus and winning they continue to post my collection debt weekly just to get it placed back on my credit bureau this has been going on for months and originally I let this go because I knew the day would come in 2023 when medical debt would not be included but they continue to use deceptive practices to lower my fico score by updating the same medical balance under {$500.00} to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2021 we opened a checking account with wellsfargo on XXXX XXXX XXXX XXXX, XXXX, UT XXXX. We were told everything was completed by a manager named XXXX. We immediately contacted my wife 's employer, XXXX XXXX send all paychecks to our account. a week passed and payday was here on a Friday and Wellsfargo told it would be 7-10 days for our check to deposit. after that time had passed we still had no check. We called XXXX and she informed us that our address was not excepted, But we were perplexed because they had already sent us debit card to that address. So we gave here another address and we waited. well our second pay day had arrived again and we were told that there should be no problems and it should deposit that day. Well guess what? none of the checks deposited into our account and talking with managers and reps no one had any answers. As of today wells fargo is holding over XXXX XXXX dollars of our money from our employer. After weeks of talking to them our monthly account fee is due for XXXX dollars. Well because there is no money in the account they have now closed the account and we still have not received our money.This is our hard earned money that we have no access too. Needles to say we could not pay rent or bills and were evicted from our place, Thanks wellls fargo.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is trying to stick me with monies owed by another family member whom scammed wells fargo

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 2023-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit acceptance illegally reports false information to your credit report. 

They initially denied knowledge of my vehicle but upon first complaints via CFPB they all of a sudden had every detail about a car they failed to properly report to the credit bureaus. They have fake people calling posing as counsel, theyre still improperly reporting the status of our account despite the account legally needing to be dismissed or charge off status. we gave all military documentation and orders to further prove and yet theyre still sticking to the theatrical tactics on a 7 year old account Their latest charade

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On Saturday XX/XX/2023, I turned my XXXX on at approximately XXXX. I attempted to use my XXXX app. I was greeted with a message stating my account had been locked due to suspicious activity and that I needed to call for verification. I called the number provided and successfully completed the verification process, to which I was told that there had been multiple failed attempts at logging into my account to prompt the lock. At approximately XXXX XXXX  on the same day I attempted to use my debit card ending in XXXX and the transaction was declined. I once again called XXXX to see why it was declined. At this time I was informed that my account had been reported as receiving a fraudulent {$90.00} transaction and that my account was frozen until an investigation was completed, up to XXXX  days. I requested that the exempt funds be released immediately to which I was told no. Since that date Ive had multiple automatic bill pay accounts be declined by Chase. It is sunday XX/XX/2023 and my account is still frozen. I have not been contacted by any investigator from chase, the {$90.00} transaction has been deposited to my account even though I didnt ask for the money and have no knowledge of where it came from. My account has a {$1700.00} balance and due to chase declining transactions Ive been accessed late payment fees, returned payment fees, and now have a auto insurance cancellation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in XXXX  days. The credit agencies have failed to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in 4 days. The credit agencies have failed to respond to my request.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My first savings credit card balance is being improperly reported on all XXXX bureaus. My report shows a balance owed of {$470.00} but my actual XXXX is {$4.00} see attached doc.

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 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
Someone from XXXX XXXX is illegally reporting a debt owed that I was never contacted about, never had any knowledge of. Wakefield and Associates placed a debt into collections on my account on XX/XX/22. For a total of {$3000.00}. I was only recently made aware of this when I looked my credit score up this month. I have no knowledge of the original creditor company. Looking online says its a known scam company. I never received anything about owing anyone money. Nor have I ever owed/ paid them any money. This debt is not real. Wakefield and Associates is trying to scam money from me with the help from whoever hired them to fake it

Company response to consumer: Closed with explanation