vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
Hi this is XXXX XXXX. I have reported to you and to whom this may concern there is no way or an option to upload documents onto this website. This is ridiculous. How come you just close my case with Chrysler capital without asking me for information about Chrysler capital or providing me with a reasonable way of providing you with the information I have statements from the bank and statement from Chrysler capital and it shows that they are XXXX Over the original loan amount I want to press charges I want to hold these people accountable in anybody else thats associated with them!. This is extremely unfair. How come you do not provide a way to upload documents onto this website!. I need a fax number way too many documents to upload through a website!.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: AZ

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was charged off by the company and is still reporting a balance to the credit bureaus XXXX, XXXX and XXXX. It is my understanding that after the account is written off as a loss the balance should be XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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:
THIS IS NOT AN ATTEMPT TO VERIFY ACCOUNTS ON MY CREDIT REPORT. 

The following accounts are charge offs. A charge off is considered a certificate of indebtedness, which means it is income so it must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have all accounts removed from my consumer credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I have not given financial institution written instructions to report these account on my credit report.

Last but not least these credit reporting agencies are violating the Privacy act of XXXX  ( 5 U.S. Code 552a ).

This act states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Please force all 3 reporting agencies to delete all of the above accounts immediately.

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 2024-01-15 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo Dealer Services regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. Wells Fargo Dealer Services has responded, asserting that the information is verified and accurate. However, my XXXX  credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : Wells Fargo Dealer Services Discrepancies : Account Rating : Wells Fargo Dealer Services has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX XXXX and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my XXXX credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my credit history. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my creditworthiness is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with Wells Fargo Dealer Services, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel Wells Fargo Dealer Services to correct the inaccuracies in my credit report. I also request that XXXX  adverse effects on my XXXX XXXX resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting 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 2024-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
In late 2023 I've applied for personal loan for which I've been prequalified from XXXX ( XXXX ' ). During the process I was required to submit certain documents to finalize the underwriting process. After submitting the application with all the documents it was XXXX  denied. I was told to expect to receive a letter via mail which will explain the reasoning, however I have never received XXXX. Following extended waiting I've called XXXX and requested a letter to be re-sent but it never arrived in my mailbox and no amicable explanation was provided why. The above metioned Adverse Action Letter ( 'Letter ' ) is required to be provided to the customer pursuant to Fair Credit Reporting Act & Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for NATLCRSYS XXXXXXXX and to my dismay they verified the reporting saying it meets FCRA requirements. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

I have attached a screenshot of the reporting for the NATLCRSYS XXXXXXXX  and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is sharing my nonpublic personal information with non affiliated XXXX XXXX XXXX, XXXX XXXX XXXX. LVNV Funding LLC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of XXXX  federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Here is a more professional version : I have recently experienced ongoing issues when attempting to use XXXX through my Discover account, both in the mobile application and on the website. Each time I try to access XXXX, I receive an error message stating that the function is currently unavailable. Afterward, when I log out and attempt to log back in to my Discover online account, the system locks my profile and I have to contact customer service to get it unlocked. 

I have spoken to several Discover account specialists about this problem. They informed me that an issue with XXXX integration is preventing access and submitted tickets to resolve it. However, despite calling back numerous times over a period of weeks as instructed, the problem persists. Each XXXX has to re-create and re-submit tickets, but XXXX remains inaccessible and my online profile continues having to be unlocked whenever I get logged out. 

I am concerned that this ongoing technical issue has yet to be resolved despite my contacting Discover on XXXX  occasions and cooperating with their troubleshooting instructions. I would greatly appreciate it if the matter could be escalated and prioritized so I can regain full access to my online account features without further disruption. Please let me know if XXXX  other information is needed from me in order to get this issue permanently fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is sharing my nonpublic personal information with non affiliated XXXX XXXX XXXX, XXXX XXXX XXXX. Portfolio Recovery Associates does not have my consent to have and share my private personal information. They are XXXX  my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in XXXX  of XXXX  federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. XXXX XXXX XXXX XXXX has responded, asserting that the information is verified and accurate. However, my XXXX  credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : XXXX XXXX XXXX XXXX Discrepancies : Account Rating : XXXX XXXX XXXX XXXX has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX  XXXX  and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my XXXX credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my XXXX  history. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my XXXX  is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with XXXX XXXX XXXX XXXX, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel XXXX XXXX XXXX XXXX to correct the inaccuracies in my XXXX  report. I also request that XXXX  adverse effects on my XXXX  score resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. XXXX XXXX XXXX XXXX has responded, asserting that the information is verified and accurate. However, my Experian credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : XXXX XXXX XXXX XXXX Discrepancies : Account Rating : XXXX XXXX XXXX XXXX has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX XXXX and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my Experian credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my XXXX XXXX. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my XXXX  is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with XXXX XXXX XXXX XXXX, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my XXXX  XXXX. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel XXXX XXXX XXXX XXXX to correct the inaccuracies in my XXXX XXXX. I also request that XXXX  adverse effects on my XXXX XXXX resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting 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 2024-01-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting that it will be removed from my credit report 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
Consumer complaint received 2024-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good morning, this is to follow up on the complaint I have regarding the unjustified retention of my money by Paypal. In your previous response you indicated that nothing could be done, but based on the complaint filed, you released part of the money, but more than 50 % is still missing. 

They tell me in another email that it may take 180 days, but I need to know if from the date of the event in which these deposits were made to the PayPal account or will it be 180 days from the email received. 

Furthermore, they continue without giving me an explanation as to why my money is still being withheld. This whole situation has caused me many problems since with that money I have to pay suppliers who are very angry about the lack of payment as a result of the aforementioned withholding. 

I look forward to a quick response and thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon reviewing my records, I was surprised to discover some late payments listed. Despite my efforts to seek clarification, I have not received satisfactory validation or explanation for these late payments. This situation has left me feeling frustrated and uncertain abouthowtoproceed.

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 2024-01-15 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my records, I was surprised to discover some late payments listed. Despite my efforts to seek clarification, I have not received satisfactory validation or explanation for these late payments. This situation has left me feeling frustrated and uncertain abouthowtoproceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance {$0.00} Date Opened : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief