vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
The car was repossessed after I spoke to someone in XXXX of XXXX after I lost my job. I was reassured that if I made a payment, I would be fine so I went ahead and made a payment and a few days later, my car was repossessed. They told me in order to get it back, I would have to pay the full {$23000.00} for the vehicle. They then sold it in an auction for {$11000.00} and now requesting that I pay the remaining balance of the vehicle. This is preventing me from getting another vehicle and ultimately am being denied everywhere for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I've called numerous times to Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to remove 4 Inquiries from my credit report because I believe they are from Identity theft.I even send them lots of documents in mail like for example : Cover letter, Updated personal info, Identification info, Credit report, FTC report and Identity Theft Victim 's Complaint and Affidavit - it's been notarized.

After they received my first mailing they sad my FTC report is not correct so I asked what to do and they sad send us another one with correct FTC report which I did and now they claiming they never received my mailing, but I have a prove that they did receive it because I can track it with tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX ) You can verify this that they did receive it going to XXXX and put that tracking number above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a Chase Bank XXXX XXXX. XXXX setup many business accounts with them. They should not be charging monthly fees due to me meeting my minimum balance. They have reversed a few payments because they know it is wrong but they dont know how to fix it in their system to stop automatically charging me fees. This has been going on over a year and they now owe me {$1600.00}. I have been it XXXX times and it is still not getting done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My PayPal account was charged XXXX by ticket master for tickets I never purchased or used. I disputed both with PayPal and ticket master and they both denied by claim with no valid reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : FIN AACCTS SV Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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 2024-03-22 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Unauthorized withdrawal from my checking account. ON XX/XX/2023 AppleCard by Goldman Sachs received {$4500.00} payment from my checking account. I did not authorize this transaction and I have tried to get information as to who received this payment but have not been able to get any response I have filed a police report I will be happy to provide account numbers etc. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
I am writing to formally file a complaint against Experian regarding their handling of fraudulent accounts listed on my credit report, as evidenced by Report number XXXX dated XX/XX/2024. 

Experian has recently provided investigation results for all disputed accounts, stating they are " VERIFIED AS ACCURATE. '' However, I am deeply concerned about the lack of transparency regarding the verification process and the method used to validate these accounts as accurate. Despite numerous attempts on my part to provide comprehensive documentation supporting my claim of fraud, Experian has failed to disclose how they verified these accounts. 

Furthermore, Experian 's repeated requests for documentation already provided raise serious concerns about their compliance with legal requirements and their commitment to resolving this matter in good faith. Despite confirmation from multiple representatives that the necessary documentation is on file and the investigation is ongoing, Experian continues to send duplicate correspondence, causing unnecessary delays and frustration. 

In light of these actions, I have sought legal representation to facilitate the dispute process. However, Experian 's failure to address this matter in a timely and transparent manner suggests a deliberate strategy to evade their legal obligations and prolong the reporting of these fraudulent accounts on my credit report. 

As my last attempt to resolve this issue, I am prepared to take legal action against Experian if necessary. I have included all correspondence, both from myself and my attorney, sent to Experian in an effort to resolve this issue. I urge the Consumer Financial Protection Bureau to intervene and ensure Experian adheres to the law by promptly removing these fraudulent accounts from my credit report and providing transparent documentation regarding their verification process. 

Thank you for your attention to this matter, and I look forward to a swift resolution.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: SC

Complaint narrative:
My husband XXXX XXXX has his paycheck direct deposited into my account. XXXX paid biweekly. Payroll goes out that Monday. We receive the deposit on Wednesdays. Weve had this set up for months. Now all of a sudden, this week there is no deposit. The bank has no explanation. They keep giving me generic information each time I speak with someone. XXXX XXXX XXXX stated that the payment was sent to the correct account. The bank is not showing the funds pending or available. No one has an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi, Ive got two problems and I really need your help fixing them. 

First off, theres a mistake with my name in on the CFPB system. It says " XXXX XXXX XXXX '' but it should just be " XXXX XXXX. '' Second, I saw something about a Barclays credit card ending in XXXX on my report. I called a bunch of times trying to figure out if this card is really mine because I dont remember getting it. The folks I talked to couldnt tell me anything. I just want to know if this is my debt. If I owe money, I want to clear it up and make sure my credit is good. But first, I need to know if its actually mine and how much I owe. 

Please write back to me here in the CFPB portal. I prefer keeping things in writing only please no phone calls. 

Thanks for your help, 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 explanation
Consumer complaint received 2024-03-22 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: CO

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.

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 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am being asked to pay {$3800.00} and I only owe {$1100.00} for my last month of rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX  an online domestic wire was initiated by me from our business XXXX by XXXX 's bank XXXX, to a recipient 's account at Bank of America. Bank of America would not complete the deposit even though it received the funds. My bank requested a refund on XX/XX/XXXX, again on XX/XX/XXXX and finally on XX/XX/XXXX via the swift system. All requests were never responded to, and XXXX closed the refund request on XX/XX/XXXX. I just asked them to reinitiate a refund request and am on hold with Bank of America currently. It is impossible to get ahold of anyone there. The recipient never received the funds, and Bank of America won't return them. This is absolutely unacceptable, and criminal charges should be filed against them for illegally holding our money. It is stealing. When finally reaching someone at Bank of America, after being on hold for 30 minutes, the call was disconnected after someone said hello.

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 2024-03-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I Reviewed My Credit Report On XX/XX/2024 And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX  XXXX XXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.

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 2024-03-22 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: NJ

Complaint narrative:
I Reviewed My Credit Report On XX/XX/2024 And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX XXXX XXXXXXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-03-22 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: SC

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. Please see attached file for these items I am complaining.

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 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-03-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: WV

Complaint narrative:
I honestly dont know what this bill of debt is. My old place I was in the landlord just gave me the letter to collect a bill stating that I had XXXX XXXX. I have the account number and my name is different because I got married again. But the dates saying I used it or for the main thing I havent had cable for 20 years and the times I did back then not one was in my name. So this needs to get taken off of my credit or anything that it can effect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation