vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received an alert on my XXXX  report stating that someone applied for a credit card today. I havent applied for a Navy Federal card at all so someone tried to apply in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/XXXX sent THE PNC FINANCIAL SERVICES GROUP, INC notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( USA dollar bills ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days.

THE PNC FINANCIAL SERVICES GROUP, INC per CFPB responded with a letter informing me that they will not stop reporting potential harmful information to the public. And will not stop receiving and selling my securities fraudulently, this fraudulent debt thats continuingly collecting interests and principal on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
ID THEFT VICTIM, ACCOUNTS DISPUTED ARE NOT BEING REMOVED FROM CREDIT FILE # XXXX. POLICE REPORT NEW # XXXX. 
ACCOUNTS ARE FRAUDULENT, NOT MINE, NEED THEM BLOCKED AND REMOVED, DELETED!

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is an official complaint that the credit information you are reporting is wrong and is incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XX/XX/2024 : I received an auto loan application denial letter from Chase which states, " Negative Equity '' with my credit score of XXXX attached. 

XX/XX/2024 : I received a 'Welcome ' letter from Chase which states, " We want to welcome you '' in regards to an auto loan. 

XX/XX/2024 : I received a letter from Chase which states, " We extended {$62000.00} of credit to your spouse. '' ( I do not have a spouse. ) XX/XX/2024 : I received a letter from Chase which states, " We're unable to approve your account based on negative equity ( again with XXXX credit score attached ) but we can offer you credit for {$94000.00}. '' I've obtained XXXX credit reports in addition to XXXX XXXX XXXX XXXX XXXX XXXX and see Chase has been continuing to capture my credit without my consent and ignoring my request to opt out, per the law. 

Additionally, I sent the indenture trustee, Registered Mail, attention to XXXX XXXX XXXX a letter of notification for revocation of Chase security interest, per UCC 3-311, withheld from me and authorized permission to transfer my security of {$62.00}, XXXX into my Treasury Direct Acct, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have initiated and investigation with XXXX Sheriffs Office and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I voluntarily had my XXXX XXXX XXXX XXXX  ( VIN : XXXX ), purchased in XXXX, repossessed in XXXX due to the global pandemic of COVID-19 and I was unable to pay my monthly payments due to unemployment during this time. I was residing in California during this time. 

I settled the account on XX/XX/XXXX. Before purchasing the vehicle, the associate working with me at XXXX in XXXX, California XXXXXXXX XXXX me. He then proceeded to track me down on social media and texted me multiple times after I purchased the vehicle. During the process of the purchase, I felt I had no choice but to agree to the ridiculous interest rate terms, even though I was extremely uncomfortable. He knew I could not afford this vehicle and pushed me to do it anyway. 

Aside from this, Santander Consumer recently settled a {$550.00} XXXX lawsuit due to the negligence of their clients. 

" Santander Bank has reached a {$550.00} XXXX dollar settlement with XXXX states to settle predatory loan charges to low-income and subprime customers. XXXX XXXX XXXX XXXX XXXX I have requested many times that Santander Consumer remove the repossession/delete the account completely off my credit reports due to their negligence, but also because I paid off this account and did my due diligence because I voluntarily had this car repossessed during a global pandemic. 

This would've never happened under normal circumstances. Please resolve this matter by removing this voluntary repossession from ALL of my credit reports and completely deleting the account from ALL of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
someone used my name, birthdate, and social security number to open a credit card with this bank. 
Date opened XX/XX/2023 {$15000.00} Filed disputes with XXXX, XXXX, and 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to address the absence of my Experian credit score in the current credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: IL

Complaint narrative:
On XX/XX/2024 I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2024-03-04 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-03-04 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: NJ

Complaint narrative:
Portfolio Recovery Associates , LLC, through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account, number XXXX without my consent or authorization. There is no Privity of contract. Portfolio Recovery through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying Portfolio Recovery can legally collect, and proof that Portfolio Recovery is the current holder of the instrument which created the debt with my original blue ink signature. Portfolio Recovery is violating the holder in due course clause pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to Portfolio Recovery and I do not consent or authorize for Portfolio Recovery to have access to my nonpublic personal information as they are third parties and I never did business with them. I will report this to the Federal Trade Commission. This is grounds for a federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2024, I purchased the XXXX XXXX XXXXXXXX for the amount of {$190.00} and on XXXX XXXX XXXX XXXX I purchased the XXXX XXXX XXXXXXXX XXXX for the amount of {$450.00}. I returned the merchandise, and my account was credited but when I received my building statement that was still showing as a purchase and wants me to make payments on return merchandise. I contacted TD Bank customer service agent and stated the credit was submitted to the wrong account, to contact XXXX XXXX. I contacted XXXXXXXX XXXX they stated that the credit was submitted according to the purchase to call back and do a dispute. I Call TD bank back and the customer service agent did not let me do a dispute. Just getting the runaround.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2024 I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: IL

Complaint narrative:
On XX/XX/2024 I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ADP Inc.
State: NC

Complaint narrative:
I am unable to reach a person at XXXX to request them to void two checks they have issues and reissue them. The checks were lost by USPS and they have been noted as lost. My issue is I can not get a hold of anyone at the company as there is no means to speak to someone about this issue. There is no transparency in how to go about solving this issue and the method to speak to real person regarding my issue has been obfuscated completely to the point that I am now filing a complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian XXXX XXXX XXXX XXXX TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report and to file a complaint with the Consumer Financial Protection Bureau regarding the actions of XXXX XXXX XXXX XXXX  XXXX 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX XXXX has reported a debt that is past the statute of limitations. The debt is listed as Account : XXXX and Account : XXXX is inaccurately affecting my creditworthiness. 

According to my records, the statute of limitations for this debt has expired, and as such, it should not be reported on my credit report. 

I request that the credit bureau conduct an investigation into this matter and promptly remove the outdated and inaccurate information from my credit report. Additionally, I ask the Consumer Financial Protection Bureau to investigate the actions of XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with consumer protection laws. 

Please provide written confirmation once the investigation is complete and the erroneous information has been removed from my credit report. I appreciate your prompt attention to this matter. 

Sincerely, 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 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. 
Regarding complain ID # XXXX. 
My company gave me the order to terminated for all earning payable on XX/XX/2024. 
Thank you for your intervention. 
I received your responds on XX/XX/2024. So now I understand why I got debt collection. 
On XX/XX/2024 when I received the order from XXXX XXXX XXXX XXXX I saw the address is XXXX XXXX XXXX XXXX, I have never lived there but I have a nephew who lives there, his name is XXXX XXXX. He is the one who file income tax every year for me so he has all my information. I have asked him if he would used my information to apply Discover credit card, he said he doesn't do that. So I don't know and I am not sure who did it. So I have informed you to investigate. 
After I received your responds I know for sure XXXX XXXX did it. Also XXXX that was the phone number he used before. 
He still lives XXXX XXXX XXXX XXXX. 
Please kindly help me clarify this matter. I want him to take responsibility for his actions. Also please advise what should I do. 
Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I wanted to sign up for a program with the company XXXX. The cost is {$7800.00}. I would put that on two credit cards, but the person I talked to said I could take a loan through Affirm instead. I saw four options on their web page to do that : a three-year loan at XXXX. ** %, a two-year loan at XXXX. ** %, a six-month loan at 0 %, and a 12-month loan at 0 %. I chose the latter. 

After the call ended, I checked my email and saw one from Affirm that included this : For your {$9300.00} loan, you'll make 12 monthly payments of {$770.00}, with an APR of 34.65 %. 

I had never been presented with a Truth in Lending Act statement and never agreed to those terms. 

I wrote an email complaining about that to Publishing.com and received a reply saying I needed to take the issue up with Affirm. I called them this morning, and with great difficulty, I explained the problem as I was connected to a call center in XXXX with a great deal of background chatter. I was told to write an email to XXXX XXXX XXXX explaining my issue. I did explain and asked them to cancel the loan. I have not received a reply. 

Even though I hope they will cancel the loan, I want to proceed with this complaint as there was a clear violation of the Truth in Lending Act. 

I am attaching their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
There is a collection on my XXXX credit report for Kingston Data and Credit who is reporting a debt for XXXX XXXX. I have requested in writing validation of debt from Kingston and the address provided to me from XXXX has been returned as undeliverable. I will submit proof of the returned mail. In addition this debt collector is illegally collecting as they are not licensed to collect in California. This is required by the CA Financial Protection Law.

Company response to consumer: Closed with explanation