vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I paid for a warranty for this car, Santander consumer stated that the warranty had cancel after to the car was in auto shop month in half, Santander knew about the issue with the car and welling to provide assistance to service the car. I spoke with several rep and no resolution .This car is not in woking condition to be driving XXXX is reporting inaccurate and wrongly balance to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TX

Complaint narrative:
I have tried to fix this issue with each credit bureau, Transunion, XXXX and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

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 2023-01-27 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: TX

Complaint narrative:
I have tried to fix this issue with each credit bureau, XXXX, Experian and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear agency please help me XXXX not responsible of those inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: MI

Complaint narrative:
Four Visa prepaid debit cards were purchased for my personal use at XXXX grocery store around XX/XX/2022. Each card was initially loaded with {$500.00}. Shortly after purchase I registered and activated the cards at XXXX At or around XX/XX/XXXX I tried to use the cards at XXXX and the cards did not work. At this time I called the number on the back of the card and spoke to a representative. The customer service representative said that the card was potentially compromised and a new card would be issued. I verified my personal information including address with the rep and she said a new card would be sent out and arrive within 1-2 weeks. I repeated this process for all 4 cards. 

The four replacement cards never arrived after 3-4 weeks, so I called in again. The rep said that the cards may have been lost in the mail and that new replacement cards would be sent again. Again I had to make this same call four separate times for each card. 

After another 3-4 weeks passed, I had yet to receive any of the cards so I called in again. The rep again said the cards might have been lost in the mail and that she would need to replace a second time. At this point I did not believe these cards were lost in the mail as the likelihood of this happening 8 times is extremely small. On all four separate calls with customer service support I asked to speak to a supervisor - and all four times I was told they were either on break or busy with another customer. The rep each time assured me this would not happen again and processed a replacement for me. I had to repeat this phone call 4 times ( they can't process more than one card at a time ) Amazingly, after another 3-4 weeks these cards again never arrived. At this point my frustration is through the roof and I called about 2 of the cards. The rep for each card said that it would be best to change my address on file to see if the cards will arrive at a new address. For these two cards I updated my address to a XXXX box I own. I received a change of address form in the mail but after 3-4 weeks the replacement cards still haven't shown up. 

Over 3 months have passed since the original purchase of the 4 {$500.00} cards and I've attempted to replace 2 of the cards 4 separate times and the other 2 cards 3 different times and nothing is working. I believe I have gone above and beyond to attempt to resolve this with the company and I would appreciate any help to resolve this matter. 

I can provide all card # 's when necessary. I still have they original 4 physical cards in my possession. Ultimately I would either like these cards activated so that I can use or 4 new cards to be actually sent to me.

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 monetary relief
Consumer complaint received 2023-01-27 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: OH

Complaint narrative:
I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a 1099c. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
I recently pulled my credit report to find that XXXX XXXX was listed as a collection with all 3 bureaus. I havent any paper work I received a phone call a few months ago but they could verify the information after that I didnt receive any information from this company regarding any balance owed. Ive tried to dispute previously with no response I emailed them hoping for a response. I do believe this is a fraudulent activity nonetheless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently experienced fraudulent transactions on my ATM debit card As a result, I submitted a reimbursement request # XXXX. I am writing to appeal the decision to deny my reimbursement of the transactions below.My bank rejected the fraud reimbursement stating that I was likely responsible for the transactions. This is absolutely false as I have proof that I was nowhere near the locations of these withdrawals. 

Withdrawal Date : Withdrawal Amount : Location : XX/XX/2023 {$100.00} Non Citi ATM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 {$100.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$23.00} Non Citi ATM 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 monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XXXX 2021..There was over XXXX $ removed from my chime checking account. By using a feature chime offers called pay friends. Chime also offers a feature where you can block your card from any transactions being able to go threw. I did have my card blocked at the time of the transactions I also declined one of the transactions when I received a text message but yet chime still allowed the money to be taken out of my account I have no idea who this person is and chime has declined my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear agency please help me Im not responsible of those inquiries

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear agency please help me Im not responsible of those inquiries

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX ( XX/XX/XXXX ) Experian Experians XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on it. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. Ive also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I need this account deleted from my credit report if this information isnt XXXX percent correct. So, could you please check on this account and get back to me! Ive done some research and you have within 30 days to complete a full investigation on this matter. Please investigate the following account and remove anything is missing or not correct them. 

I Demand the following account be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account Number. XXXX ~Verification Needed~ Cancel Contract. Please provide the original contract or delete it I also read where I can get an updated report after you investigate my case. Could you please send it to me? Also, please let me know who had access to my file as well. I would like all the investigation outcome to be sent to my address I have documented. Ill be looking forward to your email.

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
There is a fraudulent account on my credit report that was opened up in XXXX of 2017, that I DID NOT Authorize to be opened. I believe that a falsified ID may have been used to open this account, that I was unaware of, until checking my credit during the initial home buying process. The company who holds this alleged account is Acima Digital FKA Simp and the alleged balance is {$3400.00} I have also filed a report of fraud with the FTC. I am requesting this be deleted off my credit / consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
I moved out a rental property, XXXXXXXX XXXX, on XX/XX/2022 and paid off balance, retaining receipts and proof of payments. 
Unbeknownst to me, the landlord started false credit reporting, collected non-existing past due debts from my renter 's insurance and still filed with debt collectors called " XXXX XXXX by Hunter Warfiled '' on XX/XX/2022. 
Since I was contacted by Hunter Warfileld on XX/XX/2022, I have made several attempts by phone to contact the landlord and debt collector and they both threatened to pursue action and to damage my credit if I don't pay up a debt I do not owe. 
My attorney mailed proof of payment and receipts on XX/XX/2022, asking for the false information to be removed. I have tracking and proof that Hunter Warfield received and signed for the letter and proof of dispute. Yet, after 30 days they still refuse to remove the negative report from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was charged overdraft fees, although I deposited money to cover the fees before the pending charges were processed.

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 monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Opp loans Acct # XXXX Opp loans Acct # XXXX Self lender Acct # XXXX These accts are paid off. I ask that you removed these accounts immediately feom my report immediately Social security # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Merchants' Credit Guide Company
State: OH

Complaint narrative:
unknown debt placed on my credit report  2/18 receiving harassing calls & damaging my credit report score, please help & remove

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There is a charged off account on my credit report with XXXX XXXX This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. XXXX is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and XXXX and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but XXXX and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Asset Management Outsourcing, Inc.
State: WA

Complaint narrative:
Currently have a active complaint for debt collector known in XXXX AMO Recovery inc DBA asset management outsourcing recoveries inc with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. Asset management outsourcing recoveries inc no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had an Equifax product ( {$15.00} XXXX XXXX ) that included refreshed XXXX scores up to once a day, an Equifax credit report once a XXXX and XXXX bureau report XXXX. I called them to add my XXXX  to the plan and they removed the daily XXXX score feature without telling me that this would happen. I now pay {$20.00} a XXXX for a daily Equifax report and score and have to wait a XXXX  to get XXXX scores/XXXX bureau report XXXX Definitely not worth the money. I can get that for free. 

The call center tried to tell me that it has always been this way ( gaslighting ) until I had them go back into the system and acknowledge that they removed the daily XXXX score feature when I added my XXXX. I requested a refund and that has been pending for XXXX  now. I am certain it will never come. They have since removed the XXXX score feature from my original plan, but they can't take it away from existing customers unless they make a change of some sort, which is what happened to me. That's fine, but they have to TELL YOU. When a customer picks up on it and complains, Equifax lies about it. 

I believe that Equifax is engaging in illegal/unethical practices in selling their products. They do not disclose to customers exactly what features will be lost when they make changes to an existing plan. Calling the customer service number is a waste of time. They just stonewall and say, '' you will be notified once the inquiry is complete. '' My inquiry has been going on for XXXX. They are so huge and insulated they do not care if they lose XXXX or XXXX customers for the millions who don't realize that they are paying more for less.

Company response to consumer: Closed with explanation