vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to you regarding my recent experience at XXXX XXXX XXXX XXXX XXXX in XXXX, GA, where I attempted to use a pre-approved auto loan from Chrysler Capital to purchase a vehicle. Despite providing all the necessary documents including proof of identity, proof of income, and proof of address, I was informed that I could not be provided a truth in lending statement or an approval for a loan without putting cash down on a car, regardless of which vehicle I chose. 



I would like to bring to your attention that this practice is in violation of federal laws, such as the Truth In Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ). TILA requires lenders to provide borrowers with a written disclosure of all loan terms and costs before the loan is consummated. This disclosure, known as the Truth in Lending statement, must include the finance charge, the annual percentage rate ( APR ), and the total amount of the loan. Additionally, TILA prohibits lenders from conditioning the extension of credit on the borrower 's agreement to purchase property or services from a particular creditor.

ECOA, on the other hand, prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. It requires lenders to consider credit applications based on the applicant 's creditworthiness and not on any prohibited basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.

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 2023-05-24 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: MN

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Nationstar Mortgage LLC, d/b/a Mr. Coooper has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected irreparable psychological and emotional harm as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX  Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognized there was erroneous information on my credit report so I notified Equifax to get it resolved. They failed to verify the information and have not completed their investigation in 30 days. They are willfully violating the Fair Credit Reporting Act by their continuous reporting of wrong information and unwillingness to validate or respond within the timeframe given by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: NY

Complaint narrative:
I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX  account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report. 

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency. 

I demand that you take the following actions within 4 business days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX  account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts.

4. Provide me with written confirmation once the necessary corrections have been made. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act. 

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation. 

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require. 

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: OH

Complaint narrative:
Have no knowledge of this account, XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-05-24 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: OH

Complaint narrative:
Have no knowledge of this account, XXXX XXXX  ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have things on my credit that dont belong 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 explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: NE

Complaint narrative:
I never had applied for a personal loan from Net Credit of XXXX. 
I first learned when I received a collection notice for {$5100.00} on a loan I never made nor received a XXXX. 
Several attempts were made and no action was taken. 
Someone somehow stole my personal information to get a {$5000.00} loan. 
Again, this company did nothing to help me or take the negative collection reports off the 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: AZ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i had some checks that were mailed to pay bills, stolen from a mailbox, washed, and then cashed fraudulently by the thieves. This happened in XX/XX/2022 over a year ago, and i reported the issue soon thereafter. The checks were written on two different banks- my personal account and on my business account. My personal bank cleared up that check ( for {$8000.00} ) last XXXX, 2022 and i was reimbursed for the total amount. 
the other check ( {$3000.00} ) is still outstanding. My business bank evidently is not able to get any response from the bank that mistakenly cashed that check. I believe that bank is responsible for the fraud and their error, and that they should reimburse 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 explanation
Consumer complaint received 2023-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX : Unknown Inquiry XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-05-24 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: AZ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Around the beginning of XXXX, I realized someone had made close to {$2300.00} worth of unauthorized purchases with my debit card. I contacted Chase to file a dispute. They issued a temporary credit. A couple weeks later, I received notice that they would be debiting the credit as the charges were authorized. I contacted their customer service and they told me the charges had come from my IP address and asked if anyone else lived in my home. I replied that my husband and XXXX kids did. He asked if I thought it could be one of my kids and to call back if I found out that it was one of them. Never in a million years did I think it was possible but after speaking to one of my boys, I discovered he made the charges. I called Chase back to reopen the dispute and a different rep told me there was nothing they could do. That since it was one of my kids then I still benefitted from the purchases. I most certainly didn't authorize or benefit from any of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX {$24000.00} XX/XX/2017 XXXX XXXX XXXX {$23000.00} XX/XX/2017 15 U.S.C, 1681section 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 an 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 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 2023-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have been fighting XXXX and Mohela since early XXXX. I submitted proof that I was eligible for loan forgiveness due to false certification. I do not have a XXXX XXXX XXXX XXXX thus I never legally qualified for classes at University of XXXX. I submitted my proof 3 times over the last 3 years, each time waiting 90 days before reaching out to learn the status of my results. Each time i was told to re submit my paperwork as it must have gotten lost. On XXXX XXXX XXXX I received a letter from Student Aid ( See attached ) stating that they would Remove the loan from my credit and refund any loan payments. A month later I called to check status, they were quite rude and told me to call Mohela. So I did. On XX/XX/XXXX I received a letter from Mohela stating that they are processing my request. I feel they are not taking my needs seriously. It couldn't be that difficult to log in and remove the account from my credit profile. Since my battle began in early XXXX i feel this is long overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recent complaint ID : XXXX Equifax Information Services LLC Hi , Thank you for your response to my complaint submitted through the CFPB Complaint Portal. I appreciate the completion of your investigation regarding the inaccurate items on my credit file. However, after reviewing the results you provided, I am still concerned about the presence of these disputed items on my credit report. 
In your response, you mentioned that adverse accounts that have been paid in full will be automatically deleted seven years from the date of the first delinquency. I would like to clarify that the disputed items in question were not paid in full and should be removed from my credit report based on their inaccurate reporting. 

Regarding the accounts where additional information was provided from the original source, I kindly request that you provide me with the specific details and supporting documentation that substantiate the accuracy of these items. It is crucial for me to review this information to ensure the validity of the reported data. 

Furthermore, the non-reporting disputes you mentioned indicate that the disputed items are not currently reported on my Equifax credit file. In light of this information, I request that these items be completely removed from my credit report to ensure its accuracy and fairness. 

I would appreciate your prompt attention to this matter and a comprehensive resolution to remove all disputed items from my credit report. Please provide me with a detailed response and any necessary actions I need to take to ensure the removal of these inaccuracies. 

Thank you for your cooperation and prompt assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/23 I logged in to my Wells Fargo Account to deposit a check vis the mobile app. Once I was logged on I discovered three transactions of {$1000.00} each made to two separate people using XXXX. All three transactions were not made by me, nor do I know who the subjects are. I immediately contacted Wells Fargo and made an identity theft and fraud complaint. Week later I received a letter stating that they determined I sent those transactions. I called and spoke to a representative who stated I used my mobile app to send the transaction. Ive called multiple times disputing their finding. I attempted to appeal their decision and was told I was not able to. Another representative confirmed my two numbers on my account. After receiving their evidence on how they determined I was at fault I reviewed all documents. It was determined that someone hacked into my account using a desktop computer added a Georgia cell phone number and transferred these transaction. After filing another executive complaint I have yet to hear back from Wells Fargo. I have also filed a police 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