vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed this account from XXXX XXXX XXXX XXXX which is reporting a balance for {$620.00}, I have no knowledge of this account and it shouldnt be on my credit report. This account has been removed from XXXX and XXXX but TransUnion continues to let the account remain on my report. 

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear CFPB, I am filing a complaint regarding Chrysler Capitals inaccurate reporting of repossession information. Specifically, Chrysler Capital has reported to all credit bureaus that my account was settled, when in fact it was not. I did not settle the account. The balance is zero because Chrysler Capital waived the amount owed due to an inaccuracy, but they continue to incorrectly report that the account was settled by me.

Despite my repeated attempts to resolve this issue, Chrysler Capital has failed to correct the inaccurate information. I have sent a certified mail request specifically asking Chrysler Capital to notify the credit bureaus that the account was not settled by me and to correct the record. However, they have not responded or taken corrective action. 

Additionally, Chrysler Capital has been unable to verify my address on file, further complicating the situation and preventing any resolution. I have made multiple attempts to obtain the requested information, but Chrysler Capital has not provided the documentation or corrected the inaccurate reports. 

I am requesting the immediate removal of the inaccurate information from my credit report, as Chrysler Capital continues to report that the account was settled when it was not. This ongoing error has been reported multiple times and has not been corrected despite my consistent efforts. 

I am asking for your assistance in ensuring Chrysler Capital : Corrects the inaccurate reporting to all credit bureaus, specifically that the account was not settled by me. 
Provides a statement clarifying the waiver of the amount owed, including the reasons for the adjustment, and confirms that the balance is XXXX. 
Removes the inaccurate reporting of " settled '' from my credit report. 
I appreciate your help in resolving this matter and ensuring that Chrysler Capital corrects their reporting. Below attached documents are : XXXX stating they can not confirm me when I sent all information to verify me through certified mail. I am currently homeless with this matter, and sent in documentation proving that do to me not having a lease. Confirmation of Chrysler Capital not having my incorrect information in on file for me to receive any documentation and a copy from all bureaus with current showings. XXXX removes information from previous disputes with incorrect purchase date, balance amount, address and amount owed. Company also lies that I settled when I did not, only to waive balance to " XXXX '', but refuses to delete report. 
Also, the customer ID is not accurate. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX ( Do not consent to Chrysler capital email correspondence ) Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On credit report, Chase Bank remarks state charged off. 
Made request for 1099 c and never received 1099c Also the creditor sold debt account XXXX XXXXXXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX then sold Debt on XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX Chase reported the balance of XXXX and can not by law post a balance after charge off and sale of debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to NEGATIVELY impact my credit score. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of these inquiries as it is incorrect and does not reflect my true credit history. I did not verify nor authorize these inquiries and Im a victim of identity theft. I have filed this with the identitytheft.gov and I will attach the documents. 

Below are the unverified and unauthorized inquiries and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: OR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-12 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: GA

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid off a car loan and they said they won't update my account for 3 months. I need my account updated as they would a late payment., it shouldn't take long according to the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-12 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I am writing to you in regard to several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 
I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA :

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 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX, I was given vehicle loan terms from XXXX XXXX in XXXX Tennessee. I was given a car with predatory terms of 29 % + interest on a {$28000.00} car. 

Since getting the car, I have made {$25000.00} worth of interest payments and only {$2000.00} payments going the principal. 

On XX/XX/XXXX, my vehicle was repossessed out of a parking lot. While talking to the tow truck company, they informed me that I would be able to discuss options on how to redeem my car back from the financing company and that I would have 30 days to do so. 

On XX/XX/XXXX, I called into my financing company ( XXXX XXXX  ) to discuss options of redeeming my repossessed car. The first customer service representative said there was nothing I could do and would have to pay off the remaining balance of the car totaling {$30000.00}. I wanted to come to a settlement where i take care of the remaining monthly balance that was due and take possession of my vehicle back. 

It is very predatory that I have made almost $ XXXX worth of payments to a company and still have a remaining $ XXXX to pay towards the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: CA

Complaint narrative:
i am in process of purchasing home only to find out their is Student loan in my name. 
i have never been to or taken college classes where i took out a any loans. 
when i called company reporting this Nelnet student aid loans turns out someone else is the student not me and it was my ex-wife who had /have access to my personal information. loans were taken out over 10 plus years ago and i never received any communications or was made aware off. even the contact information Nelnet had on my file nothing belong to not the phone XXXX  or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Comerica
State: FL

Complaint narrative:
XXXX XXXX is my bank {$310.00} was paid out of my account too XXXX according to XXXX XXXX service request number ( XXXX ) XXXX  denied receiving {$310.00} telling me they did not bill this Bank this has been going on since XXXX XXXX account number ( XXXX ) both XXXX XXXX and XXXX refuse to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided all the information that I requested. They have not provided any pages with my signature completing and executing an agreement between them and I, the FULL original account number, or the amount they paid for the debt their attempting to collect. They have provided a PARTIAL original account number, charge off date, amount of debt, creditor 's name, the date debt was acquired, the origination date with original creditor, and date of last payment to original creditor. All this information was provided from the account summary report that was printed by XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX  XXXX. 

Pertaining to XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX has not provided any information at all. I requested the same exact information for this account as the previous account listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided all the information that I requested. They have not provided any pages with my signature completing and executing an agreement between them and I, the FULL original account number, or the amount they paid for the debt their attempting to collect. They have provided a PARTIAL original account number, charge off date, amount of debt, creditor 's name, the date debt was acquired, the origination date with original creditor, and date of last payment to original creditor. All this information was provided from the account summary report that was printed by XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX  XXXX. 

Pertaining to XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX has not provided any information at all. I requested the same exact information for this account as the previous account listed here.

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 2025-02-12 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to you in regard to several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 
I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
I am writing to you in regard to several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 
I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I went online on American Express XXXX XXXX XXXX. I currently had a bronze card and wanted to upgrade to platinum. It said XXXX miles would be applied if a certain dollar amount was spent in a specific timeframe which I did. The miles were never applied to my delta skymiles account so I called. They said they had to do an investigation. I called back two weeks later for an update and they said you didn't get the miles because you did an upgrade and didn't get a net new card. The website is very unclear that it is only applies to net new cards. After searching some more and digging in it does look like there are miles for upgrades but they said it didn't apply to me. Overall the advertising is very unclear and misleading. I would not have upgraded my card if I knew this promotion was not available. I upgraded my card I believe XX/XX/XXXX and I just received the update that no additional miles would be applied XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We have held a Capital One 360 Savings account since 2016. As interest rates rose significantly between XXXX- Capital One created a phantom savings account called " XXXX XXXX '' without advising current savings account holders that they are missing out on much higher interest rates for their existing " XXXX Savings '' accounts. Through those years, our XXXX account held up to {$500000.00} at the low frozen interest rate of 0.3 % where we could have received much higher rates had we been made aware of the XXXX XXXX account. As soon as we discovered this lawsuit, we immediately called Capital One and asked to be converted to the XXXX XXXX account. This was an unfair business practice and no doubt saved Capital One and their shareholders billions of dollars at the expense of unassuming consumers. We want to be part of the class action lawsuit and get the interest payments that we deserved under the performance XXXX account since it's inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXXXX sent a settlement letter offering to settle the account for {$500.00}, with payment due by XX/XX/year>. The letter also stated that upon receiving the full payment, the tradeline reported by LVNV Funding LLC would be deleted. 

I paid the full settlement amount of {$500.00} on XX/XX/scrub>XXXX XXXX XXXX and have proof of this payment in the form of a cleared check. Despite fulfilling the settlement terms, the account is still being reported as unpaid on my credit report. I disputed this with the credit bureaus, providing the settlement agreement and proof of payment, but my dispute was rejected without any change to the accounts status. 

The settlement letter clearly states that the account would be updated or deleted upon settlement. This failure to update the account accurately violates the Fair Credit Reporting Act ( FCRA ), which requires companies to report accurate information. 

I am requesting that the account be corrected to reflect its settled statusor that the tradeline be deleted, as promised in the settlement agreement.

Company response to consumer: Closed with non-monetary relief