vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX  - CHARGE OFF - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I checked my credit report on XX/XX/ and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!

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 2024-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I contacted US  Bank XXXX XXXX  in XX/XX/2023 regarding the end of my lease that was occurring in XX/XX/2023 and I was offered to terminate it early. If I did so the excess mileage, wear and tear fees would be waived and I would get a refund of the last two payments paid. I agreed to do this, the car was picked up the following up day but the company who picked up the car did not provide any paperwork to confirm that I no longer had possession of the vehicle or anything regarding the condition of the vehicle which was the first thing odd about this return process. I called US Bank to confirm they had the vehicle and they advised yes. I also asked for a lease end statement and was told they don't do this. I pushed back against this as this is not standard practice and eventually they agreed to send me a letter stating the lease was closed and no payments were owed. I received this letter and I called in XXXX regarding the status of the refund for the last two payments paid. I was told in XXXX it would be 60 days but when I spoke to an agent in XXXX after checking she said that it likely be 60 days from when the vehicle was auctioned which occurred at the end of XX/XX/2023. Then this week I received an invoice for the excessive mileage and when I called the rep I spoke with advised that my account had numerous offers but she didn't see the excessive mileage waiver added. The whole reason why I agreed to terminate the lease early was because of this being offered or I would have sold it on my own which would have avoided any fees being assessed. This bait and switch tactic leads me to believe this more of deeper problem with US Bank XXXX as they don't seem to do things that are standard. Also try to really discourage their customers from exercising their right to purchase the vehicle at the end of a lease.

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 2024-01-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
My state of Utah gov't unemployment benefits were direct deposited to the US Bank RELIA CARD . ( which is the card/acct they offer by default ). 
I called them and asked to have a card sent to me because I never got a card from them when I was initially signed up to that card service by the state of Utah. 
They over-nighted the card to me for {$15.00} and deducted the money from my balance which was just under {$2600.00}. ( {$310.00} per week for 8 weeks of back pay Utah owed me while they verified my identity ). I got my card in the mail UPS two days later and went to activate the new card and I kept getting denied on the activation process, so I called the number on the back of the card, and I was told my account has been closed for some period of time. And they refused to give me any other information at all other than I need to contact the F.U.I.. ( AND THEN THEY HUNG UP THE PHONE ) and everytime I go to call them they just hang up on me immediately once I identify myself to them. So now I don't know who the F.U.I. company is or anything that I need to do to move forward on this to get my money back.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative  mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a XXXX XXXX and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a XXXX XXXX and reflect proper paid off comment in full. this has affected greatly my consumer reports and 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 explanation
Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
i reviewed my consumer reports and noticed that i had 1 late payment on an account that i was never late or intentionally pay late because while this date i was in boot camp in XXXX XXXX and the auto payment of all my account was activated. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments before and after this date that i have included screen short inside this complaint in on date XX/XX/22 .Please investigate and provide proof with statement showing that this payment was late. I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
XXXX XXXX Navient reported to credit bureaus that I was 90 days delinquent, however, they also reported XX/XX/year> and XX/XX/year> in good standing. This has affected my XXXX XXXX significantly, I have XXXX accounts totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: LA

Complaint narrative:
Unauthorized hard inquiries were made on my XXXX, Transunion, and XXXX credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Unauthorized hard inquiries were made on my XXXX, XXXX, and Experian credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Un-Authorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Un-Authorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine and Weiner has attached an outstanding claim to my credit report for use of XXXX XXXX XXXX. 

However, I have never used XXXX, and have been using XXXX for years, including during the time period they claim. 

they initially attached a claim to my credit saying I owed XXXX dollars. When I questioned the claim on my credit report with XXXX and XXXX XXXX, they had the unmitigated gall to send me a new, even higher bill for the same thing!!! 

It is clearly a scam to learn more about peoples ' cars, to steal their money, and perhaps to steal their cars!! 

The claim needs to be removed from all of my credit reports and they need to be taken to court for fraud. Unbelievable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: GA

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

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 USC 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or Metro 2 credit reporting. I have evidence to prove my case.

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 2024-01-20 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: GA

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

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 USC 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or Metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH

Complaint narrative:
On XXXX XXXX XXXX had processed an autopay for credit card payment for XXXX $ from HSBC Checking account, the transaction was processed with HSBC allowing it even with Low balance in the account, due to the low balance, i had immediately transferred sufficient funds for the full transaction to go through and it was reflected in the Bank account before the star of next business day, but HSBC still went ahead and rejected my credit card payment to be cleared causing nothing but inconvenience. I had to block an extra XXXX $ so that there is not issue with the payment, and on top of that the transaction was rejected and credit back into my HSBC checking account later on XXXX XXXX even though there were sufficient funds. 

I tried to resolve the issue with HSBC with a manager named XXXX and his colleague XXXX, but both were least interested in solving the issue. 

The reference number for the call i had with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received a message from Venmo stating that " my account statement is now available ''. 
I contacted Venmo and asked them to delete the account supposedly held in my name, supposedly held by me, that I never opened. 
They are stating that they will not close the said account until I provide them with more information. It is stunningly bizarre that a company would request MORE information from me before closing an account with my name and information on it. They are stating that they are doing this to " prevent fraud ''. 
Well obviously they are already failing at the " prevention of fraud ', so why would I possibly give them more information .... so that it can become compromised too? They apparently have information on me from somewhere, that they didn't receive from me, so if I give them MORE information, will they allow this information to be compromised as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
Merchants CB XXXX- this is a company stating i owe the XXXX XXXX XXXX XXXX, which is false and the city is refusing to provide me with the information, my brother was shot going to his car and i advised this people i was going to move, provided them with the keys and the information they had the cameras and things. They sold my information without my permission to merchants cb XXXX i don't know this company for them to give my personal information to my social was disclosed as well as my personal contact information and they call faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Immigrant to country ( Fiance to bride ) with green card but not drivers license or form of employment yet. This company was unable to verify anything without a drivers license, job, etc. 

A letter showing personal identification including government documents was sent directly to this company and yet the only written correspondence every received asked for Paystubs, drivers licence, or other documents which are not available. 

Also note : XXXX and XXXX are currently functional for my name, DOB, SSN, and address but Equifax refuses to correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
THIS ACCOUNT IS FRAUD. I SENT LETTERS TO THE BUEARUS XX/XX/23AND A FEW TIMES BEFORE THAT.

Company response to consumer: Closed with explanation