vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: DE

Complaint narrative:
Recently reviewed credit report and notice what appears to be fraudulent accounts. Please remove from credit file. The account detail is attached. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, as the co-signer for a vehicle loan through Chrysler Capital, I made a final overpayment during the sale of the vehicle, a XXXX. This overpayment resulted in unclaimed property owed to me, a fact I was unaware of until XX/XX/XXXX when I was informed by a law firm. 

XX/XX/XXXX : Contacted Chrysler Capital upon learning of the unclaimed property. A representative directed me to email XXXXsantanderconsumerusaXXXX with identification documentation, stating a resolution timeline of XXXX weeks. 

XX/XX/XXXX : After no further contact, I reached out again and was informed by another representative that the original process advised was incorrect. I was told that my information would be updated and submitted to Accounts Payable for verification on whether the check had been cashed, with a suggestion to follow up on XX/XX/XXXX. 

XX/XX/XXXX : Upon following up, I was told to wait an additional XXXX hours for an update. No substantial information was provided, nor were there any updates from Accounts XXXX or regarding the change in my home address. 

Later on XX/XX/XXXX : After being transferred to a manager, XXXX ( Manager ID : XXXX ), I was informed that all previous advice was incorrect and was instructed to fax my identification to XXXX, reverting to the original advice of a XXXX week processing time. 

Same day : Due to the inconsistencies experienced with Chrysler Capital, I contacted Santander Consumer USA directly. A representative XXXX XXXX, ID : XXXX ) informed me of a different process specific to California, advising me to email cXXXXsantanderconsumerusaXXXX and fax XXXX, which I promptly did. 

Throughout this process, I have encountered conflicting instructions, lack of follow-through, and a significant delay in resolving the claim of unclaimed property owed to me. This experience has been frustrating and time-consuming, with no clear path to resolution provided by Chrysler Capital or Santander Consumer USA .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, XXXX, and EQUIFAX are reporting these inaccurate accounts on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
Experian, XXXX, and XXXX are reporting these inaccurate accounts on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I did not and have not given permission to Portfolio recovery to access my credit profile. Per the Fair Credit Reporting Act states that only businesses with a legitimate reason to check your credit report can do so, and you have to consent in writing to having your credit report pulled. I have not ever given any permission. 

Per the CFPB, " No one should request your credit report without a valid purpose allowed by the law. Anyone who uses or obtains a copy of your credit report under false pretenses may be subject to civil and criminal penalties. '' This company needs is in violation and needs to be fined. I demand you immediately cease and desist from accessing my credit account with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: PA

Complaint narrative:
These inquiries were not authorized by me and I strongly suspect they are fraudulent. I implore you to conduct a thorough investigation and promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
compony is trying to add collection charges on top of original debt not stated allowed in original contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: DE

Complaint narrative:
Recently reviewed credit report and notice what appears to be fraudulent accounts. Please remove from credit file. The account detail is attached. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not give permission for these investigations and firmly suspect they're deceptive. I implore you to thoroughly look into them and swiftly delete them from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TN

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NJ

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
Sofi has locked my account since XX/XX/2024. I called everyday to see what was going on with it, since every XXXX  I have is in the account. Finally XX/XX/XXXX they tell me the IRS is requesting the money to be returned. I call the IRS and remain on the phone for hours to find that the IRS did not request anything from so fi in regards to my account. I call so fi and they say that the investigative team said they were closing My account and to call the irs back. I am on hold but the IRS is likely to tell me the same thing again. I just want my money. Sofi is in the business of taking peoples money and doing what they please XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Attached are my Legal Documents in PDF format as Follows : Revocation of POA, Revocation of Security Interest, Proceeds, and all and any insurance applied for on my behalf. I have also sent true and correct copies of both Recovaction Legal Documents to the court for filing in the current Civil Complaint, and to the XXXX XXXX XXXX XXXX XXXX representing attorney in the proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Attached are my Legal Documents in PDF format as Follows : Revocation of POA, Revocation of Security Interest, Proceeds, and all and any insurance applied for on my behalf. I have also sent true and correct copies of both Recovaction Legal Documents to the court for filing in the current Civil Complaint, and to the XXXX XXXX XXXX XXXX XXXX representing attorney in the proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Attached are my Legal Documents in PDF format as Follows : Revocation of POA, Revocation of Security Interest, Proceeds, and all and any insurance applied for on my behalf. I have also sent true and correct copies of both Recovaction Legal Documents to the court for filing in the current Civil Complaint, and to the XXXX XXXX XXXX XXXX XXXX representing attorney in the proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXXXXXX XXXX XXXX XXXX : Account number XXXX XXXX  XXXX : Account number XXXX XXXX XXXX  : Account number XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of these account is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] collection : 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 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Last year Chase changed my billing address without my knowledge... it took nearly 4 months to fix ( they sent bills to the new address in FLORIDA no payment was ever made from that address ) After finding out and finally understanding that they did this without my knowledge and I had to send payments via Priority Mail Signature Required ... .more than 4 times at my expense. When they finally got the billing right the never corrected the address on I.R.S. Form XXXX ( Interest Statement ) ... they said they would ... ..NOW THIS YEAR THEY DID IT AGAIN and I am now nearing THREE MONTHS and they have not sent me the corrected form. The I.R.S. states that the one PAYING the mortgage should get the form ... ..told them this and had to send two letters to XXXX XXXX , the supposed Executive Director for Chase in charge of Customer Service ... .that was worse than dealing with their Overseas Customer Service and Stateside Customer Service ! THEY DON'T READ THE COMPLAINTS, just send really bad photostat copies of form letters with information that has nothing to do with the complaint. I have been paying this Mortgage for 18 YEARS!! Never missed, always from my same address, the address the Mortgage is on... ..I can't get them to understand that they should NEVER change my address without my knowledge ... XXXX XXXX is simply clueless... he doesn't understand that, He states that my wife ( who apparently made these two requests ) DOES NOT PAY THE MORTGAGE AS THEY SHOULD REALIZE ... They have sent her mortgage statements at least three times between both changes... WITH NO PAYMENT!! I just need one simple thing, that a XXXX XXXX XXXX could have done on the computer in XXXX minutes ... XXXXJUST CHANGE THE ADDRESS ON THE XXXX!! If my wife wants a copy, she can request one... XXXX XXXX doesn't seem to understand. Tax time is here ... I NEED THIS DONE!

Company response to consumer: Closed with explanation