vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MO

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-14 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I received a letter from Chrysler Capital / Santander Consumer USA Inc dated XX/XX/XXXX that stated " Chrysler Capital does not perform goodwill or courtesy requests to remove accurately reported negative information from your credit report '' ( as shown in attachment ) after I filed my dispute concerning my rights under the FCRA. I inform Chrysler Capital that the information they was reporting was diminishing the value of my consumer credit report and needed them to block and remove it immediately. On or around XX/XX/XXXX I talked to Chrysler Capital / Santander Consumer USA Inc. fraud department and spoke with representatives " XXXX '' employee ID # XXXX and " XXXX '' employee ID # XXXX both XXXX and XXXX had horrible customer service, rude, was yelling thru the phone and using profane language.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: AL

Complaint narrative:
This company is reporting an account that there is no name listed for the company and that it's not listed by any of the other bureaus. I have submitted a complaint to Equifax directly and it came back verified. This is an FCRA violation of complete, whole and accurate reporting mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a Complaint against Synchrony Bank XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX Facts : In XXXXXXXX XXXX I paid in full {$120.00} for a bench press, from QVC. 

The debt was paid check number XXXX, Bank XXXX which was converted on XX/XX/2020 ; Serial Number XXXX ACH Converted Item. 

DESPITE ACKNOWLEDGING THIS DEBT HAVING BEEN PAID, TIHS BANK CONTINUES TO ASSESS LATE FEES, AND, HAVE DEFAMED MY CREDIT BY FALSELY REPORTING A DEFICIENCY TO THE CREDIT REPORTING AGENCIES., AND, AS A DIRECT RESULT, OTHER CREDIT CARDS ARE BEING CANCELED AND MY CREDIT LINE REDUCED. 

I CONTACTED SYNCHRONY MANY TIMES, THEY CALLED ME AND LIED TO ME AND TOLD ME THIS WOULD BE FIXED, AND, INSTEAD, THEY DID THE OPPOSITE, AND DEFAMED MY XXXX 

I HAVE CONTACTED THESE SCOUNDRELS NO LESS THEN TEN ( 10 ) TIMES, BUT, THEY JUST REFUSE TO FOLLOW UP, AND CHANGE THEIR NEGATIVE DEFAMATORY CREDIT REPORTING. 

THEY ACTUALLY HAD THE AUDACITY TO TELL ME THEY " WERE NOT SET UP TO RECEIVE PAYMENT IN FULL '', BUT THEY ACKNOWLEDGED THE DEBT WAS PAID IN FULL.. 

YOU CAN SEE BY THE VOLUME OF COMMUNICATIONS TO THEM, FROM ME, THAT THEY HAVE NO INTENTION OF FIXING THEIR MESS, AND, THEY WILL NOT VOLUTARILY DO ANYTHING, OTHER THEN TO CONTINUE TO DEFAME MY CREDIT. 

I ALSO SENT LETTERD AND EMAILS TO XXXX XXXX XXXX XXXX XXXX and XXXX Synchrony Bank Corporate XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, Utah XXXX, BUT, SHE IGNORED MY LETTERS AND EMAILS, DESPITE HAVING MADE XXXX XXXX DOLLARS LAST YEAR!!! 

I WANT MY CREDIT FIXED, AND, I WANT SYNCHRONY BANK TO STOP DEFAMING MY CREDIT. 

I AM ATTACHING MANY OF THE COMMUNICATIONS, SO, YOU CAN SEE HOW SYNCHRONY IS TREATING THIS LIKE A JOKE. I DO NOT FIND IT AMUSING. 

XXXX XXXX ATTORNEY AT XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-01-14 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I'm writing this complaint to address a response that I received from chase bank via mail. I submitted a complaint to the CFPB about Chase Bank obtaining my consumer report without a permissible purpose or consent from me the consumer. this is my final attempt to settle before I escalate this matter to arbitration. Chase Bank has in fact admitted to being guilty of XXXX count of obtaining my consumer report under false pretenses and without consent from me the consumer. CHASE BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. chase bank committed identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( XXXX ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. CHASE BANK ( JPMCB CARD SERVICES ) obtained my consumer report under false pretenses and without written consent and have admitted to this crime in their response to my complaint and they shall now be held liable. They responding letting me know that they asked the CRA to update the inquiry on my report, but there still was no permissible purpose or consent given to them from me the consumer to obtain a copy of my consumer report. they were supposed to conduct a permissible purposes audit but have failed to do this and provide me with any results. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; chase bank is in violation of 15 U.S. Code 1681q and 15 usc 1681b ( XXXX ) and 1643 of this title unauthorized use of a credit card which is defined as my social security number. under title 15 usc 1602

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-14 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: GA

Complaint narrative:
I'm writing this complaint to address a response that I received from XXXX XXXX via mail. I submitted a complaint to the CFPB about XXXX Bank obtaining my consumer report without a permissible purpose or consent from me the consumer. this is my final attempt to settle before I escalate this matter to arbitration. XXXX Bank has in fact admitted to being guilty of 1 count of obtaining my consumer report under false pretenses and without consent from me the consumer. XXXX BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. XXXX bank committed identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX BANK ( XXXX XXXX XXXX ) obtained my consumer report under false pretenses and without written consent and have admitted to this crime in their response to my complaint and they shall now be held liable. They responding letting me know that they asked the CRA to update the inquiry on my report, but there still was no permissible purpose or consent given to them from me the consumer to obtain a copy of my consumer report. they were supposed to conduct a permissible purposes audit but have failed to do this and provide me with any results. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; XXXX bank is in violation of 15 U.S. Code 1681q and 15 usc 1681b ( 2 ) and 1643 of this title unauthorized use of a credit card which is defined as my social security number. under title 15 usc 1602

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX refunded my cash app {$230.00} for a order I didnt receive. On my refunded receipt it clearly stated dont worry about returning the item. On XX/XX/XXXX cash app allowed XXXX to debit my account and put it in a negative status. I attached the receipt from XXXX to cash app showing what XXXX stated dont worrying about returning the item. My account with cash app is still In the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Over the past years, I have always checked the box to allow my loan servicer to give me the lowest payment payment plan under the guidelines of XXXX. They have frequently given me the highest payment amount although I qualified for a lower payment plan. 

On XX/XX/21, I realized this when I received a recalculation of my XXXX plan after recertifying for my XXXX plan for XXXX. I noticed that the amount was very high and so I reapplied again and checked the lowest payment Revised Pay As You Earn ( XXXX ) plan ( instead of letting FedLoan Servicing select a plan for me ). 

I was qualified to enter Revised Pay As You Earn ( XXXX ) and was saving $ XXXX. 

You put trust when you select the box for the servicer to select the payment plan that is the lowest, and I realized I was overpaying for several years. 

The documents I have submitted are only for one year because the documents from past years have been removed from my account mailbox. 

This is a predatory practice and needs to be stopped especially for public service employees, who make less than private employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: SC

Complaint narrative:
Equifax - XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. I WANT TO KNOW THE FURNISHER THAT IS GIVING EQUIFAX INFORMATION. I HAVE NOT GIVEN ANY 3rd PARTY FURNISHER MY INFORMATION NOR HAVE I GIVEN PERMISSION TO GIVE OUT MY ADDRESS OR MY NAME. SEND ME THE SOURCE THAT IS GIVING EQUIFAX MY INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I received blank checks in my name from TD BANK on XX/XX/2022. I do not have an account with TD bank. TD bank closed the account and reported it as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX, and XX/XX/12 I made deposits to cover my account according to what the account showed in real time. Now I didnt realize that this bank do not put in the overdraft fees in pending. Therefore didnt know I had these fees til they post. What they did was take their fees and returned my echeck to XXXX and charged me a returned check fee. Huntington caused my account to bounced and caused XXXX to locked my account! Now this echeck will be presented in a few days because of their mistake. Meanwhile {$360.00} has been taken in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 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: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern : I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me, XXXX XXXX, for account number XXXX. In the amount Of {$480.00} Due to possible inaccuracies in these credit reports, I lawfully request the debt validation be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 15 calendar days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from reporting agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
| Date of transaction : XX/XX/XXXX | Order total : {$1000.00} | Amount paid : {$190.00} | Agreement with business : Promotional 6-month installment payment | Nature of dispute : After arranging promotional installment payment plan with Well 's Fargo and the first payment made on XX/XX/XXXX, Well 's Fargo breached our agreement and charged me for the rest of the amount on XX/XX/XXXX | Resolution : The business has not tried to resolve the problem | Account Number : XXXX XXXX XXXX XXXX | Order Number : XXXX | Statement reference number : XXXX Note : See attached supporting documentation with details on payment agreement

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 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-14 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation