vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: SD

Complaint narrative:
I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me XXXX like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that is just some of them, I have disputed and asked for validation from nelnet over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document s including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe s the route

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 2024-04-04 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: SD

Complaint narrative:
I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me XXXX like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is just some of them, I have disputed and asked for validation from nelnet over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX, i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document s including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe s the route

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 2024-04-04 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
There is an account on my credit report with the account number XXXX listing Santander as the creditor. Furthermore, the account lists me as a joint person on the account, but I have no recollection of having a business relationship with Santander. The account status says that it is charged off, but there was never a XXXX form sent to me and according to the IRS this can be deemed as illegal tax violation, and I am liable to file form XXXX against your company. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. I am also requesting the XXXX form that I never received as well as the original contract agreement with my name. Remove this account while this investigation is pending because your information is not credible, and this can and will be labeled as gross misconduct and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
I have asked the company ACIMA to stop calling me because I do not work at this time and dont have any income coming in. They keep calling everyday after I asked numerous times to please stop. It is becoming very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-04-04 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have chime banking and I had a scammer ( unknowingly at the time ) tell me that I can get XXXX in bitcoin if I make a deposit of XXXX . I was fishy about this and asked how trustworthy is this company which is XXXX XXXX XXXX. 
They have a chat app and I communicated with them through the chat box. They told me the company is trustworthy and I decided to give the company a try buy adding the XXXX to my account and I was told prior to making the XXXX $ that its only a one time fee. Unfortunately after making the fee, I was told to make another XXXX $ fee which didnt make sense because I was told it would be just 1 fee of XXXX XXXX I automatically knew it was a scam and decided to ask for a refund and the company told me no. I reported it to my chime bank and they did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the heels of paying billions in fines a few years ago for scamming people, apparently they didn't learn their lesson. Their latest grift is the 'extra day ' grace period. In reality, there is no grace period. You still have to cover any overdrafts the VERY SAME day because they count the extra day as the clock strikes midnight. In other words, they count the extra day when the clock goes from XXXX on the day the overdraft hits to 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 2024-04-04 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: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-04 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: OH

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

EQUIFAX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have this Citi XXXX for close to XXXX  years. I paid down the balance to XXXX over a year ago. I get bombarded on a weekly basis with marketing to utilize the card and that I have {$5400.00} as my avaialble credit limit. You can use for debt consolidation, etc. Now I had an interest free promotion coming to an end on another item and decided to pay off the {$3400.00} balance with this card, last week ( XX/XX/2024 ). Yesterday before my new first payment is even due, they unilaterlly lower my credit line to {$3500.00}. This will now have a trigger effect on my credit score to the negative and obviously damage my overall credit standing. How is this allowable or even warranted? My biggest issue with this is the constant marketing via email, snail mail and so on to utilize their product, which I did and now I get punished. I believe this is one of the biggest problems facing consumers today and it kind of goes unnoticed. It's a subtle way for banks to negatively impact one 's credit score by simpliy lower their available credit, which then lowers credit scores and obviously increases interest rates! What a disgrace.

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 2024-04-04 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: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit Crard Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
In XXXX of XXXX, I received notification about a discover card that I have had in my possession locked away since XXXX of XXXX was being used and charged regularly which had maxed out the card. There was over {$3100.00} charged on said card in a span of 4-5 months. I contacted discover right away once I had realized what had happened. They closed said account and opened a new one with the balance that I had prior to the fraudulent charges. Then, on XX/XX/XXXX of XXXX, I had seen all of these charges come onto the new account and discover had claimed that there wasnt any fraud and that they would not help me. I explained to them that I had called all of the merchants that were listed on the transaction history and they had confirmed that they were fraudulent as well but discover still will not help with this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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:
I am not liable for this debt I have attached below I do not have a contract with these companies they have not provided me with no original contracts as I requested. please help me get this removed to ensure the correction of 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 2024-04-04 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: PA

Complaint narrative:
I am not liable for this debt I have attached below I do not have a contract with these companies they have not provided me with no original contracts as I requested. please help me get this removed to ensure the correction of 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I called Cash One and reported a duplicate payment I did not authorize. This was after I pulled XXXX thinking I was getting an advance on my existing loan, when in reality this was my money from an unauthorized payment. I had called to change out my debit card only and the rep also took a payment without expressed consent. They would not reverse the entire transaction after I told them they made a mistake. I disputed the payment with my bank and they reopened the paid off loan added it to my current loan ( which they said they couldnt do originally ) and are charging me interest on a payment they took to begin with. Its fraud what they are trying to do. They need to pay for their own mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Access Loan Services Inc.
State: CA

Complaint narrative:
we contracted with 2 different companies, signed agreements, etc for a business loan after sending the funds they were required for all closing costs, insurance, etc, etc they both disappeared and have not responded in our repeated attempts to get a hold of them There are 2 diffrent companies for 2 different scams XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX this was the company the lender, XXXX XXXX used to collect monies XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this has already been identified now, as a impersonation of the real company the other company is listed in the next section, my complaints are combined

Company response to consumer: Untimely response
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
This company has violated my rights as the customer. Under the Fair Credit And Rights Act this company has committed the following 15 USC 1681 section 6, I have a right to privacy, 15 USC 1681 a customer reporting agency can not furnish my credit without written consent and instructions. 15USC 1666 b a creditor may not treat a late payment on and open consumer credit account for any purpose.

Company response to consumer: Closed with explanation