vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please see the attached letter; please note that I am submitting the complaint against ALL three bureaus : XXXX, Experian and XXXX. 

There are several documents ( verifications ) that will be submitted too. 

If I have to submit for each bureau ; please refer to this original-first submission for ALL the documents/ Thank you in advance, 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 2024-09-03 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: Self Financial Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Self Financial / SouthState Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Remove Negative Account from Credit Report Account Number : XXXX Last Four Digits of XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the negative account reported on my credit file associated with account number XXXX. My name is XXXX XXXX, and I reside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft. This must be done within four business days, and the furnisher ( s ) of the information must be promptly notified. 

To initiate this process, I am providing the following documents : - Proof of my identity - A copy of my identity theft report - Identification of the disputed information - A statement affirming that the information is not related to any transaction I have conducted Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing 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. I believe that the negative information associated with this account is inaccurate and was not authorized by me. 

Therefore, I respectfully request that you remove this negative account from my credit report immediately. Please confirm once this action has been completed. 

Thank you for your prompt attention to this matter. I look forward to receiving your confirmation that the necessary steps have been taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My informaton was exposed in a data breach and there is inaccurate accounts information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My informaton was exposed in a data breach and there is inaccurate accounts information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NM

Complaint narrative:
Equifax, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
My issue lies with XXXX XXXX being predatory and dishonest. My interest rate on my XXXX loan was 23.99 % I have attached my contract which was the only contract I was ever given from the original lien holder XXXX XXXX back in XXXX of 2018. My loan was sold off to XXXX yet no other contract was ever given to me nor was there any mention of a Balloon payment at the end of my loan. My contract states that I owe XXXX each month for the life of the loan. I have been late many times with XXXX but was able to pay the late month payment along with a XXXX $ late payment fee to them. I was fine with that What I did not know was their dishonest ways of adding on 19 % each day my payment was late. This accrued to what became my balloon payment and was only explained to me by XXXX XXXX XXXX when I received the last statement letter that had the amount due of approx. XXXX $ I had no idea that this was protocol nor was it written or verbally explained to me that the additional daily late fees were in effect that resulted in a balloon payment. Throughout the XXXX  year loan my vehicle was repossessed twice and each time I managed to get it back by paying their high fees and towing expenses towing my truck almost XXXX miles from my house and the daily impound fee which added up since I couldn't get to my truck being so far away right away. I paid those fines and got my truck back Currently they repossessed my truck again because of my late payment on the ballon payment that they were demanding. I could only pay about XXXX $ each month to get the remaining amount down. It wasn't enough time. So after XXXX  years, I ended up paying over XXXX $ on a truck that was originally listed for XXXX XXXX Yet I have nothing to show for it now. And a negative mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I had a personal trainer agreement with XXXX, which I choose to end under the terms of the contract. I completed the online ONLY cancellation form, talked/texted with the fitness manager shortly after submitting the form, who agreed to cancel. I paid the requited half of the total amount due via monthly payments. XXXX tried to make me pay the entire amount after meeting my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: DE

Complaint narrative:
I was shocked and confused when I noticed inaccurate accounts on my credit report this evening. I have no idea why this happened. I check my credit report regularly, and this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser to see if it was just a technical issue, but the errors remained. Im asking that the documents Ive submitted be thoroughly reviewed so that I dont have to worry about this issue again.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
15 U.S. code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX store credit card company XXXX XXXX XXXX XXXX XXXX for assistance XX/XX/year>. Was misled that the credit protection being offered at the time was credit protection program i had been paying monthly for since inception of getting the credit card. I was told this assistance program in the pandemic would still require me to make payments each month. I later discovered that after I unknowingly signed up for the creditors self created program, the creditor took steps internally to cancel the real credit protection program underwritten by the third-party credit protection program vendor. ( I was provided this information by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did this XX/XX/year> ). 

The disparaging part of this program that I was put on believing it was of financial assistance but yet it required monthly payments, ( that were lower than my regular payments, but were still required, ) and although they kept the fees at bay it did not reduce my balance. I ended up having to pay my balance down to the levels they outlined ; within XXXX  days of this, the creditor reduced my credit limit by the paid off amount ( not discussed or understood as a part of their program ). The subsequent immediate reduction of available credit was justified in a letter to me claiming they did a periodic review of my credit report. The time was highly coincidental and suspicious considering, they had never done this before for the nearly XXXX  years i had the card and was able to pay it routinely. 

The reduction in credit, of course since it was no longer an XXXX available on my credit report, impacted my credit and financial standing even more. Additionally, the payments I had to make monthly under this protection plan actually caused a more of a burden during a very difficult time. After finally being able to track down the information and the benefits I would have received from the third-party protection program that I paid for the entire balance of my card would have been paid based on the program terms that I knew I clearly met. Additionally, I would not have had to make any additional payments, and therefore my credit and overall financial standing may have been in a far better place than what had occurred. The credit protection would of course protected my credit and during the time of the plan issued by XXXX financial I was still reported monthly as being past due and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
I sent a letter to Santander bank in XXXX of 2024. Santander bank settled a lawsuit involving predatory lending and my car was purchased at the time of the lawsuit. My loan was complete, according to the lawsuit but Santander hangs up when I call and says they do not have a loan for me or any of my information. However they have a lien on the title of my car and the XXXX says they must fill out a XXXX release form so that I can get my title to my vehicle. 

( Santander XXXX XXXX XXXX XXXX for {$550.00} XXXX ) https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. they are hurting 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXXXXXX,

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 2024-09-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have asked proof of the appearance of the PERSONAL INFORMATION that I have no idea of.

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 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, a fraudster successfully infiltrated our Wells Fargo bank account, creating a payee under my name, XXXX XXXX, albeit we later discerned the actual name was different ( XXXX XXXX, someone I don't know ). Following this, we were contacted to wire {$XXXX} to the said payee to prevent the wire from executing, under false pretenses. 

Notably, the call originated from the customer service number displayed on the reverse side of our debit card, which instilled trust in us regarding the authenticity of the caller. He was also able to state the last few transactions that we had done on the card. This is even though we had the card in our possession. Then he rattled off a few more recent transactions that he claimed were denied as fraudulent and we could not see them on our account. His ability to call from the CS number at Wells and confirm recent transactions built trust with us which he used to defraud us. 

The funds were consequently transferred to another Wells Fargo account. However, within XXXX minutes post-transfer, we realized the discrepancy upon identifying the actual name on the wire transfer. We immediately contacted Wells Fargo 's fraud departmenta call recorded for quality and service assurance. The representative assured us that the transaction would be halted, given the recipient bank was also Wells Fargo. 

We did receive a call from the fraud department to ascertain the unintended nature of the {$XXXX} wire transfer, affirming it was not meant for an acquaintance. We kept calling and reaching out. On XX/XX/XXXX, almost 2 months after the fraud, Wells Fargo said they were able to retrieve {$XXXX} from the account. I find this unacceptable. If the fraudster was another Wells Fargo accountholder, and they were able to access the account after XXXX months, they surely had the ability to access that account sooner and take action as shared the customer service personnel at Wells Fargo ( that call was recorded for quality assurance ). I would like to receive the remaining balance of my account and would also like to know if Well Fargo had conducted a proper KYC before granting that fraudster an account. In addition, have they taken any legal actions against the perpetrator of the fraud or is that person defrauding others as well? 

I hope you can help me achieve better results on this. 

Best, 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed inaccurate reporting on my account. This account is hurting my ability to obtain credit. I understand that TransUnion will investigate this account for me to ensure accuracy. I am asking you to verify this as accurate : XXXX XXXX  XXXX is reporting that my truck loan account was charged off XX/XX/year>. However, I would like to clarify that I fully paid off my truck loan in XX/XX/year>, and the account was closed in XX/XX/year> with a status of " Paid or Paying as agreed. '' XXXX XXXX XXXX never contacted me about any outstanding payments after settling the loan. 

To support my dispute, I have enclosed copies of my past credit reports showing the correct account status and the online bank statement for my truck loan account, which demonstrates a XXXX balance.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've tried to dispute an incorrect address but an old address wasn't updated by XXXX XXXX XXXX, despite additionally updating the garaging address. I went through the process of disputing directly, but it was returned verified by XXXX XXXX XXXX because they didn't update it to the accurate address prior to the account being paid and closed. The following address is incorrect and needs to be disputed from personal information/records on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I had an appointment with the XXXX. I paid {$100.00} at their office. When I got a bill later, I checked the insurance website and there was no XXXX  yet for that visit. I got a bill in XXXX, checked the insurance website again, then paid what the doctor was billing me for ( {$15.00} ), online using my credit card. Now I got a notice from a debt collector ( First Federal Credit Control XXXX ) for this {$15.00}. Less than XXXX months from the original office visit! And the debt has been paid -- all {$15.00} of it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: AZ

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is an account on my credit report that I do not recognize and believe it may be the result of fraud or identity theft.

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