vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I obtain a copy of my XXXX credit report in XXXX and have been working since then to have this false loan removed from my account I didnt have a loan on a vehicle and have never signed for a loan. I have since then filed a theft of identify and a police report which i will attach. I spoke with the credit bureau and have sent in a dispute letter and added an identify theft statement to my credit report. 

Please contact this company and remove this immediately from my report. I have been made aware under THE FAIR CREDIT REPORTING ACT the company must remove this from my report and proved a copy of the transaction records per the FTC 609 ( e ). 


Account charged was {$11000.00} written off but past due as of XX/XX/XXXX is {$9900.00} the account was open XXXX I dont know if it was a loan or lease new or old car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally is continously refusing to send me my payoff documents, my lease payoff amount and my payment history.. 

It has been close to 5 months and this is the 5th complaint ( possibly the 6th ) I have filed in a week on Ally. 

They sent the same woman to call me twice, and she just hangs up on me when I tell her to stop calling me and send me my documents. 

I am awaiting signing a retainer with an attorney to file a legal suit against ALLY for refusing to send me these documents and engaging in fraud and decpetive business practices. 

I have read hundreds of online complaints about ALLY doing this to thousands of consumers. This is their actual business model, to extort money fraudulently from consumers for no reason at all, when the consumer is TRYING TO PURCHASE THE CAR AND GET AWAY FROM ALLY This is costing me {$500.00} a month in garage fees, {$300.00} a month in car insurance and {$580.00} a month in the lease payment for a total of {$1400.00} OUT OF POCKET EVERY SINGLE MONTH THAT I DO NOT LEGALLY HAVE TO PAY IF ALLY FOLLOWED THE LAW. 

{$1400.00} x 7 ( total ) months that ALLY has been refusing to send me documents = {$9800.00} so far in unnecessary payments out of my pocket, countless hours lost of wages at {$1200.00} a day trying to force this corporation to abide by the laws. They refuse. The losses and damages in this case will be in excess of {$100000.00} at this point due to how severely Ally has harmed me, my corporation, and impacted my ability to survive.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-10-21 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: NY

Complaint narrative:
Upon checking my credit report I seen things that are reported that are not suppose to be there. I don't know where these accounts came from, I reported to police station that my identity has been compromised and filed a report. I sent off letters to the bureau on XX/XX/XXXX and these accounts still have not been removed. The following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: NY

Complaint narrative:
Upon checking my credit report XXXX seen things that are reported that are not suppose to be there. I don't know where these accounts came from, I reported to police station that my identity has been compromised and filed a report. I sent off letters to the bureau on XX/XX/XXXX and these accounts still have not been removed. The following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i have inquiries that i did not authorize on my credit report on my credit profile. at the time of the hard inquiries i was incarcerated so its no way i could have applied to any of the companies listed below also my social is XXXX and my birthday is XX/XX/XXXX so u can be able to look up my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: NC

Complaint narrative:
Transuion is showing negative items on my credit report, called the finance company and requested a letter showing that the auto loan was paid in full and that the account was never late. i send this letter to the credit reporting company and multiple times and they have yet to correct the issue

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I can not use my corporate credit card or my personal credit card and I can not pay my bill for either card because Chase has locked me out of my online accounts, since I got a new computer and new cell phone, They only provide the option on the website and app to call an XXXX number that goes in circles and goes nowhere. There is literally no other option for me to get access to my online accounts. I have emailed them more than 10 times. I have emailed their Executive Office more than 10 times. I have made several of these complaints. I got no response until yesterday I finally got a form email that says they are " investigating. '' I do not benefit from their self involved investigation, I benefit from GIVING ME ACCESS TO MY ACCOUNTS which they refused to respond to my email responses again stating it is illegal to lock me out. I have sent several. 

I am XXXX. Per ada I am again asking for my legal right which is reasonable accommodation which is simply GIVE ME ACCESS ONLINE TO MY ACCOUNTS, NOW. STOP LOCKING ME OUT ILLEGALLY BECAUSE I PURCHASED NEW DEVICES. 

I will be looking to stop using my chase credit cards and moving to another company to use as my main credit cards after this experience, it is not the first or 2nd time they have done something like this this year. A few months ago they refused to apply a {$7000.00} credit card payment I made, again for close to a month, which blocked me from using my credit card and it caused me huge problems and took so much of my time. 

I am asking to just get access to my accounts, this is illegal to refuse me access and I do not understand why Chase does not take this seriously when they seem to take other things seriously and do a great job in the other area I need assistance with, unrelated to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Transunion file # XXXX XXXX. Transunion has received proper evidence via certified AFFIDAVIT XXXX, received XX/XX/XXXX, and certified Affidavit XXXX, received XX/XX/XXXX, showing this account to be inaccurate and does not belong to this consumer or on the credit report. 

XXXX. Consumer declares that XXXX XXXX XXXX XXXX XXXX merged out of existence, and was dissolved on XX/XX/XXXX as South Carolina entity # XXXX, and that none of its officers were operating lawfully in North Carolina at the time of alleged consumer contract, therfore it is impossible that agents for TransUnion could verify or investigate and are falsifying their report that it was already verified. Transunion has received evidence via certified XXXX that account was disputed with XXXX and deleted on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I got so many late payments on trans union XXXX late payments for XXXX XXXX. When I never missed a payment ever and it automated come out my paycheck. Years of bad credit and high interest rates on cars/house loan because of it.

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
I paid my credit card with my business checking account which I am a sole proprietor. I use the card for household items and I rent my house out part time. They closed the card due to making a payment from a business checking account and they blocked me from the online banking so I can not pay online. Then they charge me late fees when I can not get into the account to pay and I can only send it paper checks which I dont know when the arrive and they are charging me more late fees. I have paid on time for 6 years and now they are trying to put me into delinquency.

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 monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their promotion campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$600.00} opening bonus as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment XXXX contains the response I received from U.S. Bank and the promotion terms and conditions. Attachment XXXX confirms that I opened my new account with the promotion code and within the specified timeframe, well within the 90-day window. 

According to the terms provided, this promotion was open to customers using the XXXX promotion code but deemed ineligible for those utilizing XXXX XXXX. Regrettably, this policy regarding XXXX XXXX was neither adequately defined nor documented, leading to considerable confusion. To add to the confusion, despite opening the account through the XXXX XXXX XXXX the promotion code " XXXX '' was validated and recorded in their system. Additionally, the U.S. Bank customer representatives confirmed they acknowledged the presence of the promotion code on my account. 

To my dismay, I received correspondence from U.S. Bank asserting my ineligibility for the opening bonus, citing the XXXX XXXX. This contradicts the information provided during the account opening process and is a significant source of frustration. The practice of validating the promotion code through XXXX XXXX during the account opening process, only to later deny eligibility based on the same, is deeply misleading. This not only creates confusion but erodes the trust customers place in the bank 's communication and processes. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

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