vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with Experian, and XXXX ; regrettably, the matter remains unresolved to date. 

Experian 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Employers : XXXX 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information 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 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I gave the reasons for repayment due to the extra fees that was demanded cause my vehicle to be repossessed and then cause other fees that a cured during the length of the loan.

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 2024-01-25 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: AZ

Complaint narrative:
I observed my credit report and identified inaccurate and fraudulent accounts that require reporting and correction through your company. Kindly assess and investigate accounts that are not entirely accurate. I request the removal of all inaccurate entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT

Complaint narrative:
Working with Dividend financial and I believe their practices are shady at best. I have asked for clarification about why my autopay was canceled without my notice and have not received a response. I have also asked why I continued to receive calls asking me to make payments despite having made a payment. Their company website does not clearly indicate records and believe they attempt to extricate payments early from individuals who may not be as assertive. When pressed for more information in writing, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX knows this information posted on my credit report is incorrect. 

XXXX can not produce loan agreements with me.

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 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have received numerous emails from santander telling me my car is up for repossession and to co tact the company to discuss ways to keep my car for a cheaper amount that is owed. The car has already been charged off and written off. I have called the bank multiple times trying to find options to reinstate loan/ payment plan to stop repo. The bank will only ask me where I live and where the car is at the moment to be picked up. On XXXX XXXX XXXX at XXXX in the morning I was getting ready for work when a neighbor called me. There was a guy in my yard taking pictures over my fence. I went out to confront him and he told me he was with the bank and needed to take the keys and the car. I asked him his name which he refused to give me. He said he was never in my yard but new the car was out back and he was with the bank. 

I want to know who went to my house what company name and why they were on my property taking pictures over my fence of privacy Now my children are scared to sleep in there room due to the guy taking pictures by the bedroom/window. Scared he will break in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: MO

Complaint narrative:
Experian starts today like all others with a XXXX, they closed yet another complaint without addressing the issue but once again gives absurd explanations

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 2024-01-25 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: MD

Complaint narrative:
There is a account on my credit report from XXXX XXXX with the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXXas they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt. 

Enclosed is an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If no proof of delivery to the address below prior to XX/XX/XXXX, I am entitled to compensation of {$1000.00} per violation. Only verified documentation will be accepted for proof that your company followed fdcpa laws. 

Address : XXXX XXXX XXXX, XXXX XXXX XXXX This is a demand to CEASE AND DESIST as well as a notice of unlawful conduct and failure to distribute proper notice. Please remove this account off all my consumer reports immediately. 

Failure to remove this account off of all my consumer reports and failure to pay the invoice due to I the consumer will result in further legal action as well as the filing of a FTC report for Identity Theft per The Privacy Act of 1974

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 2024-01-25 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: SC

Complaint narrative:
Every month they increase the debt by XXXX and report it as increase in debt. Its from XX/XX/2020 I have no idea what its even from of if its mine but its XXXX so idk what the extra charges are except a way to continue reporting me to hurt my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into Bankruptcy court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record of XXXX XXXX XXXX on my report. I was informed to inquiry with XXXX and XXXX. Also I checked with Trans Union and they informed that public record information comes from XXXX. I then contacted XXXX and was told that Trans Union does the reporting of public records ie BK 's not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the Bankruptcy Cases I want to be removed, it is not a reflection of my character. I want XXXX, Trans Union and XXXX to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into Bankruptcy court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record of XXXX XXXX XXXX on my report. I was informed to inquiry with Experian and XXXX. Also I checked with XXXX XXXX and they informed that public record information comes from XXXX. I then contacted XXXX and was told that XXXX XXXX does the reporting of public records ie BK 's not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the Bankruptcy Cases I want to be removed, it is not a reflection of my character. I want XXXX, XXXX XXXX and Experian to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXXXXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : 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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XXXX of last year, XXXX I informed Ally bank that I was disputing a XXXX  charge of {$59.00} because the food made me XXXX XXXX XXXX XXXX. The process was frustrating, stressful, and induced XXXX XXXX XXXX in response. 

I told them that XXXX could not do anything about a refund after 2 months. But it went in XXXX XXXX  and out the other. I sent them screenshots of emails from XXXX telling telling me that there was nothing that could be done because after 60 days, they are unable to issue refunds. Ally bank insisted on an investigation that would take 90 days starting on XX/XX/XXXX and it finished apparently three days before XX/XX/XXXX. Saying that the transaction was valid. It's been constant in going back and forth between Ally to XXXX XXXX, from XXXX to Ally bank. I'm tired of being treated as if I'm the XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX on the way to the XXXX XXXX XXXX I'm having them reopen this again because I do not accept their decision. Even XXXX said in an email that it should just be refunded, but apparently they want to hear that from XXXX and I keep telling them XXXX can't do refunds after 60 days. 

Ally Bank was the worst mistake I went with. And I am hoping that you guys or even the NY AG can help get my money back as I've done everything possible, filled out their forms, sent it back through Ally secure message but their delay was the reason why XXXX couldn't refund it and they won't even admit that it was their ( Ally 's ) delay that screwed me over. I have experienced nothing but excessive stress, XXXX XXXX XXXX, pounding in my head from dealing with Ally 90 % through the chat function than over the phone. I went with the Chat option because I wanted transcripts of what they said. But I'm done with Ally. I'm done with their drama, their politics, their gaslighting, their placating, I've had enough. 

I still have all of the emails I have from XXXX and then the received messages from Ally that I can screen shot. When I told them I was going to contact the CFPB and the NY AG, I got the strongest sensation that they thought I was 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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I reached out to Credit Karma about 2 months ago now to start the process of reporting an NFT scam I had discovered I was a part of and explained the situation to the bank requesting a refund for the scam I was victim to. They said that they would have to investigate and it could take upwards of 45 days. I completely understood and let them investigate offering any evidence that I had collected. Remaining unbelievably patient for well beyond the 45 days I continually had to reach out to the bank for any correspondence on this case. Due to my schedule, I was only able to mostly communicate via chat - so I do have screenshots of every conversation and every promise made for them to " reach out to me or call in. '' I continued to stay patient letting them know how serious this was and that I felt like I was being disregarded and a longtime loyal banking customer - that had never had anything like this happen. Still, out of nearly XXXX dollars my bank approved XXXX but denied the remaining amounts. Their reasoning was " compelling evidence from the merchant '' so I reached out to the merchant, XXXX. They had no such evidence that was connected to my account or noted on my account. They took the utmost care and immediately did a thorough investigation. They sent me every piece of information I needed to file more reports against the scammers and how to protect myself in the future. Unlike Credit Karma, who dismissed a very serious NFT scam case and made decisions about how much they were willing to refund. I am still in a battle with this FDIC bank, Credit Karma, on whether or not they are WILLING to refund my money that was involved in a scam, in which I was the victim. 

I will be removing everything I have with this bank once I receive my refund- this has been the worst banking experience I have gone through. I hope that no one who is a victim of an NFT scam understands that this bank will not help you. They do not care about you as a consumer and will pass you off to the next person.

Another simple example : I spoke to a chat agent with Credit Karma and asked for the legal department 's information. To be told repeatedly, " Someone will reach out to you '' for absolutely no one to reach out AND the information is readily available online. I also can legally request this information from an agent of the company. It tells you so much about the " tactics '' they train their customer employees in to avoid conflict. But in reality, this has only further escalated the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I rented a car from XXXX. When I looked at my Amex bill, there was an additional charge of {$15.00} from PREMIUM CAR RENTAL INSUR, NY. When I called and ask what that was, they said it was primum car insurance from American Express. I said I never asked for it and I want the money refunded and the service discontinued. They said they can not refund it because I signed up on it via a another card I had several years ago. I said I never signed up for it with THIS particular card and there is no mention on it ANYWHERE on the website or a section to discontinue it. They said they would discontinue the service and refund me the {$15.00}. Both never happened. I tried to dispute it again, and I got the same results. I dont want this service, I can not find where to discontinue it and I want a refund for my {$15.00} because I never requested it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: Cascade Capital, LLC
State: TX

Complaint narrative:
How did you get my information and why are you selling it youre going to be implemented in federal suit Ive never done business with Cascade Capital funding and youve sold my information to your affiliated XXXX XXXX and XXXX down me my written consent that you have being that youre profiting off of my Hippa information causing harm and deceptive and misleading practices where did up get my information and why do you have it whats the address to your legal department Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. An account was assigned to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX by our client, Cascade Capital Funding, in the name of XXXX XXXX. On XX/XX/XXXX, we mailed a letter to XXXX XXXX which contained a validation notice to the address of record. ( Note : The address of record is the same address listed by the consumer on this complaint -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX. ) This letter was not returned as undeliverable. On XX/XX/XXXX, the account was closed and returned to Cascade Capital Funding. Also, on XX/XX/XXXX, we requested the credit reporting agencies to delete the XXXX XXXX XXXX XXXX XXXX XXXX tradeline related to the Cascade Capital Funding account from XXXX XXXX credit bureau report. Should anything further be required, please do not hesitate to contact XXXX XXXXXXXX our XXXX  XXXX XXXXXXXX, at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation