vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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.

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 2024-12-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX They took out out my account were I received social security I'm XXXX. They took {$600.00} and freeze my account with my social security payment in it and they also took {$100.00} out my son savings account my son is in XXXX with XXXX. I had no knowledge that they would of freeze nor take money out my account. So how do I supposed to pay bills. The XXXX XXXX XXXX  stated that I can not remove no money from the account. I have XXXX  XXXX XXXX and XXXX XXXX  XXXX and my XXXX  is messed up. I also pays for my medication now how I can't get my meds.

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 2024-12-12 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-12-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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.

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 2024-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I financed a XXXXXXXX XXXX XXXXXXXX XXXX from the XXXX dealership in XXXX XXXX  XXXX FL. I obtained financing from the dealership, through Santander Consumer Financing, and completed the package onsite. The financing package ( attached ) included a GAP waiver, which stated that, in the event of a total loss, the financing company would stop collecting payments. In XXXX, XXXX, I was trapped in the flash flood emergency that hit XXXX. I drove into an unmarked area that was flooded and was ultimately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before climbing out the window. Needless to say, the car was totaled. I filed a claim with my vehicle insurer, who made payment to Santander in the amount of {$13000.00}. Following that determination and payment, I received acknowledgment from Santander that I had " GAP waiver/insurance. '' In spite of the fact that my documentation clearly identifies the product as a GAP waiver, I did reach out as instructed by Santander, following which XXXXXXXX XXXX, issued payment to Santander in the amount of {$3000.00}. This payment was not accompanied by any explanation of benefit, nor any limitation ( which you will note are also not described in the financing paperwork ). Notwithstanding, Santander continues to show a balance in my online account, as well as on my credit report, and, worst of all, shows it as several months past due. I have filed disputes with the credit bureaus, and sent letters to Santander, with no response other than confirmation. Is it possible that they can just hold my credit hostage to bully me into making payment that I paid to have waived? Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy 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 2024-12-12 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-12 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.
State: PA

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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 2024-12-12 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: MO

Complaint narrative:
I'd discover inaccurate information on my consumer file. Clear violation of Fair Credit Report ACT. I have been disputing this information for longest time now. I've been a victim of XXXXXXXX XXXX Data Breach. Affidavit has been attached regarding the case.

Consumer Reporting Agencies are not investigating under 15 U.S. Code 1681i. I do not receive any investigation details. 

Accounts ; XXXXXXXX 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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I walked into a capital one atm to make a cash deposit and it never appeared on my account I have called Capital one maybe about 15 times since then and first call they said give them 7 to 10 days so I did and nonthing started calling more now they said call next week and so on and every time I speak to someone I get different responses now we are about to be on the 20th day mark and no actual response nore timeline they just say next week sometimes they hang up, they call it getting disconnected so I have to call again through the whole waiting time and explain now they said 30 days is what it takes and I asked if because due to the holidays it could take longer and this person said no, because they work 24/7 and just last week the other person told me they got caught up due to XXXX so now I dont know since the 30 day mark will be on the 25th it will get pushed back that week then we have new years so I think Im looking for a solution on XX/XX/XXXX at this point with all their misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Bethpage FCU of XXXX XXXX has refused to return our lease overpayment. I call it overpayment, because technically and literally it is. This legal greedy money grab situation repeats itself daily, monthly, and yearly hurting the pockets of millions of consumers all over the country. As regulators you should be as peeved as I am that the loop hole I am about to describe exist. You should be even more peeved to know that it has been in existence for as long as it has. Any system that is designed to XXXX consumers " at all costs '' is a broken system. If previous regulators created this loophole, then it is my wish for you to close it. 

XX/XX/year> Leased a XXXX XXXXXXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX NY, payments to Bethpage FCU every XXXX day of each month of XXXX XXXX monthly with interest accruing daily. Lease Downpayment and closing cost approx. $ XXXX 

XX/XX/year> payment {$410.00} to Bethpage for the 31 days of XXXX XX/XX/year> We had an auto accident, and the car was 100 % totaled, with the other party 00 % at fault. 

XX/XX/year> New lease, new car, another $ XXXX to XXXX XXXX. Monthly payment {$360.00} interest to accrue daily. We have by this date paid {$410.00} ( old lease XXXX payment to Bethpage FCU ) + {$360.00} ( new lease payment to Bethpage starting XX/XX/year> ). 

XX/XX/year> XXXX issues check to XXXX for {$37.00}, XXXX. The check was broken down {$36000.00} Bethpage CULA lease payoff and {$1400.00} in lease equity or positive gap. 
XX/XX/year> Bethpage customer service confirms the old lease termination backdated to XX/XX/year>. After roughly an hour on the phone I was eventually transferred to someone named XXXX ( supervisor ). I asked XXXX for a refund of the excess or prorated lease payment for XX/XX/year>, since we paid {$410.00} for the full 31 days of XXXX. 

By my calculation refunding us the prorated amount from XX/XX/XXXX XX/XX/year> was the just and consumer fair thing to do. I explained to XXXX that since interest accrued daily, they should have stopped accrual as of XX/XX/XXXX and refund us roughly {$250.00}. XXXX responds that the lease says any payments paid up to the termination date is not refunded. I tried to tell him that that clause he read did not state that he should not refund excess payment after lease termination date. In addition, I asked XXXX if Bethpage wrote the lease clause he read to me, and his response was no. XXXX promised to look into the matter and call me back by Thursday XX/XX/year>. He did not promise a refund, only to look into it and call me back XX/XX/year> XX/XX/year> No call back from XXXX or anyone from Bethpage FCU. Matter unresolved.

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 2024-12-12 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I filed a complaint with the CFPB against Chase Bank. On XX/XX/year>, Chase Bank contacted me, stating they would send the check by mail. However, the next day, they called again and said they would send the check after verifying the address on it. Despite waiting, the check did not arrive, so I called again. This time, they told me they needed to verify with the IRS before sending the check. Their constantly changing statements make me feel like they are playing with me, and I am very frustrated. 

I sent all the documents that I had submitted to the IRS for the ERC application to Chase, including proof of address and documents proving I am the same owner. But since my company is newly established, Chase says they need to verify it. I even offered to recreate the account for my old company and deposit the check there, but they still refused to send the check and asked me to wait until they hear from the IRS. Reaching the IRS is nearly impossible. How long am I supposed to wait? My company is in urgent need of funds. Chase 's delays in releasing the payroll tax refund ( ERC ), which is supposed to support businesses struggling due to COVID-19, are causing significant disruptions to my business. I am planning to sue Chase for these repeated changes in statements and refusal to return the check. If they do not return the check immediately, I will consult with my lawyer and take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 
Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX 15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. I viewed my trans union credit report on XX/XX/year> and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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.

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