vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
The first car! Was a XXXX! You have it on my credit. That i paid the amounts dont match what they report on my credit! This is between Santander, and XXXX, this complaint is for both partys to validate both contracts! I was forced into that fit! and threaten if I didnt. And if you sold it who didnt go to!? Again I have all documentation stating this is fraud all the way to the crushing yard, this Is money laundering on top of it everything else, prove you or any 3rd party dont have full intent to benefit off the beneficiary, and purposely destroy that relationship with the intent of not taking a loss. I have suffered extreme about financial stress and hardship due to all of the trauma me and my family have endured, how are you going to explain to me [ XXXX XXXX XXXX ] that you seen no wrong done to the beneficiary when I [ XXXX XXXX XXXX ] regardless who, wasnt where? your name and company as well take responsibility of your 3rd party. As well as you have shown me no indication that you have taken it seriously prior to the 3 phone calls asking about it. I am requesting ( COMPENSATION*, +INTEREST ) THAT IS, MAY, HAS BEEN [ COLLECTED ] and or ( COLLECTING ) FROM THE BENEFICIARY, [ XXXX, XXXX, XXXX ] TO MAKE PERSONNEL GAIN OFF OF WITH THE INTENT TO DEFRAUD THE US AND ITS PROPERTY TO INTENT OF CRIMES AGAINST THE ( BENEFICIARY ) INTENT WITH FULL KNOWLEDGE TO NOT UPHOLD THE SWORN DUTYS OF THE FIDUCIARY DUTYS THAT YOU, and ANY PERSON ( S ) INCORPORATED UNDER, and DUE TO THE FULL INTENTION TO NOT UPHOLD THOS DUTYS I AM REQUESTING A FULL CANCELATION OF THE ANY AND ALL CONTACT ( s ) BETWEEN THE BENEFICIARY AND ( SANTANDER ), ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX ) DUE TO BREECHE ( S ) as THE 100 % RESPONSIBLE AND 100 % LIABILITY TO OPENLY AND WILLING AS THE FIDUCIARY TAKEN- [ ( FULL RESPONSIBILITY IN THE TOTAL ( AMOUNT MENTIONED IN THE [ CONTRACT ( S ) ] AS REQUESTED ) ] AND WILL NOT COMPLY WITH ANY OTHER OFFERS REASON ETC AN SO ON, REFINED CONTRACT ( S ) of ANY KIND AS OF THE BREECH ( S ) OF FIDUCIARY YOU AND ANY PEOPLE ( s ), COOPERATIONS ETC AND SO ON, IS AGAINST FEDERAL LAW, all RETAINING PARTY ( s ) HAVE BREECHED THE CONTRACT, PLEASE SEND ALL DOCUMENTS INCLUDING 3rd party ( XXXX XXXX XXXX the same applys to all XXXX partys involved etc, an so on. Thank you for your full comprehension and full knowledge as well as the attention by receiving this letter, complaint, etc you full comply with all account abilities with your full knowledge that, you, any corporation ( s ) etc involved. Take 100 % liability, as well as the 30days of validation. Please send to the beneficiary [ XXXX, XXXX, XXXX XXXX ] for accurate documentation to be carried and verified by officials and other personnel as originally, original documents retaining the XXXX and XXXX fit. This is fraud ( ulent ) thank you for your time have a good day Signed - [ BENEFICIARY ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
15 US code1681 ( b ) State that Credit Report Agency ( XXXX, XXXX, XXXX ) doesn`t have the right to report anything on your credit report without a written consent, I never gave written consent.

15 USC 1681 a ( 1 ) ( a ) defines consumer reporting agency, " as any person or entity which for monetary fee or dues, regularly engages in the practice of an assembling or evaluating consumer credit information of furnishing consumers reports to third parties.

Essentially it defines the entities that collect and report to third parties and provide consumer credit information to others for a fee as consumer reporting agencies under the FCRA. 

National Credit Adjusters- ( {$2800.00} ) account # XXXX, Opened XX/XX/2023, with collection agency ( 15 USC 1692g ) submit Validation the debt, with name of original credit with original contract with my Signature on it, and payment history.

This is on my Credit report Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I went for a vacation to XXXX and they dilute me to say to come to hear about some membership. It sounded great but next thing I know they make me sign a credit card without my knowledge, and when I call within the time of cancellation, which was five days they did not. They prolonged they said that they supervisor was going to call me and nobody called me. They said that I called after, but I can not prove because I did call. 
As soon as I called to get informed about the membership, they told me that do not tell From the truth that theyre the ones they actually explain at that point I was very frustrated and I told him I need to cancel. They said that someone was gon na call me, but they did not call me and they use that against me because that past the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XXXX XXXX, XXXX, American Express attempted to complete an Auto Payment by withdrawing funds from my savings account at XXXX. The payment was rejected by my bank due to insufficient funds. I noticed the rejected payment the same day. I immediately attempted to rectify the situation by logging into the Amex app and associated the Auto Payment with a new account which had sufficient funds to pay the balance owed on the card. I then contacted Amex customer service via the chat feature on the app. I explained to the rep what had happened and the steps I had taken to rectify the situation by linking a new account. I then asked the representative if the actions I had taken were sufficient or if I needed to take additional action. The customer service rep indicated that the system should automatically attempt a new payment, but asked me to monitor the situation for the next 48-72 hours to be sure. When I checked back in I found that Amex had attempted to charge the old account again. I called Amex and asked them why they had charged the wrong account a second time. They indicated that the system will automatically attempt to charge the same account three times and there was nothing they could do to stop it. I emphasized to them that this was the second time I was contacting them to notify them that I no longer used the old account they were attempting to charge, that it did not have sufficient funds and that I was expressly revoking authorization for them to charge that account further. Amex informed me there is nothing they can do to stop the system from charging the old account and my only option was to wait until all the attempts were complete and then call back to arrange for a payment. Every time Amex attempts to charge the old account, they hit me with a {$29.00} Return Payment Fee and my bank charges me a {$32.00} overdraft service fee. Its outrageous that they refuse to use the new method of payment that I have provided while XXXX hit with multiple service fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 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: Lendmark Financial Services
State: MD

Complaint narrative:
Inaccurate late payments are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate that the late payment marks be off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXXXXXX XXXX account # 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 2024-04-10 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: CA

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXXXXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: GA

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 XXXXXXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 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.

15 U.S.C. 1681 section 602A, A. States that I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states that 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 the records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: GA

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  Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Act # XXXX XXXX XXXX XXXX Acct # XXXX 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.

15 U.S.C. 1681 section 602A, A. States that I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states that 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 the records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IN

Complaint narrative:
I reviewed my Consumer Reports from XXXX, XXXX Equifax etc. and noticed my account with inaccuracies that I was never seen. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never had inaccuracies like this for XXXXXXXX XXXX  XXXX account XXXX Please investigate and provide Proof with statements If proof can't be provided, I demand these payments be updated to on time as they should be as I was never Late. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of XXXX  XXXX  and I tried submitting paperwork to clear my debt with Equifax and it was denied for not having more supportive documentation. My counsel Im working with whos supporting me is ( XXXXXXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
3 months ago sofi said they were investigating my account so they froze it. In the past 3 months nothing has been done and all.they said 1 month ago was that it was going to be closed. They refuse to give me access to my money. It's been 3 months and not one explanation or access to my money. They are committing fraud and trying to keep my money. They are rude and no help when I call. I explain it's been 3 months and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I found items on my report that dont belong to me. I filed a FTC report. Nobody has yet to help me get these items removed. See attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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:
i want these inquirys removed i did not authorize to run on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the below listed accounts have violated my rights. 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 I would like all these accounts removed from my account, I have no knowledge of these accounts, and I have also contacted the creditors with no explanation nor resolution to the matter. 

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