vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XX/XX/XXXX I attempted to start working on and fixing my credit. Upon receiving my credit report I see that I have XXXX Collections. One for XXXX XXXX Said amount owed is {$620.00}. I have disputed this, because dates are incorrect, I have contacted them numerous times within the last month and I have not recieved one single response from them. I attempted to tell them I would like to settle my debt in payments only request was that they update my report. No response. The other is RMP LLC Collections. Said amount owed is {$1300.00}. I have also disputed this because dates are incorrect. No luck. I have contacted them numerous times through email attempting to settle thus debt in payments as well. No response. XX/XX/XXXX I attempted to reach out by phone call. Upon getting a person on the line to speak to ( who was extremely rude! ) I find the name is incorrect and the amount is incorrect. They said the amount was {$4000.00} and something. Not exactly sure but I know I heard {$4000.00}. Upon asking to recieve a debt verification letter she replied " I have no idea what that is ''. I have been reaching out to both of these companies for over 3 months now and not a single person has attempted to contact or work with me. And upon finding out that there is A LOT of misinformation on these debts I felt disputing would be the right call. Both of my disputes where denied. I just don't understand how they get away with this XXXX on people. And how they can just ignore you and be beyond rude. Also not contact you when you reach out not 1, not 2 but at least 5 times..! I've been looking up what I can do about this and came across your site. I really hope you can help with this. I've been trying to work with this guys for at least 6 months and not only did I not get any help or even a response, I have not gotten a single thing accomplished with them. I am beyond upset. I'm infuriated to no end. It has caused problems in my home with my family and spouse. Please please help me! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I will not be finished paying out my car loan on time in XXXX because of their high interest rates and late fees double but I asked them can they work out something to help pay it off by XXXX refinance lower rate discount the car so I can finish in XXXX but they are trying to charge more extra charges and is not willing to work out something I asked for a supervisor to call me have not heard back I called and talked to an customer Service representative that was very un knowledgeable about loan information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: PA

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX 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 2024-03-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
After numerous attempts to have this fraudulent account removed Nissan Motor Acceptance refuses to delete from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with Experian and XXXX. Experian has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a XXXX report. 2 accounts remain and I have received emails from Experian stating that XXXX and XXXX ( 2accounts ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and Experian ). I have also wrote these two companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a 1099-c so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/2024 I filled out an application for a Frontier Credit card while I was on a return flight from Utah to XXXX. On XX/XX/2024, I received the card in the mail. I activated the card by using the QR code on the card. I completed the online account creation. On XX/XX/2024 I went online to add my husband to the account and saw the account read " closed '' in a couple areas on the page, but also that there was an XXXX charge for the yearly APR, I had been given a XXXX credit limit. I thought the " closed '' was just a glitch in the system or something I would have to call and check on since I had just received the card the day before. I was able to add an authorized user, so I added my husband and received a message that he would receive a card in 7 - 10 business days. 

I tried to use the card at two different places because one of the conditions was you had to spend at least a dollar within the first few months of owning the card to get additional rewards. The card was declined both times. Today, XX/XX/XXXX at approximately XXXX, when I called to find out why my card would not work I was informed that I had called on XX/XX/XXXX at XXXX and reported fraud and requested my account be closed with no other card issued. I did not call on XX/XX/XXXX. I never reported fraud. I did not request my account be closed. I spoke to two people at Barclay today concerning the card but they insisted I had called and reported fraud and closed the account. They informed me I could reapply for a new card if I choose, but none of the 1st time cardholder perks would apply. 

I am distressed by the fact that Frontier made promises concerning the card yet I was never able to use it. 

I can not get into the online account for this card anymore. When I try to log in I get an error security message. I am very concerned because something is very suspicious about this whole situation. I gave all my personal information to Frontier in good faith when I applied for this card. 

Please let me know what my next steps should be. 
Thank you.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2024-03-08 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-03-08 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: PA

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 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 2024-03-08 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: PA

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 XXXX 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 explanation
Consumer complaint received 2024-03-08 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: NC

Complaint narrative:
After numerous attempts to have this fraudulent spouse or co-applicant XXXX, removed from my credit report credit bureaus have not removed.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
AMEX HAS XXXX INQUIRES ON MY CREDIT PROFILE. I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. THIS IS FRAUDULENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my profound disappointment and indignation at Equifax 's blatant disregard for legal compliance by rejecting my request to block inaccurate information and unauthorized transactions from my credit file. This blatant display of negligence and indifference toward consumer rights is entirely unacceptable. Equifax 's failure to take appropriate measures to rectify the inaccuracies in my credit file not only constitutes a violation of the law but also undermines the credibility of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've reached out multiple times to get have my address corrected, I've sent over the documents requested for proof of address and its still showing addresses that doesn't have anything to do with me. 


I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged address, Debt, nor therefore any such address or debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I got a car from credit Acceptance XXXX XXXX XXXX the interest rate was very high and after a few months it became to high to pay so now its on my credit stopping me from getting another car and its been like XXXX  years and its still showing on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX 2 diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXX XXXX  Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXX XXXX  ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Under closed accounts there are two different entries that are for the same account number with XXXX XXXX XXXX The most recently added entry, that began in XX/XX/XXXX, is a repeat from the same account opened in 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 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The funds in my capital one checking and savings account are not available due to a XXXX transfer of {$100.00}. 

The XXXX transfer was initiated on XX/XX/2024. I try explaining to capital one that the {$100.00} is not a business transaction. Unfortunately I was not aware that you can not use XXXX with capital one because it triggers a scam alert. 

Please guys help me out. Unfortunately I got all my funds with them and need to be able to access them as soon as possible in order to provide for my wife and kids. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NJ

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 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 2024-03-08 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: NJ

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 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 explanation
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: NJ

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief