vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX INQUIRUES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I received a letter from Capital One stating that I am late in paying my credit card. I did not and have never had a credit card with Capital One. I do not have this letter available anymore. I received another one dated XX/XX/2024 stating " Although your account tis past due, its not too late to bring it up to date ''. This is not correct as I do not have a card with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2024-09-05 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I want to complain Santander Consumer USA -The first thing I want let you know, The reason I miss the payment, because I think I did set up auto payment, that why I dont know about the late payment, I did not see any bank statements send to me, the last time I see on XXXX and I did make {$2000.00}. After that I did not see any mail, but you said you did send the bill, please give me all the mail tracking number, all the letter you send to me, - The second is you told me Our vendor, XXXX XXXX XXXX, hired a repossession agency on our behalf to locate and proceed with securing the vehicle. Remember, I sign the contract for the loan with Santander Consumer USA not XXXX XXXX XXXX I dont know them, and I did not sign any contact with them, and I dont own anything from them how can they can hiring company repo my car!!!! That is not right!!!! 
- the third is : you told me contact the repo company. Remember, I did not hiring them, they dont know me too, you should be contact them and give me all the company repo license, I just want to make sure who are they, because I dont know who take my car, did call police and report about lost my car. 
- Four is : I did see the loan contract you send to me, the Gross Trade-In Allowance on XXXX car is not correct, amount is XXXX not XXXX, please check it, and send me all the information about the XXXXXXXX XXXX XXXX I did trade in at dealer. Because the amount trade in not correct, that mean the loan not correct, the interest not correct, everything not correct. 
Under Fair Credit Reporting Act, I believe every thing not fair to me, you have 10 day to give me the all information I need and I will continue to go to lawyers to protect my self.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a balance transfer of {$6300.00} from Bread Rewards Amex credit card company to XXXX XXXX XXXX who was offering 0 % XXXX. I was informed that the transaction was completed and a paper check would be sent within XXXX days to the existing credit card company to pay the balance. The check was returned in XXXX to the sender noting that it was an invalid account number. I called on XX/XX/XXXX to inquire about why I now have two credit cards with the same balance and was told that the check was returned and an electronic submission was needed in order to resubmit the payment. That process would take 5-7 business days. I called back to both financial institutions on XXXX ( XXXX business days ) to inquire about still showing the same balance on both cards and was informed that the electronic wire payment was rejected for an invalid account number ( which I verified with both parties the correct account number is being used to remit the payment ). I called both credit card companies multiple times in an attempt to resolve the issue and was told that I needed to wait another XXXX days for another check to the be sent for the balance transfer to be successful. I explained that they are using the exact same information so the same result would apply, expecting that the payment would be rejected again for an invalid account number. I requested that the process be escalated only to be informed that they can't do that until the lasted payment attempt has been completed. I'm now receiving bills from both credit card companies for payment on the same balance. I need help getting this resolved swiftly and accurately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.

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 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Citibank sent out a pre-screen offer to my address for a personal loan for up to {$30000.00}. 

I filled out the application on-line and was immediately denied on-line. I was never given an opportunity to speak to someone to go over the application itself. They sent an email denial letter stating the only reason the loan was denied was for " excessive inquiries ''. I use XXXX and know for a fact I don't have " excessive inquires ''. I have excellent credit, excellent XXXX, etc. Once the letter was received there is zero contact information to discuss the credit application. It appears the loan application is solely credit report driven with an algorithm that could potentially be incorrect or cause a loan application to be denied.

Having said this, I have reached to the consumer loan department which is all voice enabled. I was never able to speak to a loan representative regarding my denied application. I spoke with general customer service and they referred me back to the same loan servicing number that has no option to speak to a human being. They have created a wall or one-sided communication that is extremely harmful to the consumer. Especially as they used a pre-screen offer to solicit business from me by running soft credit pulls.

The practice of soliciting loan application through the mail, evaluating them based off credit bureau algorithm, and given no Live representative to walk through a denial is extremely harmful to consumer. This needs to be looked at .... I know 100 % I have excellent credit. This practice appears to be very selective to certain consumers and might actually be harmful to other consumers and creating barriers to entry to others. Almost seems like a type reverse Redlining.

I no longer want to do business with CitiBank. However if I can prevent this from happening to someone else, this formal complaint needs to be issued.

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 2024-09-05 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX 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 I have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The companies that are listed reporting inquiries on my credit report that i do not recall. 

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  I have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MO

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-09-05 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: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesani Management Inc
State: UT

Complaint narrative:
I had taken a loan out of XXXX. This was advertised as an installment loan. They required XXXX in payment every two weeks. This did get to be to much every month. They sent it to a collection agency and did not include payments that had been made setting it back to the original amount with interest of XXXX. A garnishment order was placed for this amount. I did pay XXXX directly to Lift and they did not provide that when they sent it off to be collected on. A garnishment has come through for the XXXX. I requested a court date which was approved by the judge based on the amount being incorrect. I reached out to Lift to see if they could get me a breakdown of what was paid and how it was applied to my loan. They are unwilling to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
XXXX  Block Request Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter

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 2024-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Ive been trying to contact XXXX XXXX XXXX to settle a debt in the amount of {$4800.00}. I called numerous times on XX/XX/year> to see if I can settle the debt and get something in writing to show that the debt was settled. Nobody will direct me to someone where I can settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IN

Complaint narrative:
My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been XXXX  months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : After reviewing my credit report, I have identified certain item ( s ) that contain inaccuracies : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items are thoroughly investigated and eliminated from my report. I understand that you will contact the respective creditor to verify these disputed items. Please expunge any information that lacks verification from the creditor 's end. I am aware that under 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. 
Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and assistance in resolving this matter. 
Sincerely, _____________________________________ 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 non-monetary relief
Consumer complaint received 2024-09-05 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:
Ive recently checked my credit report and noticed some inaccurate accounts reporting, please see attached.

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 2024-09-05 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: FL

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting, please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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