vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/XXXX my loan was transferred to new lender Fifth Third Bank ( FTB ). XX/XX/XXXX I spoke to a FTB rep and completed a hardship app via phone. During the call I was told I was approved and my payments for XXXX, XXXX, and XXXX would be pushed to the median of my loan XXXX. XX/XX/XXXX. I was informed that although I completed the hardship app via phone that I still needed to complete a written app. During this phone conversation I informed the rep that I already completed app and was told I was approved. XX/XX/XXXX, FTB started reporting negative infractions on my credit report. XX/XX/XXXX, I wrote FTB requesting to review phone call in XX/XX/XXXX of theyre Rep approving me via phone call. During this call I was informed I needed to send in more documents that at no point did they informed me to send. Last XXXX, FTB denied my hardship app stating I didnt turn in paperwork. I sent a letter XX/XX/XXXX requesting their receiving process because I sent in documents certified mail. I continued to write FTB XXXX XXXX XXXX. No response. My last letter I sent I informed them of intent to sue and that due to it being past 30 days without a response, my compliant was valid. I then received a written response back from Presidents office of them finally starting to investigate my situation. In XXXX, FTB presidents office denied my claim stating their reporting is correct. I wrote them again to request them review the recorded call ( XX/XX/XXXX ). XX/XX/XXXX, FTB response to the recorded call that occurred XX/XX/XXXX wasnt a approval. 

FTB is being dishonest to their consumers. I was approved via the call and thn told something completely different. Proceeded need to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have paid off and closed my discover account back in XXXX now they are showing I owe them {$85.00} and I am 30 days delinquent result in drastic decrease of my credit score. I would request them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be DELETED as soon as possible.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
there are multiple inquiries on my credit that I did not authorize from credo

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been depositing the same checks from the same reputable company for almost a year, every time I deposit this check, its put on hold and Im not able to access my funds because the bank states its suspicious. This is extremely discriminatory and offensive. I am not able access the money for around a week after I deposit the check. The funds have always cleared and Im still being treated as a suspicious person depositing questionable checks for almost a year with no valid reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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:
The credit bureaus stated my account was properly investigated but how is that possible when the open date is inaccurate, the last date is not accurate, the payment history is empty and inaccurate and no validation of any accounts requested have been mailed to me. 

I am saddened that my rights were violated as a consumer over and over again under : 15.U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2. Also states a consumer agency can not furnish an account without my written instructions. 

I have been suffering for decades due to " bad '' credit history. I have been profiled, label and denied funding due to what is reported on my credit report. Life has been hard. It is heartbreak to find out, that this is not of my doing but the lack of accurate research on the part of the credit report before furnishing anything under my name. Attached you will see that no accounts have any accurate information which is mind-blowing. I am reaching out as a frustrated and fed-up consumer determined to get answers.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. I DO NOT have any idea regarding these fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As of XX/XX/, this company refuses to correct the errors in my report. I have provided them with the proper documentation as well as identification. This ha gone on long enough. They are in direct violation of Federal statutes against accurate reporting on credit reports.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Fraudulent activity was spotted on the credit card. Reported to the issuing company, chase. They removed the charges to conduct their investigation. Resulted in them saying they believe the charges to be valid based on merchant reporting identifying information that matched along with an ip address match. Subsequent research found my personal information to have been leaked in previous data breaches compromising my personal information. Believed to have suffered from identity theft resulting in the fraudulent charges on the account. Have since filed fraud alerts on XXXX, identity theft report with the ftc, and exploring other avenues of recourse. Chase conducted a secondary investigation but still believes the charges to be valid and not honoring the fraud protection offered on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be DELETED as soon as possible.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be DELETED as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Update the late payment remarks as soon as possible because I was never late in this account!

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Westlake Services, LLC
State: NC

Complaint narrative:
Im paying extra for 3 warranty {$3400.00} and gap insurance {$790.00} which is added in my car note and I cant use the warranty since us auto sales haven't paid XXXX the warranty company so they will not let me file a claim and now us auto sales is closed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX Credit Plus XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To XXXX Equifax and XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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:
To Experian XXXX and XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I had a fraud on my debt card .In which I have spoken to the bank. The first time we spoke they said it looks like a mobile app service used your debt card to buy things ( over {$600.00} ). 
The bank made a fraud claim notice it wasn't me and denied my claim The bank is santander They didn't try to fix the problem. 
They told they denied the claim for insufficient reason. 
That the description didn't mention why or how they stole my information It's fraud who knows Santander is the worst bank

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report. 

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency. 

I demand that you take the following actions within 4 business days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts. 
4. Provide me with written confirmation once the necessary corrections have been made.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act. 

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation. 

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require.

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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:
There are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. I DO NOT have any idea regarding these fraudulent inquiries 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 non-monetary relief