vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: MPOWER Financing, Public Benefit Corporation
State: FL

Complaint narrative:
On XX/XX/2023, Mpower Financing placed a hard inquiry on my XXXX report that led to a drop in my credit score, negatively impacting my overall credit health. I filed an ID theft report with the FTC and formally wrote to Mpower Financing requesting detailed and specific information about what led to the hard inquiry. Even though it received my letter, the company refused to provide the information that I requested. Instead, it sent random emails to me claiming the inquiries were made in error. My credit score has remained same since it dropped as a result of the inquiry, though it sent me an email saying it had removed the hard inquiries. I needed the specifics of what exactly happened to enable me take actionable steps to prevent the recurrence of such fraudulent activities on my credit report. However, Mpower 's deliberate refusal to provide the information, as required by law, is making it practically impossible for me to take further action to secure my financial health.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: KS

Complaint narrative:
First off, this company 's dispute office is incompetent, and gives zero effort towards their cardholders, or their job in general. 

XX/XX/XXXX ordered a {$100.00} hoodie from a website ( XXXX XXXX XXXX ) I saw on a XXXX ad... yep, that's my bad. They advertised fast and free shipping. 

XX/XX/XXXX - XX/XX/XXXX Never received order update saying it was shipped, never received tracking number. Tried 4 different times to contact XXXX XXXX, the only way to contact them is through email, so I did that. Only ever received the same automated generic response that was completely unhelpful. 

XX/XX/XXXX Tried to dispute charge online, couldn't, had to call them and be put on hold at work. Finally got ahold of u.s. bank person to dispute, gave him in depth detail of product, order #, how I never received an item, and that after many attempts, I couldn't get ahold of the merchant, other than an automated email. 

XX/XX/XXXX I got a letter from u.s. bank that included a generic email from the merchant, it didn't say anything about them having issues and apologizing, it didn't include a tracking number, proof they shipped anything, or proof that they canceled the order, it just had my info on it, and the same description of the hoody I first gave to u.s. bank. Got online and I noticed u.s. bank credit card charged me back the full charge of the hoody, I called them asking how, they said I'd have to wait until their dispute investigation office gets ahold of me, meanwhile I reiterated my story to them. I even added how that company just recently went in and changed the order to show canceled 2 months ago. 

XX/XX/XXXX Investigation team finally calls me, rude lady says there's nothing they can do, she claims the merchants rebuttle, that had 0 proof of anything mind you, was good enough. When I told her how silly that was, she changed her story to blame me. She claimed that I needed to have written them a letter that said what I was trying to purchase, apparently the first person who took my dispute only put in hoody, which she claims it needed to be more descriptive. 

They dropped the ball, I lose {$100.00}, U.S. Bank loses a customer, and the scam merchant XXXX XXXX XXXX profits.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-29 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This situation is not only highly embarrassing but also indicates that either you or the company is accountable for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. '' I consistently make timely payments on these accounts, and I earnestly seek your assistance in resolving 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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 I wired money to the Fifth Third Bank on XXXX XXXX XXXX in XXXX Ohio. The beneficiary was XXXX or XXXX for a purchase of a house. They have held the funds without giving me the concrete information or even returning the money Im going to give the bank 10 more days before the case goes to court. I have waited more than two months to receive my money. They need to release my funds. Its causing a hardship for me. I need my money and its very hectic for me here trying to make my bills. The money transfer wire was for {$50000.00} and I want my money back please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on 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 2024-01-29 00:00:00
Product: Credit 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: VA

Complaint narrative:
On XX/XX/2023 I discovered my United Chase credit card was missing. Upon contacting Chase I learned that transactions were attempted to include {$15000.00} for a XXXX  watch at XXXX ( Jewelers ) followed by {$6000.00} at XXXX XXXX. I also filed a police report. Despite the uncharacteristically large size and content of this purchase Chase accepted the first transaction at XXXX ( while declining the second at XXXX XXXX ). Chase subsequently conducted a series of investigations in which they claimed to have found compelling evidence I participated in the transaction ( without explaining how ). This opinion contradicts others which were revealed to Chase over the last few months including those of XXXX 's store director, who attested she observed video which revealed the purchaser to be a ( different ) individual who had defrauded multiple XXXX locations along with the police detective assigned to my case ( whom Chase declined to reach out to ) attesting to the veracity of my claim and absolved me from involvement. As things stand almost XXXX months after the occurrence Chase steadfastly refuses to label the occurrence as fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I have made quite a few phone calls to this company in regards to the unapplied account - an account used to hold money. They claim that full payment must be made- {$670.00} per month is the normal mortgage payment by the due date of the XXXX of each month. Since I filed last file XX/XX/23 and that was closed it seems that they never right sided the account. Payments of {$680.00} go to them and are recorded on the XXXX of every month if not before, followed by weekly payments of {$50.00} that, like all monies in excess, are to go to the principle of the mortgage. The paperwork for the money paid from my bank and statements will be included.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, I noticed a large check ( {$27000.00} ) had cleared that day through my bank, XXXX XXXX XXXX. When I clicked on the check, I did not recognize the recipient or the address. Then I noticed the font was changed. I immediately realized this check was changed and forged and deposited into a Wells Fargo bank in Pennsylvania. No account number was written on the back of the check. 
Realizing this check was deposited less than 24 hours prior, I emailed my Personal Business Banker at XXXX and called their Fraud Department to report this. The Fraud Department told me I needed to complete several pages of paperwork, which they will mail to me. 
I completed it all and immediately faxed it back to XXXX. I felt that valuable time was lost. I feel this would have been quickly settled had they only contacted Wells Fargo the day the check cleared in my account. At least they could have warned Wells Fargo that an inquiry was being made. 
As of today, Wells Fargo has not answered the 2 attempts that XXXX made in contacting them regarding this claim. 
My company is too small to just let {$27000.00} get stolen when I check my account on a daily basis for fraud and theft. 
I filed a complaint on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo contacted XXXX and asked for information the same information that XXXX originally sent to Well Fargo. XXXX responded to this request on XX/XX/XXXX and sent them everything they requested. 
Wells Fargo followed up with 2 letters to me. These letters contain a phone number that does not work and the name XXXX XXXX When I get through to Wells Fargo on another phone number, no one has any idea who this XXXX XXXX is and needs a last name. 
Please help. How can a bank be so corrupt? 
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 2024-01-29 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: IN

Complaint narrative:
im Writing t consumer reporting agencies ( Transunion XXXX, XXXX ) of a formal complaint against XXXX XXXX XXXX  I've included the Cfpb case number XXXX and a copy of my opt out letter I am writing to file a formal complaint against XXXX  XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/2024, I notified XXXX XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe thaXXXX XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX 
Please feel free to contact me at if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

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 2024-01-29 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: IN

Complaint narrative:
im Writing t consumer reporting agencies ( XXXX Experian, XXXX ) of a formal complaint against XXXX XXXX XXXX  I've included the Cfpb case number XXXX and a copy of my opt out letter I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/2024, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 XXXX and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX 
Please feel free to contact me at if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

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 2024-01-29 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: VA

Complaint narrative:
Starting on XX/XX/XXXX I sent dispute letters to the 3 bureaus ( XXXX, Equifax and XXXX ) disputing the late payment on the Closed account with XXXX XXXX 

Payments status reflects CURRENT on Equifax and also on XXXX but on XXXX it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: VA

Complaint narrative:
Starting on XX/XX/XXXX I sent dispute letters to the XXXX bureaus ( Experian, XXXX and XXXX ) disputing the late payment on the Closed account with XXXX XXXX 

Payments status reflects CURRENT on XXXX and also on XXXX but on EXPERIAN it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.

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 2024-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I realized I had not received the title for my XXXX XXXX XXXX recently when I thought about selling it, the lein was paid off in XX/XX/XXXX. I reached out to Santander on XX/XX/XXXX, who was the financing company I made the payments to inquiring why I hadn't received my title. They informed me it had already been released that I just needed to go the the DMV and ask for my title. On Monday, XX/XX/XXXX, I went to the DMV who then informed me that there was still a lein on the vehicle and that I needed to contact the financing company that had the lein. I contact Santander on XX/XX/XXXX again and informed them of what the DMV had advised, they said it was an error on the DMV part, that they would however, email me the release of lein in 72 hours and that I would receive a paper version in 5 to 7 business day. As I hadn't received anything via email, I contacted the DMV again today XX/XX/XXXX, to check on the lein and advised them that I was told it was an error on their behalf as to my vehicle still having a lein. The DMV then informed that it was not an error on their behalf, a paper copy of the title had actually been mailed to the finance company in XXXX, and should have been mailed to me when I paid off the vehicle. I then contacted Santander again and was told again that they would email me a release of lein letter in 48 hours and mail me the same letter to be received in 3 business days. I feel I am getting the runaround as they continue to give blame to the DMV and just keep extending the days for when I am going to receive the release of lein letter either by email or mail. I have yet to receive that. As for the paper copy of the title the DMV mailed them, they just said they did not mail out paper titles, everything was done electronically via the DMV or they mailed a release of lein letter. Neither has happened in my case, again this was on a vehicle paid off in XXXX, it should not be taking these many calls to get my title to my vehicle or the release of lein. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CT

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of XXXX  and XXXX.

Company response to consumer: Closed with explanation