vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third-party. 
I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation. 
Thank you for your assistance. 

Sincerely, 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b

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 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Revolut Technologies Inc.
State: NV

Complaint narrative:
Hello, I attempted to sign up with revolut.com. They provide a way to transfer money from my XXXX XXXX  to a foreign bank as well as convert the currency at far better rates than bank to bank transfers. I use a similar service from their biggest competitor XXXX which I had no problem signing up with. 

Upon completing the Revolut sign up, I was granted an account and within 1 minute my account was blocked and deleted. Revolute sent a templated email stating my account was denied and banned, no reason disclosed.

I contacted their customer support for details on why I was denied as well as whom I could contact to rectify the situation? Was their something amiss when I setup such as my address, my name, my SSN? 

Customer support stated that they will not provide the information as to why I was and will remain permanently denied. I counted that they must use a service or something such as XXXX or XXXX, XXXX and the like to determine why I was denied at Revolut but not with their main competitor XXXX? 

Revolut responded with the decision is final.

Thank you Revolut customer support email below : XXXX XXXX, thank you for your reply. 

I regret to inform you that we are no longer able to offer you our services and that your Revolut account has been deactivated- meaning you will not be able to open a new one in the future as well. I am sorry that this is the case, but under certain circumstances, we have to make these difficult decisions. As a financial services institution, Revolut conducts checks to ensure customers privacy and account safety. Sometimes, this means we have to close an account, which we reserve th
e right to do so as part of our Terms and Policies.

Thank you very much for your understanding. 

Kind regards, XXXX XXXX  Customer Support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I leased a vehicle ( XXXX XXXX ) through XXXX XXXX from XX/XX/XXXX - XXXX. In XX/XX/XXXX, I traded the vehicle to a dealership. I submitted all the required paperwork and turned the vehicle ownership to the XXXX XXXX ( XXXX, FL ) car dealership who ultimately paid off the vehicle. Due to the numerous, lengthy issues between XXXX XXXX and the XXXX XXXX car dealership, there was a missed payment in XX/XX/XXXX. I was completely unaware of this issue, and as far as I knew, the vehicle was paid off, according to XXXX XXXX. It wasn't until several months later I received a notice from XXXX XXXX stating that I was late on a payment. I voiced my concern to the finance company ; however, they dismissed everything I had to say and notified the reporting agencies that I missed a payment. 
Further investigation revealed that XXXX XXXX XXXX did send payment to the finance company. Still, they refused to accept the payment and sent the check back to the dealership via mail, hence the time delay before I was notified. After the dealership received the notice that XXXX refused payment, I was contacted and attempted to remedy the situation with XXXX. Still, they refused to hear me out and marked my credit account " XXXX days past due '' to all three credit bureaus. I took extreme care of my credit and was never late on any payment for the entire time I leased the vehicle. Despite my diligence to make sure XXXX receives timely payments, they refused to work with me on the issue. After the issue was brought to my attention, I worked with the dealership, and XXXX ultimately received the money to pay off the vehicle. I do not agree with the XXXX days past due mark on my credit report because XXXX received payment promptly. Still, they refused to accept the payment, causing a significant delay before I or the dealership knew the issue. XXXX has received their payment, the vehicle is paid off, and I want the negative mark removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was the victim of a scam involving ticket resale via XXXX. When I noticed something was wrong and attempted to get the money back, the individual disappeared and blocked me. Upon attempting to track down the individual, it appeared this person had stolen another persons identity, along with other individuals, to con people attempting to buy XXXX XXXX tickets. I immediately contacted my bank ( PNC ) to attempt to stop the transaction and they said they couldnt stop the transaction even though it had not posted. They told me I had to wait for the transaction to post to take action. As soon as the transaction posted ( XX/XX/XXXX ), I reached out to PNC Bank to report the scam and ask for the charge to be rejected, and in less than XXXX hours, according to my denial letter, they said the transfer was valid and processed as instructed. 

I received no concert tickets for the money I paid. The individual promised a refund if I changed my mind and when I attempted to get my money back they disappeared. PNC Bank offered absolutely XXXX protection under Regulation E and clearly made no effort to investigate the claim. PNC Bank put me in a position where despite actively attempting to stop a debit charge prior to the payment posting ; I was forced to lose the money with no remedy. 

XXXX payments are instant only if the person receiving the money is actively enrolled, and it took almost XXXX hours for the funds to post, so the individual did not have an active account when the money was initially sent. Pending payments can be cancelled by the bank in which the money is being sent from. PNC Bank chose NOT to cancel the payment, which resulted in the loss of {$600.00} and a violation of my rights as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
This company stated they was going to remove my account from my credit report. This account is still on my XXXX and it's been over XXXX days and i disputed and instead of removing they updated it once again. Once again this account needs to be removed from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a debt collection report the original creditor is XXXX cable. They are alleging it is for an early termination fee on a closed account however I signed up online for a NON CONTRACT plan using my debit card on their website. The equipment was mailed to my door no paperwork was ever signed. I did not electronically sign any contracts on their website when I signed up either. I reported the same exact dispute to all 3 credit bureaus and XXXX deleted the item off of my credit report because there is no record of any contract however Experian refuses to delete the item from their report despite the lack of evidence for their decision.

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 2023-06-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/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 2023-06-10 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: GA

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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.

# 1 Account name : 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 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 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 XXXXXXXX 5 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 XXXX 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.

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 2023-06-10 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Ok so My money has been stuck in look with Bank Of America for 3 years. An amount for XXXX XXXX in my checking an and another XXXXXXXX XXXX in my saving. I had been looking for other banks and thought Bank of America would be a could place to store money but XXXX days later they closed both my accounts Im not sure if one of the associates did something with my account but I went in to get a new card and she set me down to discuss about opening and advanced business saving account which I did. Then 2 days later I get a later saying my account being closed and saying my money will be sent in the mail. But after countless months I am still getting the run around for the check. I had a chance to speak with a higher up to see what was going on and they told me they were still investigating funds after 3 years which is insane even do to the fact I can just go to the bank and verify all information needed like Ive insisted on doing. Also I was told the last time my account was closed for overdrafts fees so I know theres something not being done right on there end

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 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My Chase bank accounts Checking and Savings is being close by XX/XX/2023 because of unexpected activity. I have not done anything out of the ordinary with my Chase accounts to warrant it being closed, I use my account regularly and do not engage in illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-06-10 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: CT

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. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with explanation