vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-11-30 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: CA

Complaint narrative:
I recently checked my credit report and noticed accounts reporting that I do not recognize.

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 2024-11-30 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: CA

Complaint narrative:
I recently checked my credit report and noticed accounts reporting that I do not recognize.

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 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a checking account at TD Bank, I made my first deposit through my phone on XX/XX/year>, I also got a monwy transfer from my country of origin of a pension that I receive for having been a police officer for XXXX  years, then, when I wanted to pay different bills, I had problems when using the XXXX XXXX and I could not use that money, because the bank told me that due to internal policies and since it is a new account, for my safety I would have certain limitations when sending the money and that the money from the checking deposit I made would be kept on hold until XX/XX/XXXX. Today XX/XX/XXXX, I personally requested information on the legal basis for the money withholdings and they could not give me a reason, they only told me that it is due to the policy of the same bank and that in any case I would have to wait until XX/XX/XXXX to use my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX. I financed the vehicle through Santander the majority date on the loan is XX/XX/XXXX. But I will still owe a balance. It seems like all the payments were going to the interest and nothing was going towards the principal. I basically still owe what I paid for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CT

Complaint narrative:
It showed up as collection information on my credit report. It mentioned that the debt belonged to me. I contacted the company DRS at XXXX on XX/XX/XXXX at XXXX XXXX  and requested verification and validation of the debt. I informed my full name and file number # XXXX and requested Purchase Agreements signed and Verification of debt. It was denied by the representative from DRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being. 

Unauthorized Debt Collection : XXXX XXXX XXXX  XXXX {$470.00} Unauthorized Debt Collection : XXXX XXXX XXXX {$670.00} Unauthorized Debt Collection : I XXXX XXXX XXXX XXXX {$62.00}

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 2024-11-30 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: CA

Complaint narrative:
I recently checked my credit report and noticed accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've spoken with XXXX representatives and told them to remove EVERY address except my current address. The other addresses are NON-MAILABLE addresses and they are all incorrect. I've asked them to remove ALL phone numbers except my current number. I was told this would be done and it has not been taken care of. I've told them to remove inquiries on my report/s because they were not authorized. I do not approve of or authorize the sharing of my supposed credit history and my personal information. I am going to pursue this legally but this is my second step in seeking remedy. My credit score should be at least a XXXX. Any charge-offs are considered discharged and this is considered income and should not be on my report. I'm building a case. Experian, XXXX, XXXX. They're all on notice. My name is copyrighted, they are infringing on my copyright. They are in dishonor.

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 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, upon reviewing my Credit Report I noticed several inaccuracies .Many unauthorized Inquiries. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

. The status is incorrect for the following account XXXX XXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate. The status is incorrect for the following account XXXX XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.

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 2024-11-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, upon reviewing my Credit Report I noticed several inaccuracies .Many unauthorized Inquiries. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

. The status is incorrect for the following account XXXX XXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate. The status is incorrect for the following account XXXX XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account XXXX Name XXXX XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a Vanilla Gift VISA card in XX/XX/year> in the amount of {$300.00}. The card was unusable. I tried to use it but it was consistently declined. The company that makes the cards, Incomm Financial Services XXXX XXXX XXXX XXXX XXXX  said that the card was defective and that they would replace it in three to five days. That soon became thirty days. Thirty days went by with no new card, no updates or no information. The company 's customer dservoce line ( XXXX ) can only tell me taht I will get an answer in " 24 to 48 hours ''.

I have now heard this three times. 

I can get no update. No explanation, and I am still out {$300.00}. 

I would like my money back and I would like this company to be forced to improve its business practices, since they obviously won't do it on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inquiry on my credit report XXXX inquiry date XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-30 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: NY

Complaint narrative:
Inquiry on my credit report XXXX inquiry date XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wanted to transfer {$280000.00} from my XXXX bank account with XXXX to my JP Morgan Chase account on the XX/XX/XXXX. As far as I understand it was only sent the XX/XX/XXXX, but I can not say for certain. Unfortunately there was a typo in the forelast digit of the bank account number so allegedly the money was sent to a wrong bank account. My sending bank told me to wait for the money to be " rebounced '' by the recipient bank ( Chase ) for a month. That never happened. Nor did it reach my account with Chase. Now Chase says they do not know where the money is, they would not have it. As my sending bank in XXXX claims to not have it either, XXXX of them is lying. Why I think it is Chase : Chase 's answers were ambiguous and contradictory. They would never answer my sending bank 's ( XXXX ) recalls of the claim ( XXXX of them on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) nor give me explicit written confirmation the money was NOT with them, only via telephone. Sometimes due to privacy policy, they could not tell me if there even was this account with the wrong account number, left alone tell me if the money ended up in this account, sometimes they said they never received any recalls from my sending bank. Last but not least, they have now informed me that the money has NEVER reached Chase, that there is and NEVER has been ANY trace of that money whatsoever, via telephone. In written form they have sent an answer so standardised, it does not reflect their spoken statement at all and quite frankly does not make sense. I asked them to give me a more concrete answer in written form, which they affirmed, only to send me the exact same answer again. 

That seems odd since 1. I have a transfer receipt of my sending bank and the little fact that the money is NOT at my disposal neither on my XXXX ( Wise ) nor on my US bank account ( Chase ). 
2. Chase is the " American banking partner '' of XXXX, so even if I would have sent this money to any other US bank institute, it would have been through the channels of Chase. 

So what Chase basically said they failed in contacting themselves and they can not find nor reclaim the money which was evidently sent to them and they must at least have a trace of it, if not as a recipient, than at least as the transmitting banking institute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
Meade Recovery contacted me the day I set up a payment plan I asked for my info of the said debt. Payments were monthly and when I didn't pay the next month they called me about it and I stated that I don't know if you are legit bc I asked for my info of said debt and never got it.. they said they would send it again. I got an email from them about a debt but I am a female and the my sent me a guys info of debt.. don't have a name close to his said he was born in XXXX and I was born in XXXX plus he is XXXX  years or so older than me I still have not received the info I requested about my debt twice now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My accounts are kept on hold by bank for no reason. 
I am unable to access online banking nor to make withdrawal. 

I communicated with bank by phone on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
All they said is to wait for a letter for verification. 
I even visited Citi bank branch in XXXX XXXX on XXXX XXXX, she was also not able to help. 

I never received a letter up until now XXXX XXXX. 

I need to make payments for my daily activities like tuition fee, car lease, and all, and Citi bank is not responding me quick enough to solve this issue. 

I really need a help in order for a bank to release my money so that I can start making nessesary payments. 
Otherwise I have to face surcharge for late payment.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
DNS ASSOCIATEXXXX IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NEVER SECURED BUSINESS WITH DNS ASSOCIATES, I HAVE NO RIGHT TO REPORT ON MY CREDIT REPORT. I MADE MULTIPLE ATTEMPTS DIRECTLY WITH DNS ASSOCIATES, XXXX TO PROVIDE ME DOCUMENTATION BEARING MY SIGNATURE, AND TO-DATE, ALL MY ATTEMPTS HAVE BEEN IGNORED. THIS IS A VIOLATION OF THE FCRA AND MUST BE REMOVED FROM MY 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 explanation