vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: Westlake Services, LLC
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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

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 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED BANKSHARES, INC.
State: WV

Complaint narrative:
Several weeks ago, I subscribed to text alerts through United Bank of WV. The reason for this is I manage an additional property and 2 bank accounts ( they are connected ). At times, I may be too busy to check my statement every day and if low transfer money, so I signed up for the text alerts. Please be aware, I have not had excessive check charges, or low balances in the past few years. Every XXXX I receive a text alert showing my balance. On XXXX XXXXXX/XX/XXXX, several transactions cleared my account, leaving it with a low balance. I did not receive a text alert on XXXX XXXXXX/XX/XXXX at all. If I had of, I would have made an instant transfer to cover the amount. When I checked on my own on XXXX XXXX, I noticed I was overdrawn and immediately made an instant transfer. I called the XXXX branch and the manager, XXXX, told me it was my fault for not checking my balance and the text alerts were often not accurate. I send the bank president an email. No response. My complaints are : 1. Text alerts are offered as a convenience, they should be accurate. They are deceitful to the consumer if they are not accurate. 2. There is no disclaimer on the text alerts page stating the text alerts are not always accurate. 3. If banking practices take place all day, why are the text alerts sent out at XXXX or XXXX XXXX? Once again, deceitful to the consumer. 4. United Bank has a history of bad banking practices, for example, they used to rearrange checks to cause customers to be overdrawn. This was settled in court and the were ordered to stop. I feel like this is another bad banking practice by United Bank of WV and they know they are making money from check charges. Although I plan to open an account at a different bank, I am asking my check charge be refunded and that they add a disclaimer to their alerts page stating they are not accurate. I am not sure if they know the meaning of the term " alert, '' but they do know deceit.

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 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX there were 4 zelle transactions totalling {$1200.00} sent to XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: IN

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. ( XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 non-monetary relief
Consumer complaint received 2023-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Accounts I did not authorize that show closed but not XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT FILE THAT ARE 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 2023-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There is plenty of evidence of what XXXX XXXX did to me. I am being unlawfully harassed and discriminated against. Wells fargo can deny it all they like. There is evidence of how many times i had to travel back and forth to the back. XXXX XXXX purposely put herself at the bank. I had no idea she was at the bank. Wells fargo is still covering for XXXX XXXX and protecting her. I never harassed XXXX or XXXX XXXX they harassed me. I didn't have my new checking account not even a month when it was closed. Because it was a set up yes it was personal. Why my account was set up. I will be talking to the XXXX show about how wells fargo treated me and exposing all their unjust harassment and the unjustly illegal closing of my checking account. I will expose XXXX and XXXX XXXX falsely accusing me of harassing them and how she slandered me at wells fargo causing me to lose my checking account. They want to continue to mess with me. I will expose them on the XXXX  show. 

The person who contacted me again was harassing me as well. Saying she had to verify that I had a different phone number. Well that's not what the other people had to do. She was just harassing me as well. XXXX XXXX had no right to continue to harass me.

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On Wednesday, XX/XX/2023 I tried various times to verify my identity with TransUnion through XXXX in order to have my credit report released to a prospective landlord. TransUnion was unable to verify my identity online and upon calling the TransUnion shareable for rentals line at least 5 times over the course of two days ( encountered a staff member mysteriously going quiet while the call continued for 5 minutes in the middle of verification process, etc. ), they were again unable to verify my identity. When I brought it to their attention that the verification questions continued to show no relation to me they suggested I request my free credit report, which I did. Upon reviewing my credit report, the credit report appeared correct and also showed nothing that would cause the verification questions to present as they did. On Thursday, XX/XX/2023, I called the TransUnion consumer support number as the TransUnion shareable for rentals number could be of no further assistance and was able to pass the verification questionnaire as it finally brought up one question that asked about a family member and was told that my identity had been verified for the rental application. However, when I logged back into XXXX the following day, Thursday, XX/XX/2023, the problem persisted. I then called XXXX and was directed back to TransUnion a final time at which point I brought it to their attention that there was something wrong with their system. In response, I was told that nothing was wrong with their system, rather, I must not be who I claim I am after having failed the verification questionnaire for a ninth 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 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Credit acceptance corporation sold me a car with XXXX XXXX miles on it for an absurd price, because I was ignorant about vehicles in general I signed the papers because I was told that after 6 months that I would be able to get refinanced on the loan, after the 6 months I was told that I would not possibly be able to refinance the loan or turn the vehicle in and that I was basically stuck with the payments.

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 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Covid 19 pandemic started and I received a phone call offering partially differed payments during the pandemic. I thought that they would last the time of the pandemic. it was not made clear to me that they would only last 3 months. After such time I continued with the partial payment when full payments have been needed. Then XX/XX/2020 hit - I missed a full payment. In XXXX I attempted to pay the full balance owed ( missed paymentsXXXX XXXX payments ). I was on the phone with a customer service rep- I waited on the phone until it cleared the banks with her. We had made two separate transactions to be sure that pnc did not confuse the XXXX payment as just paying off the principal. After two weeks of it being withdrawn from my account and it was there in the pnc hands. It was returned. I received no notice that it was returned and the account it was returned too got hit for an XXXX XXXX fee and I no longer had the full amount and they would not accept any less. I waited another month XXXX XXXX as soon as the money hit my account I immediately used XXXX XXXX bill pay to send it to pnc. It was a Thursday and a long XXXX XXXX XXXX  was approaching. My bill was due on the XXXX? I called and told them everything I had done and that XXXX XXXX estimated that it would arrive before the XXXX but I wanted to assure them it was in-fact on the way. I did this with three different customer service reps to be sure it was noted on my account. I was lied to and told I had nothing to worry about. 

My truck was taken on a XXXX XXXX at XXXX no warning, no note or letter from the bank I wasnt even there to see it happen. The bank isnt even open to give the order to repossess nor were they open to process my payment. They were also closed the next day for XXXX XXXX. My check was processed that XXXX XXXX. I received a letter on Thursday that it had been repossessed. Since the police had no knowledge of a repossession in the area happening, the bank claimed to not have taken it and my truck had been taken I had reported it to my insurance company as stolen. I now pay more in insurance due to the bank lying to me about reposession. It took over a week to even find my truck. And the bank finally put me into contact with the right department. I spent nearly XXXX dollars getting a damaged truck back. I continue to pay double insurance premiums due to the bank mis handling my account. I have reported to XXXX  and made complaints with PNC. Pnc has told me they are not at fault. I did everything I could. I feel as though this is not my fault and is on my credit report. Its blocking me from getting a new credit card, refinancing my truck loan, purchasing a house. At the time of repossession my truck was worth more than I payed for it. I believe they were trying to make money off my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
First Investors Servicing Corporation is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. May First  Investors Servicing Corporation provide statements to the consumer reporting agencies and myself showing the corrected mailing address?

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 2023-05-13 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: FL

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX  states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: IN

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove 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 non-monetary relief
Consumer complaint received 2023-05-13 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: IN

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately

Company response to consumer: Closed with non-monetary relief