vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: GA

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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
Company continues to call repeatedly. I have requested many times to stop the calls

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 2023-08-15 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: MD

Complaint narrative:
To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act.

The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report.

1. I was NEVER late paying this account for this was PAID as AGREED and how come that you have reported past due account to a Collection/ Charge off XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable

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 2023-08-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-15 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: OH

Complaint narrative:
THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXXXXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX I purchased my vehicle in XXXX of last year. I had a car by American car center and realized my contract was different I stop paying the car note. Now my vehicle got repossessed by Westlake portfolio I want to call the credit bureau to get my credit removed of the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My wallet was stolen on Saturday XX/XX/13. The theif had my ID and debit card and made an illegal withdrawl at my bank at XXXX hours. They went to a teller at Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The teller gave them XXXX XXXX  from my checking account. There were internal safeguards that were supposed to alert Chase Bank if someone took over XXXXXXXX XXXX out of an account. None of those notifications worked. Chances are, the theif looks nothing like me and they did not check the ID picture carefully. The signature did not match at all. How did the theif get my bank account number or pin? Was this an inside job from this branch or another one? I have gotten know answers so far. 
The bank is working on reimbursing me. Meanwhile, this has cost me time, money, and frustration. There is a police investigation that is going nowhere. Had Chase caught this, we could have caught the criminal and returned all my wallet. Also, Chase would not close my accounts for a day and a half becuase they did not have a photo-ID of me. This opened my accounts up to further fradulent withdrawls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: GA

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 Account Number : XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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:
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 XXXX XXXX XXXX XXXX XXXX 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 an 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
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX  I attempted to open an online CD with Citizen 's Access. I lost the online connection so I assumed the transaction did not go through. I repeated the process and was able to complete the transfer successfully. I did not realize that both transactions were processed and Citizens opened two CDs each in the amount of {$6000.00}. for a total of {$12000.00}. The money was transferred from my account at XXXX XXXX XXXX XXXXk and caused me to be overdrawn. On XX/XX/XXXX  when I checked my bank balance and realized that I was overdrawn, I called Citizens. They said that they would reverse the transfer and close one of the CDs, acknowledging that it was a mistake. At that time, they gave me a case # XXXX and told me that one CD would be cancelled without a penalty. I have called on three other occasions since then because they have yet to close the CD and transfer the money back to my account at XXXX XXXX XXXX XXXX. They informed me that my request was denied and that I would have to pay an early withdrawal penalty fee of {$72.00}. Meanwhile, I can not pay my bills because I'm overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This regards PNC banking. 

On XX/XX/2023, I submitted a {$8400.00} withdrawal request from my child 's XXXX ( XXXX XXXX XXXX ). Conversations with XXXX XXXX XXXX on XX/XX/XXXX indicated that the transfer to PNC was confirmed on XX/XX/2023. 

To date ( XX/XX/2023 ), the funds do not show as PENDING or present in the PNC account. 

On the evening of XX/XX/2023, I also contacted PNC. Recordings will indicate I was polite and direct at all times. The first PNC representative did not seem to understand what a XXXX transfer was. The second PNC representative pretended that she could not hear me, and disconnected. 

I called back. The PNC representative suggested that I check on the projected transfer time. My understanding is that it is three days. 

I would like to know where my {$8400.00} is ( more directly, PNC needs to deposit it into my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: SC

Complaint narrative:
This account XXXX XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute with the Consumer Financial Protection Bureau regarding a series of violations I have encountered under the Fair Credit Reporting Act ( FCRA ). These violations pertain to unauthorized inquiries, inaccurately reported accounts, and the overall integrity of my credit report. 

As a law-abiding citizen, I take my financial responsibilities seriously and strive to maintain a good credit standing. Unfortunately, the recent incidents involving unauthorized inquiries and unverified accounts have deeply impacted my financial stability and emotional well-being. 

The unauthorized inquiry by XXXX on XX/XX/XXXX, as well as the unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, have caused significant distress. I have no recollection of authorizing these credit pulls, which raises concerns about the security of my personal information and the respect for my consent. 

Moreover, I have discovered several inaccuracies and questionable accounts on my credit report, including the following : XXXX XXXX  - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX These accounts are either unrecognizable to me or have unclear information associated with them. The lack of accurate reporting has not only damaged my creditworthiness but also caused unwarranted stress and frustration. I firmly believe that these violations not only undermine my financial stability but also violate my rights as a consumer. 

[ Share your personal story here. Describe how the unauthorized inquiries and inaccurate accounts have impacted your life emotionally, financially, and potentially even socially. Be specific and share details to create an emotional connection. ] Given these violations, I kindly request the Consumer Financial Protection Bureau to enforce the legal protections afforded to me under the Fair Credit Reporting Act. I am seeking a resolution that ensures the removal of these unauthorized inquiries and unverified accounts from my credit report. 

I implore you to take swift and decisive action in this matter to rectify the violations and restore the integrity of my credit report. I am committed to responsible financial behavior and deserve the peace of mind that comes with accurate and truthful credit reporting. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will act in the best interest of consumers and uphold the principles of fairness and justice. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit report with Equifax has been blank and they keep saying it will refresh but it never has. I called again and was told someone will email me still no email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX unauthorized funds were transfered from acct ending in XXXX and withdrawn from my checking acct ending in XXXX and funds sent to XXXX XXXX XXXX XXXX XXXX I was on the phone with the fraud dept moments after the XXXX rep called me from Utah and went into my account. They had me download an app and told me to hold. I started seeing the transactions on my phone and reported it to the bank also. I was advised to go to my cell phone provider and have the phone scrubbed.Meanwhile TD suspended my accounts and online banking.I 've made 4 claims which were denied due to IP address being the same for 90 days but TD never sent any correspondence on this. I keep calling the bank myself checking on the claim and they keep saying its been denied.i verified my current mailing address, so no excuse on mailings.Also XXXX and XXXX have since refunded my monies and denied charging me for goods.I am diabled and went into the branch several times to submit claims also.I was advised that the investigation was not started correctly, no claims were being sent to XXXX tech.There was a claim put in today with XXXX tech again and i am physically going to the bank to submits docs to be faxed to XXXX which is the dispute dept. IF the bank is FDIC why wouldn't they do an invesigation besides stating the IP address is the same for 90 days, i had the same acct number for years, shouldn't it be? I get my fixed income deposits monthly and never have I had to change anything but debit cards for fraudulent activity. XXXX tech told me today the rep who filed the last claim had he wrong account #, how? I verify everything on the phone and have a copy of a claim from the bank. Who deals with the consequence of the bank 's staff error? I want my money refunded back into my account. Again i am XXXX and why would give my money to someone XXXX dont know but unfortunately I was scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief