vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-11 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I was recommended by my bank ( Santander ) to open a XXXX account with XXXX XXXX, who it affiliated with Santander Bank. I met XXXX XXXX on or about XX/XX/2022, at which time I informed him that my business was not ready to accept the services, however, he continues to call with the help of Santander Banker. We met again on or about XXXX XXXX at the bank and he asked me for my information, and again I told him that I was not ready to open such an account. He guaranteed me that he would only take the information but will not activate the account until I was ready to do so. 
Although, I did not give him permission to activate the account, he did so at his own accord with XXXX XXXX. Funds were immediately debited from my account starting XX/XX/2022, up until XXXX XXXX. 
Santander Bank closed my account without any notification and referred my business to a collection agency. I am requesting to have my business reinstated back in good standing. 
I was informed that XXXX XXXX 's affiliation with bank was terminated.

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 2023-08-11 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: TX

Complaint narrative:
On XX/XX/2023 someone tried to open a credit card account fraudulently with XXXX XXXX. A hard inquiry was made through Equifax. Since that time I have tried to get the hard inquiry removed from my Equifax Report. I have sent them every piece of information they have requested. 
Each time I have been told on the phone that the inquiry has been removed and I will be receiving written confirmation. I receive a confirmation that the " disputed inquiry has been deleted '' only to check later myself and find that the hard inquiry still exists. 

Today, XX/XX/2023, I again called to check with an Equifax rep and was told that I needed to submit various pieces of documentation to verify my identity and to verify that the fraud has been reported to police, FTC, etc. Everything was submitted back at the beginning of the process. The rep again assured me that the inquiry would be removed but that they needed to contact the lender, etc. I have already sent a copy of a letter from the lender telling me that they had notified Equifax to change the hard inquiry dated XX/XX/2023 to a non-display inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
XXXX - called letting them know I have no knowledge of these accounts and they didnt do anything. {$600.00} & {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX charge me {$300.00} on my account now when I call XXXX XXXX XXXX they say they don't have no record of this but on my account it shows that they took out {$300.00} and my chime account that I have is not taking this into consideration that they don't have no info about just {$300.00} but they gave it to them without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed numerous disputes with the 3 credit bureaus ( Transunion, XXXX, and XXXX ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed numerous disputes with the 3 credit bureaus ( XXXX, Equifax, and XXXX ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed numerous disputes with the XXXX credit bureaus ( XXXX, XXXX, and Experian ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
Incorrect information collection needs to be removed. They removed it from XXXX  but not 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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I did not open nor charge any purchases onto the Destiny credit card. I have tried to reach out to the company without any response. Any assistance with this being removed would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-11 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: CITIBANK, N.A.
State: AR

Complaint narrative:
After checking my credit report I found an account listed from Macys/Citibank , N, A # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-08-11 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:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022

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 2023-08-11 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:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Summary of Complaint : Fifth Third Bank changed the status of two of my business checking accounts from " Basic '' to " Premium '' and " Elite '' without any communication to me at any time. This occurred the month after a change in checking account fee structure and minimum funds was announced. Fees for below minimum funds have totaled {$1000.00}, and Fifth Third has refunded {$320.00} so far, but say they do not refund any more to customers. The resolution I seek is refunding of the {$720.00} balance to me. 


I have spoken with bank representatives four times regarding this complaint, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in XXXX. 


The two business checking accounts are : " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX In XXXX and XXXX, I opened these accounts as " Business Basics Checking '', with no service charges for minimum balances. 


On the XX/XX/XXXX bank statements, there was fine print at bottom with a general statement, " Some of our fees are changing ... '' with no other specific information. 


The following month, XX/XX/XXXX statements show account XXXX was inexplicably changed to " Business Elite Checking '', and XXXX changed to " Business Premium Checking ''. No service fees were charged that month, and no communication was provided in explanation of any new fee structure. 


I did not request these accounts to be elevated to " XXXX '' or " XXXX '' levels, never received notification of these changes, and have never used any of the additional services available to these levels. 


However, it turned out that " Elite '' and " Premium '' accounts had minimum balance service charges. " Basics '' does not. 


Since then, fees for below minimum balances have been charged and money removed from my accounts whenever balances fell below the minimums set by the " Elite '' and " Premium '' policies. Through XX/XX/XXXX, a total of {$550.00} was taken from XXXX, and {$500.00} taken from XXXX. No fees would have been charged if the accounts were left at " Basic '' levels. 


After talking with bank representatives, the bank tried to remedy the situation by reversing service charges of {$75.00} on XX/XX/XXXX, and {$250.00} on XX/XX/XXXX. This leaves {$720.00} of money remaining to be returned to me. 


The bank says no further service charges can be refunded because " {$250.00} is the most we've refunded to other customers in the past ''. 


My uploaded documents show the bank statements where my checking account status was raised without permission or communication from Fifth Third Bank, and spreadsheet of minimum balance service fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: MARINER FINANCE, LLC
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
in accordance with the fair credit reporting act this creditor capital one auto finance has violated my rights. Under 15usc1681 section 602 state I have a right to privacy 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b a creditor May not treat a payment on a credit card account under an open and a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: DE

Complaint narrative:
I have made several attempts to get Transunion to investigate several inaccuracies that have not be verified with proof on my consumer report. After the last disputes I made Transunion finally deleted only 3 accounts from my consumer report. I will like further investigation to be done for all disputed items and I will also like remedy in the amount of $ XXXX deleted from report on XXXX due to emotional, mental, and financial hardships this inaccurate reporting has caused 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 2023-08-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX Acct # XXXX on XX/XX/23 & XX/XX/23 violated my rights according to 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. Creditor sent a letter to rectify this.

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