vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the below accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : 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 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/year> a credit report was pulled by a Chase Mortgage representative without my knowing and or authorization. I went in to the Chase bank near where I live and filed a complaint but was told not to worry because they did not believe a report was pulled. A couple days later I found out the report was then mail to an address that is not in my file. On or around XX/XX/year> I spoke with one other Chase Mortgages mangers. I told her what happened, provided the name of the representative that did the report hard pull and that I wanted the inquiry pulled. The Manger said that an investigation would need to be done before the pull could be completed. She said she would call back on the coming XXXX XXXX came an went and she never called. I it now XXXX XX/XX/year>. I have called numerous time for an update on the investigation and to ensure the inquiry is pulled. But I keep getting told that there needs to be an investigation. When I ask to have the matter escalated, the called gets disconnected on their end. 
All I want to have the inquiry pulled and know the results of the investigation. There is no reason why this should have happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I refinanced my vehicle from Bridgecrest in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. Bridgecrest later reported my final Payment as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I used XXXX XXXX XXXX to book a hotel reservation at The XXXX at XXXX for the dates : XX/XX/XXXX. - XX/XX/XXXX. I click pay after I screenshot the dates. Item XXXX in the uploaded attachment showed up when I clicked to pay. 
On XX/XX/XXXX. I saw an email from XXXX. The email showed a confirmed reservation {$2200.00} on XX/XX/XXXX. - XX/XX/XXXX. 
{$1400.00} - XXXX nights ( {$370.00} per night ) {$610.00} - Taxes and fees {$130.00} - Hotel Booking Protection On XX/XX/XXXX, I contacted XXXX to tell them I received reservations for the wrong dates. and XXXX refused to cancel my reservations. XXXX deliberately held the reservation until XX/XX/XXXX. XXXX tells me that I have to pay for a new reservation for the correct dates and then they will refund me my {$2200.00}. I express that I am not comfortable paying them again, I do not want to risk more money. Then XXXX tells me The XXXX at XXXX is sold out on XX/XX/XXXX. - XX/XX/XXXX. 
XXXX refused to send me a refund. 

I filled a claim with the Hotel Booking Protection I purchased through XXXX { XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX denied the claim. 

As of XX/XX/XXXX The XXXX at XXXX has not received any funds from XXXX. 

XXXX American Express removed the charge for {$2200.00}, then days later American Express put the charge of {$2200.00} back on my American Express account. 
I sent all this information to American Express, and it was explained to me that XXXX is XXXX of their biggest clients and I, XXXX XXXX was not. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX I ALSO NOTICED A SLEW OF CREDIT INQUIRIES THAT I HAVE NOT AUTHORIZED. IT APPEARS THAT SOMEONE HAS ATTEMPTED TO ACCESS A AUTO LOAN IN MY NAME. I HAVE NOT AUTHORIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND MORE TO REPORT TO MY PROFILE

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Request for Re-Investigation of Credit Report Discrepancies I am writing to formally dispute the accuracy of certain items that remain on my credit report despite a prior investigation. I request that these items be re-investigated immediately, as their inaccuracies are significantly detrimental to my XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, kindly furnish the names and business addresses of the individuals who verified the disputed information. This information will enable me to communicate directly with them. If you are unable to provide business addresses and contact information for these individuals, please remove or update the account accordingly Additionally, please send me an updated copy of my credit report upon completion of your investigation. 

In order to avoid any delays in processing and in the interest of transparency I have add my government photo ID, Proof of address, and social security card to verify my identity. 

Thank you for your prompt attention to this matter.

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an account with Truist bank. My colleague and friend XXXX transaction to me a total of {$2200.00} split in two transactions. One for {$1000.00} and one for {$1200.00}. Truist fraud department froze my account for " suspicious zelle activity ''. I called the fraud dept and explained the situation. My colleague and friend, called the fraud dept and explained the situation. Truist refuses to disperse the funds into my account to withdrawal. 
I was receiving this money for my rent. I now face eviction and homelessness due to truist continuing to hold my money. There is zero fraud happening. XXXX refuses to explain why they are continuing to hold the money and have given zero information on what to do at this point. They froze my account because my friend sent me two XXXX transactions. How is this right? I need representation to fight this as I am now going to lose my home.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED A SLEW OF CREDIT INQUIRIES THAT I HAVE NOT AUTHORIZED. IT APPEARS THAT SOMEONE HAS ATTEMPTED TO ACCESS A AUTO LOAN IN MY NAME. I HAVE NOT AUTHORIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  AND MORE TO REPORT TO MY PROFILE

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED A SLEW OF CREDIT INQUIRIES THAT I HAVE NOT AUTHORIZED. IT APPEARS THAT SOMEONE HAS ATTEMPTED TO ACCESS A AUTO LOAN IN MY NAME. I HAVE NOT AUTHORIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND MORE TO REPORT TO MY PROFILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Request for Re-Investigation of Credit Report Discrepancies I am writing to formally dispute the accuracy of certain items that remain on my credit report despite a prior investigation. I request that these items be re-investigated immediately, as their inaccuracies are significantly detrimental to my XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Per the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, kindly furnish the names and business addresses of the individuals who verified the disputed information. This information will enable me to communicate directly with them. If you are unable to provide business addresses and contact information for these individuals, please remove or update the account accordingly Additionally, please send me an updated copy of my credit report upon completion of your investigation. 

In order to avoid any delays in processing and in the interest of transparency I have add my government photo ID, Proof of address, and social security card to verify my identity. 

Thank you for your prompt attention to this matter.

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 2024-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX - XXXX XXXXThis Cfpb complaint has been filed to request pursuant to Fcra 605B 15 usc 1681 1c-2 that you the transunion credit reporting agency, block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards acconts open at XXXX XXXX  acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accts have resulted in chargeoffs appearing on my consumer Fico credit report the aforementioned accts chargeoffs appearing on my consumer credit reports maintained by you were not opened made or initated by me. All of the chargeoffs are the result of identity theft and fraud i have attached a copy of Ftc identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts chargeoff are the result of identity theft and fraud.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My complaint is about Experian. I need to lift a freeze I placed on my credit. I have been able to lift that freeze at XXXX and XXXX. But at Experian I can not even log in to my account. I am unable to reset my password due to glitches in their electronic system. I am unable to reach a human through any of the telephone numbers Experian publishes. I have tried every option in those automated systems and can never connect with a human. As a consequence, I can not unfreeze my credit and am therefore unable to qualify for a mortgage.

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 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I bought a battery for my truck on XX/XX/year> for the amount of {$260.00}. After the auto store checking out the old battery, they realized it was still under warranty. So the auto store issued a full refund in the amount of {$260.00}, on the same XX/XX/year> date. The transaction didnt refund so I disputed it with Apple Card Goldman Sachs Bank XXXX They accepted my dispute and sent a provisional credit of {$260.00}. However they applied that toward my total balance instead of my available credit. Had I used a debit card to make the same purchase, and I disputed it, they would have issued a provisional credit to my account and the funds would be there available for me to use. I chatted with XXXX, a Goldman Sachs representative, regarding this issue and she said it was normal protocol. I told her I found that unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
NOTICE OF DISPUTE XX/XX/year> Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX DEMAND FOR LAWFUL VERIFICATION UNDER OATH OR SWORN STATEMENT NOTICE to XXXX & XXXX XXXX XXXX XXXX I am a consumer a natural living person pursuant to 15 USC 1692a ( 3 ) writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( 4 ). I hereby dispute the origin of the funding loan or credit and the amount of the alleged debt you are claiming I owe. Pursuant to 15 U.S.C. 1692g ( b ), I request that you cease all collection activities until you provide lawful verification of the debt. This verification must be under oath or in the form of a sworn and notarized statement from an individual with first-hand, competent knowledge of the alleged debt.

Any documentation provided to me in response to this notice must meet the aforementioned criteria. Failure to provide lawful verification will render any documents as unverified, insufficient evidence, and hearsay, lacking substantial merit.

According to 15 U.S.C. 1692g ( a ) ( 4 ), within five days after your initial communication with me, you are required to send a written notice containing : - A statement that if I notify you in writing within 30 days that the debt, or any portion thereof, is disputed, you will obtain verification of the debt or a copy of a judgment against me, and a copy of such verification or judgment will be mailed to me.

I am demanding that Santander Consumer USA and its representatives cease all collection efforts and immediately remove or delete the tradeline from my consumer report, credit file, and my credit report with any and all credit reporting agencies until you obtain lawful verification.

Additionally, I am aware of Santander Consumer USA 's settlement with the Consumer Financial Protection Bureau regarding credit reporting violations related to auto loans, which included systemic errors potentially impacting consumers ' credit scores and access to credit. The consent order requires Santander to take steps to prevent future violations and imposes a {>= $1,000,000} civil money penalty. Your continued noncompliance has caused me significant financial hardship and emotional distress.

Failure to comply with federal laws will lead me to believe that you may be committing fraud, extortion, and engaging in illegal, deceptive, and abusive debt collection practices, which is a violation of 15 U.S.C. 1692k ( a ) ( 1 ).

Please acknowledge receipt of this notice and provide the requested lawful verification within the statutory time frame. 
Sincerely, B

Company response to consumer: Closed with explanation