vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: AL

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

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 2023-04-28 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: AL

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX  Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
This account XXXX XXXX XXXX XXXX XXXX has violated my rights and section 15 USC 166B

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 2023-04-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This inquiry does nothing for you, but hurts my credit. Please supply a copy of my request for credit. Please have the name, date, and what was applied for and send to me as you are required if I dispute the information. 

I have several ongoing complaints that have not been resolved concerning the same issues. Not one creditor has supplied me with the information required. Due to the time and lack of information all should be deleted from credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
So every since I got my car with the bank Santander consumers theyve been charging my card and taking my money and then not applying it to my bill so then my bill is XXXX something dollars on top of that Im paying almost {$700.00} for a car thats having issues already. They are aware of them double charging me and they refused to refund me. So then they told me theyd just apply the money they took out my account to my future bills and now they are saying they lost the payment and that I had to pay XXXX dollars when they are already taking money out of my account, they say my bank reversed it but my bank did not reverse it. They even got on the phone with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquires below I don't recognize and are fraudulent XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 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 2023-04-28 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: NY

Complaint narrative:
These inquires below I don't recognize and are fraudulent XXXXXXXX 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 explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
This account has been satisfied and no additional payments are required on these student loans.

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 2023-04-28 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

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 2023-04-28 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: HI

Complaint narrative:
Action Status : 1. The Branch Manager at USbank XXXX XXXX  XXXX has stated that he has also reported this case to the authorities in his bank as well and the fraudulent person 's account has been flagged. 
XXXX. The case has been assigned to Detectives in XXXX and XXXX XXXX. 
3. The case has been reported to the originating bank, Central Pacific Bank in XXXX. I have a contract with a construction contract called DISTINGUISHED DEVELOPMENT in XXXX XXXX. I provided a payment to this company through checks written on Central Pacific Bank for {$6200.00} and {$1500.00}. A fraudulent person, Case : XXXX XXXX, intercepted the checks and created a company called DISTINGUISH DEVELOPMENT as well as a bank account at USbank with that name. He was able deposit those checks into his own bank account, hence stealing the funds. The bank did not properly check the name on the check to see that it was different and allowed the transaction! The entire purpose of a trusted bank in this function is to check to see that the payee and the payable match! I would like my funds to be returned to me from USbank.

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 2023-04-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am disputing a charge on my American Express card for the amount of {$3100.00}. I was told if I could prove that I tried to contact the company to let them know I was unsatisfied that they would refund the amount. They keep claiming that because I signed a paper that said the work was completed that they are siding with the company even though I explained that they lied to me about the purpose of the paperwork and it was only for a prototype and the completed work has still not been done. XXXX XXXX  is the company I am disputing against. They haven't even completed the terms and agreements on the website they were suppose to complete and they have the pictures on the website as boxing and I was told that was just a sample because they were suppose to build the website for self defense products and they never changed the pictures from boxing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
This account XXXX XXXX XXXX XXXX XXXX has violated my rights and section 15 USC 166B

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 2023-04-28 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: NY

Complaint narrative:
This account XXXX XXXX XXXX XXXX XXXX has violated my rights and section 15 USC 166B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/23, i notice this morning i was missing XXXX in maintance fees. I call Boa four times. All four times i was either hung up on or lie to. 
Long story short, i was told that i gad to have ONE DIRECT DEPOSIT OF XXXX OR GREATER IN ORDER TO AVOID ANY MAINTANCE FEES. I WAS TOLD THAT I NEVER HAD A DIRECT DEPOSIT OF XXXX OR GREATER. WELL EITHER MY ACCOUNT WAS NEVER LOOK AT OR WAS LIED TO. REASON WHY I AM STATING THIS IS, ON XXXX I RECIEVE A DIRECT DEPOSIT OF XXXX. AND SO MANY XXXX. WHICH MEANS I SHOULD NEVER HAVE BEEN CHARGE THIS FEE AT ALL. THIS IS THE SECOND TIME THIS HAS HAPPEN

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX American Express sent me an email saying theyre going to lower my credit limit if I dont pay XXXX to them within 3 days. Saturday XX/XX/XXXX I called and paid XXXX as I had just paid XXXX on the XXXX. I was reassured multiple times my account will remain with the current credit limit And they will not lower my limit. On XX/XX/XXXX I received an email stated they lowered my Limit after insisting they wouldnt. I called that day and they said theyd investigate as it was an error on their part and call me back in 24-72 hours. Today I called and theyre saying Monday or Tuesday next week. This affects my credit rating and theyve caused me major issues as paying almost XXXX to them all at once as well was difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NY

Complaint narrative:
I report these accounts as fraud due to identity theft. It was taken off my credit report a few times and that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
As of XX/XX/28 this account continues to report inaccurate information such as account rating, closed date, highest balance, after a factual dispute investigation was requested and information came back as verified but all three bureaus are reporting inaccurate information from this company

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 2023-04-28 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: NY

Complaint narrative:
As of XX/XX/28 this account continues to report inaccurate information such as account rating, closed date, highest balance, after a factual dispute investigation was requested and information came back as verified but all three bureaus are reporting inaccurate information from this company

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 2023-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax allowed inaccurate and fraudulent info to re-appear on my credit report after the info was previously disputed and deleted due to fraud and identity theft. This is impacting me adversely as I am in the process of securing a mortgage and this inaccurate information is being reported negligently. I was not provided with any documentation that would verified any alleged debts as belonging to me and have also provided a police report, FTC report in addition to a certified letter from a previous employer that explains a data breach. Equifax is violating several federal laws and also their actions are adversely impacting me with the gross negligence of their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had work done on my house and got a 'Same As Cash ' loan of {$16000.00} from Enerbank on XX/XX/XXXX. The terms of the loan were that I would pay no interest if I repaid it in full before XX/XX/XXXX. 

I arranged with my bank ( XXXX XXXX ) via 'Bill Pay ' for the loan to be repaid on XX/XX/XXXX. 

My XXXX XXXX send the funds via paper check ( I was expecting an EFT transfer, which, in my experience, is normal for Bank to Bank transactions ). 

On XX/XX/XXXX I received a letter from Enerbank stating that since I had not repaid my loan in full by the XX/XX/XXXX due date, I now owed the principal plus a year of 17.99 % interest ( {$2900.00} interest ). 

I called Enerbank that same day and, after waiting on hold for 55 minutes, I was told that Enerbank had not received my payment. I was also told that Enerbank does not accept ACH payments. 

I called XXXX XXXX where they confirmed that the payment had been sent, on time, but that it had not been cashed. 

I attempted to call Enerbank again, but they were closed. 

On XX/XX/XXXX I called XXXX XXXX and told them to cancel the payment. They agreed to send me a letter verifying that I had paid on time. 
On XX/XX/XXXX I attempted to call Enerbank, but they were closed for the weekend. 
On XX/XX/XXXX I attempted to pay via their payment website ( listed on the Enerbank statement as payments.enerbank.com, but their payment site would not accept the amount of the full loan, only {$330.00} monthly payment. 

On XX/XX/XXXX I called Enerbank. I was on hold for 1 hour and 20 minutes. At first, they insisted that I needed to pay the principal plus {$2900.00} in interest. I told them about the 'Good Faith Letter ' from XXXX XXXX and finally a manager approved canceling the debt if I paid the principal plus interest from XX/XX/XXXX to XX/XX/XXXX of {$110.00}. With regards to their website not accepting my payment they said that their system had recently changed and perhaps I had the wrong website. 

I paid, but I don't think that I should have had to pay the interest. I suspect that they deliberately make it difficult to make payments and make it difficult to contact the company and perhaps 'lose ' checks in order to force clients to pay their usurious interest rates.

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 2023-04-28 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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