vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Service Finance has this listed as a mortgage and when I contacted them about this they said it was the credit bureaus that made this mistake not them. I can not seem to get this error corrected by the company and the credit bureau. This is not a mortgage it's a hvac loan with no collateral. The service finance company did email me a doc showing its not a mortgage which is attached but XXXX says different and won't change my credit report.

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 2024-11-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. 
XXXX File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I asked Huntington Bank to stop the transactions in my business account and lock my account multiple times. They told me they couldn't do anything about the repeated ( {$48.00} ) ACH withdrawals, ( these ACH Withdrawals are from the same company ( XXXX ) that does not have authorization to make this withdrawal ) so now the overdraft fees keep growing, and I owe them over {$1100.00} in overdraft fees. My account is about to be closed. When I try to call them, they just keep telling me the new negative balance and that I owe it. Huntington Bank has refused to help and protect my account. They also told me that even though my business is an LLC, my personal bank account may be offset to pay for the overdraft fees in the business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Drove OUT OF STATE, to XXXX  FROM XXXX  to get a cashier 's check to PURCHASE A HOME and the bank provided a cashiers check that is NOT SIGNED BY THE BANK. I received XXXX cashiers checks ; XXXX is signed, XXXX is not. 
They expect me to drive back to the branch to correct this instead of them wiring the funds/issuing a new check.

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I applied for XXXX credit cards through the XXXX XXXX mobile app. XXXX XXXX approved the credit card applications. I was unaware that each card had a {$75.00} and {$120.00} annual fee. XXXX approved these cards in XX/XX/year>. 

Since that time, I have never used the cards, and I do not want them. Since their approval, there has been no minimum balance due and no payments made. 

However, now, it appears that the credit card company is charging interest on these fees, and still the statement reflects the {$0.00} minimum payment due. 

I am not interested in these cards due to the lack of clear information about the fees. The limits are so low that the annual fees consume about XXXX of the credit line. Additionally, this credit card company is not as well-known as XXXX or XXXX XXXX. 

XXXX XXXX makes it difficult to reach customer service as their telephone customer assistance line apparently has few English-speaking agents, making communication impossible. The company does not offer an electronic method of contact such as email or customer service chat. The sole alternative is to send a letter to a XXXX address, a lengthy process that lacks verification of receipt or action. 

I am not asking for free money. I merely request the release from these credit cards with no derogatory marks on my credit history, as they remain unactivated and unutilizeda zero balance, in excellent standing, closed at the request of the borrower.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I went to the Care Credit website to get a card to pay for braces at my sons XXXXXXXX XXXX. The website has a page to locate practices that accept Care Credit. I looked up the Orthodontist that we are using and his practice is listed on the Care Credit site as accepting this credit card. ALL information related to this practice ( address, phone number, etc ) is correct, so I went ahead and applied for this credit card. After my approval, I called the Orthodontist, who then stated they do NOT accept Care Credit. I called Care Credit immediately to cancel my application. It was now too late and when I said that it was unfair and wrong that my credit was run for now no reason, they said sorry, we can close it. Which is what I did. Now I have multiple negative hits to my credit- a hard inquiry and a closed credit account. This is absolutely wrong to the consumer and should be illegal that they can state a business accepts Care Credit when in reality they dont!!

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 2024-11-30 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really disappointed that my information has been compromised, especially as I'm trying to buy a house. I need these accounts removed, as I'm not in a good mental state due to this situation. 

YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & amp ; 1681g.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you XXXX have violated my consumer rights as a federally protected consumer.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really disappointed that my information has been compromised, especially as I'm trying to buy a house. I need these accounts removed, as I'm not in a good mental state due to this situation. 

YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & amp ; 1681g.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you XXXX have violated my consumer rights as a federally protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy and 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish a without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, someone stole my bank cards and all my information and made XXXX transactions, transfers, withdrawals on my account. {$140.00} at XXXX XXXX, {$120.00} at XXXX XXXX, {$41.00} at XXXX XXXX XXXX  {$190.00} at Journeys, {$180.00} at XXXX XXXX, {$200.00} at this address XXXX XXXX XXXX in XXXX XXXX this transaction was made 6 times, {$70.00} at XXXX XXXX, {$44.00} at XXXX XXXX XXXX, {$650.00} at XXXX XXXX XXXX XXXX in NEW YORK XXXX, {$650.00} at hotel Moca, {$600.00} at XXXX XXXX XXXX XXXX, {$580.00} at Apple bank which is my bank so im not sure how they were able to take money out of my bank without me present but these transactions all happened XX/XX/XXXX, i called them XX/XX/XXXX couldnt get a hold of them and called back the XXXX and was finally able to address what happened they explained to me the process I had to go to get this resolved which was turning my cards off so they couldnt make any more transactions and ordering me a new card. After that I was transferred to the fraud team to dispute the charges that were made on my account they disputed it and told me wait XXXX business days for the money to appear, then I received a dispute claim letter saying it was denied and they closed my case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TN

Complaint narrative:
My personal information was a part of a data breach due to the lack of due diligence by EQUIFAX. This data breach has put me in financial distress due to fraudulent accounts created in my name. I have sent the following attachments to Equifax, but I haven't received any feedback. I am calling for the blocking and removal of all accounts included in the attached letters and ftc report. I could only list XXXX accounts. XXXX XXXX is missing from the report and I added the alleged syncb accounts. I also have a letter from an attorney from a court date about the XXXX  XXXX account that is listed. The matter was handled in court, but it is still on my consumer report. I will pursue restitution for the failure to remove items from my report due to willful noncompliance via FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
In XX/XX/year>, I received checks from Citibank for my credit card when I called to have them stop sending these checks. They locked my account because they decided based on my first name that I should be female and they didnt believe that they were speaking with the correct party. I called back a subsequent time and resolved the locked card issue and what I thought was the convenience check issue and this week I received more convenience checks from them. 
Because of the previous interaction, I have stopped using this credit card because they did not resolve that issue of the rudeness from the representative to my satisfaction but now theyre sending checks again. Having formally asked them to stop sending these because they are a risk and them not complying with my request. I am submitting a complaint to you the CFPB so that this can be documented formally by a governing agency that they are noncompliance with a privacy request from a consumer.

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a statement for the period dated XXXX XXXX-XXXX XXXX XXXX. On XX/XX/XXXX I was charged interest on a cash advance from XXXX. No interest on that advance was charged earlier. The Chase Freedom XXXX XXXX explained that interest on cash advances accrues from the date of the advance, and does not appear until the next statement is closed. I can not pay the interest earlier than the next statement period, and can only pay it then by paying the entire balance. So I am charged almost a months worth of interest without recourse, and a second months interest unless I pay the full statement amount the day it closes. Cash advances are charged 29.24 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NJ

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had $ XXXX USD wire transferred on XXXX XXXX from my XXXX account to a TD Bank account to be used to fund my defi crypto.com account. See attached XXXX wire transfer confirmation letter. The TD-Bank receiving account information was provided by the defi crypto.com customer service team for use in funding my new crypto.com account. Despite several communications and submitting an XXXX wire transfer confirmation letter I have not been able to get confirmation on the $ XXXX USD funds received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid my balance off in full in the amount of {$5000.00} which was XXXX days before the due date. The following month on XX/XX/XXXX they charged me {$93.00} in interest on a balance that was just paid off. I called customer support on Saturday XX/XX/XXXX once in notice it to tell them that I already paid the balance in full and the customer support rep in XXXX was rude and adamant that the charge must be paid. I hung up and the called the local branch in XXXX NY XXXX minutes before closing but no one answered and I was switched to the XXXX customer service number where I would be put back on with the same reps from XXXX. I am Disputing the interest charge since the balance was paid in full. This is not fair to do to clients.

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 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 XXXXXXXX XXXX XX/XX/2023 I recently reviewed my credit report and noticed several unauthorized hard inquiries. They are negatively impacting my creditworthiness. Please remove these inquiries from my report promptly.

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 2024-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 XXXXXX/XX/year> I recently reviewed my credit report and noticed several unauthorized hard inquiries. They are negatively impacting my creditworthiness. Please remove these inquiries from my report promptly.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a capital one card. I want to make sure that I do think that customer support and fraud department provides good support to card holders. I am not complaining about customer support or fraud department. Hower, I believe that underwriting department is out of compliance. Back in XXXX I got a pre paid card in order to rebuild my credit during a legal separation soon to be a divorce. Now, when I checked my credit report via credit karma it is showingXXXX points off my credit because of my credit usage. I have never had a late payment... why is it that far from helping me build up my XXXX  it is deducting my points every month? 

Please advise why do I feel that this card is simply not a good option to rebuild my credit? Is this even in compliance with fair credit reporting? 



Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit file. As a victim of identity theft stemming from a data breach, I have confirmed that the following accounts and inquiries were not authorized by me and are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report. 
Fraudulent Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit file. As a victim of identity theft stemming from a data breach, I have confirmed that the following accounts and inquiries were not authorized by me and are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report. 
Fraudulent Account 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 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 explanation