vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I noticed this company ( Credit Collection Service ) on my credit report. Having no success getting this matter resolved over the phone..I sent this company a Validation of Debt letter via certified mail on XX/XX/year>. The company has not replied to my letter and continues to report this disputed information to the credit bureaus. I made another attempt today XX/XX/year> to get this matter resolved and still no success. I spoke to a manager by the name of XXXX XXXX and she would not assist me with this matter. I have been harmed financially and this company is in violation of 15 US Code 1692g amongst other violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I opened a Santander checking account on XX/XX/2024. I opened it with a promotion of receiving a {$400.00} bonus after {$5000.00} of direct deposit going into the account. I completed all requirements ( received the last required direct deposit ) on XX/XX/2024. Then, on XX/XX/XXXX, my account was closed by Santander without warning or any attempt to contact me ( and the remaining balance on the account was mailed to me via check ). I called to ask the reason, and I was told they did no have any information to give me. On XX/XX/XXXX, I then submitted a formal complaint ( via mail ) to Santander, in which I requested information on why my account was closed, and indicated that the closure came right before I should have been paid the {$400.00} bonus, so I requested that be paid out to me as well. I received a letter in the mail dated XX/XX/XXXX, stating that they would not be telling me why they closed my account. The letter also stated that they would not be honoring my request for the {$400.00}, since the account was closed. It seems clear to me that the account was wrongfully closed by Santander, not me, so the {$400.00} should be honored.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ), 15 USC et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute.

1. 15 U.S. 1681e ( b ) - accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 U.S. 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 U.S. 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my credit worthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ), 15 USC et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute.

1. 15 U.S. 1681e ( b ) - accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 U.S. 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 U.S. 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my credit worthiness and should be removed.

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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America kept me on hold for over 40 minutes and refused to close my without giving them a reason. It was a lot of hoops to jump through. I basically felt like I was being held prisoner by Bank of America.

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 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I monitor my credit report via the Experian XXXX. I can also see the reports from the other XXXX credit reporting agencies. I noticed a few months ago that Experian has 1 ) added an additional open student loan from XXXX XXXX for {$23000.00} that does not exist, I never borrowed that amount and 2 ) combined my XXXX  and XXXX  student loans to equal {$51000.00} ( the total is correct but from what I understand they are not allowed to combine the XXXX types of loans, they must be listed separately ). 
The student loan amount of {$23000.00} is NOT listed on XXXX or XXXX, which is correct. 
I disputed it twice online with Experian and they informed me that XXXX XXXX confirmed the loan and they would not remove it from my report. 
I called XXXX XXXX for clarification and I was informed that they have been seeing this problem with Experian for a while now and that numerous people have called to report the same thing.

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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase is purposely holding large deposit checks. I will deposit a check for XXXX and the funds will clear the other bank in 2-3 days, but chase holds the money for an extra 2-3 weeks on purpose. 

They then make you call a number and wait on hold for hours just to get your money available. Chase uses the money held for 2 weeks to give out loans and prop up their books artificially. This is theft and they are stealing from their customers. If I don't pay my credit card bill on time they charge me interest they should be paying me interest for not being able to cash my check on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I filed a FTC complaint on identifytheft.gov. My reference number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On what day, month, and year did Wells Fargo begin the foreclosure process on my home? Was it 2022 or 2023? Please provide the day and month also. Thank you.

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 2024-08-05 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: CA

Complaint narrative:
I recently reviewed 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: FL

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 2024-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-08-05 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 recently reviewed 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
In XXXX XXXX XXXX  I did a loan with my Fiancee at the time and was told I would be the main Buyer on the Account. I was the main buyer and never gave authorization for them to let anyone access account. After calling in and speaking to different representatives I was told that they let her access my account several times without my knowledge. I am asking that Ford Motor Credit be deleted off of my credit report for late payments be fixed I have made all payments on time to Ford Credit and ask that Ford Credit or all three credit Bureaus provide proof that these payments were late. I traded this vehicle in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: GA

Complaint narrative:
To whom it may concern, I recently disputed an account on my consumer report that came back on XX/XX/year> UPDATED. 
I am requesting the method a verification that you used for the following account : XXXX  XXXX XXXX Opened Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy.

If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I FILLED OUT A XXXX ACCOUNT XXXX AND WAS APPROVED FOR A XXXX XXXX XXXX XXXX XXXX AND ACCOUNT NUMBER IN XX/XX/XXXX. I BROUGHT IT TO A XXXX STORE IN XXXX IN XXXX XXXX. THEY STATED THEY WOULD COMPLETE THE ORDER FOR ME WHEN I GET A HARD COPY ID. CAUSE THEY COULD NOT USE THE PAPER ID AT LEAST XXXX DIFFERENT STORES STATED THIS. EVEN-THOUGH I HAD OLD HARD COPY IDS TO CORROBORATE THE PAPER ID THEY WOULD NOT LET ME USE IT. THEY TOLD ME CALL CUSTOMER SERVICE CAUSE NO ID IS REQUIRED IF THEY APPROVE EVERYTHING THEY WILL SATISFY THE account for me in person. I CALLED OVER THE XXXX CUSTOMER SERVICE LINE AND I WAS ASKED MY PERSONAL INFO TWICE, DATE OF BIRTH, FULL SOCIAL SECURITY NUMBER AND NAME AND ADDRESS TO XXXX DIFFERENT PERSONS XXXX AND XXXX AT XXXX XXXX APPROXIMATELY AT ( XXXX ) XXXX. PLEASE COLLECT THE RECORDING OF THIS CALL TO VERIFY ( MY VOICE ), THE REAL XXXX XXXX XX/XX/XXXX XXXX DATA. I HAD XXXX IDENTIFICATIONS PRESENT MANY PEOPLE ARE FAKING MY VOICE, PRESENTING MY NAME IN CONNECTION WITH ASSESTS AND MONIES THAT ARE MINE BUT THEY ARE STEALING AND COMMITTING FRAUD. THEY STATED MY CREDIT CHECK FAILED YESTERDAY WHEN I WAS TRYING TO GET A PHONE AND I BELIEVE THEY WERE COMMITTING IDENTITY THEFT AND TRYING TO ALLOW ANOTHER PERSON VERIFY AS ME OUTSIDE OF MASSACHUSETTS WHERE I AM RESIDING AND MY SOCIAL SECURITY SHOWS THIS IS MY HOME STATE. XXXX BUT I HAVE PROPERTY IN MANY STATES AND BANK ACCOUNTS IN MANY STATES. ALSO CONNECTED TO OTHER COUNTRIES AS WELL. MY OLDEST IDENTIFICATION CARD IS CONNECTED TO MOST ACCOUNTS FROM XXXX. DRIVERS LICENSE WHICH I STILL HAVE. PLEASE COLLECT THE PHONE CALL AT ( XXXX ) XXXX WITH XXXX XXXX ( XXXX ) AND XXXX FROM XXXX. XXXX PHONE CALLS LONGEST CALL XXXX MINUTE CALL UNINTERRUPTED. I AM XXXX FOOT XXXX INCHES AND HAVE A SCAR ON XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX EXTREMELY HUGE, MY WEIGHT IS XXXX AND MY ARMS AND LEGS HAVE A TOTAL OF XXXX XXXX AND CURRENTLY RIGHT NOW MY HAIR IS BRAIDED. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE CONTACT XXXX ( MY EMAIL ADDRESS ) FOR FURTHER INFO. PLEASE PREVENT THIS FRAUD AND CREDIT REPORTING ABOUT ME FAILING VERIFICATION ON CREDIT CHECK WITH MY NAME, ADDRESS AND INFO. PLUS THE CUSTOMER CARE STATED THAT I COULD HAVE THE STORE EMPLOYEE VERIFY MY IDENTIFICATION IN THE XXXX STORE WITH BOTH EMPLOYEES AND HIM OVER THE PHONE WHEN I GOT THE STORE EMPLOYEE AND PUT THE XXXX CUSTOMER CARE ON THE PHONE WITH THE EMPLOYEE AND ME HE DISCONNECTED THE CALL.

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