vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I was dismayed to find an unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/year> on my Experian consumer report. I did not authorize this inquiry, and I politely request that it be deleted from my consumer report immediately.This unauthorized inquiry is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). As a consumer, I did not grant any permission or provide any written instructions for this inquiry to be placed on my consumer report.Under the FCRA, 15 USC 1681b - permissible purpose of consumer reports, the law clearly states : '' Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. " I did not provide any written instructions to include this inquiry on my consumer report. Therefore, Experian 's reporting of this unauthorized inquiry is a direct violation of the law.I kindly request that you delete this unauthorized inquiry from my consumer report and provide me with an updated copy of my credit report once this correction has been made.Thank you for your prompt attention to this matter.Sincerely,

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 2024-07-09 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: MA

Complaint narrative:
I am writing to formally dispute several unauthorized charges that have been made to my XXXX XXXX account and to request the removal of this account from my credit report. These charges, which I did not authorize, have significantly impacted my credit report and my financial standing. Below are the key details : Account : XXXX XXXX ( XXXX ) Account Balance : {$3100.00} Status : Account Closed Issue Duration : Since last summer I have been dealing with this issue for over a year, and despite my numerous attempts to resolve it, the XXXX XXXX representative has not been helpful or efficient in removing these unauthorized charges. Additionally, my XXXX account was hacked, and funds were stripped from it. During this period, my XXXX XXXX was not in my possession, making it impossible for me to have authorized these transactions. 

According to the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute unauthorized charges on their credit accounts. Section 170 of the FCBA specifically states that a consumer should not be held responsible for purchases they did not make. Due to the continued presence of these unauthorized charges and the lack of resolution from XXXX XXXX customer service, I have not made any monthly payments since the transactions were not 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 2024-07-09 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: MA

Complaint narrative:
I am writing to formally dispute several unauthorized charges that have been made to my XXXX XXXX account and to request the removal of this account from my credit report. These charges, which I did not authorize, have significantly impacted my credit report and my financial standing. Below are the key details : Account : XXXX XXXX ( XXXX ) Account Balance : {$3100.00} Status : Account Closed Issue Duration : Since last summer I have been dealing with this issue for over a year, and despite my numerous attempts to resolve it, the XXXX XXXX representative has not been helpful or efficient in removing these unauthorized charges. Additionally, my XXXX account was hacked, and funds were stripped from it. During this period, my XXXX XXXX was not in my possession, making it impossible for me to have authorized these transactions. 

According to the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute unauthorized charges on their credit accounts. Section 170 of the FCBA specifically states that a consumer should not be held responsible for purchases they did not make. Due to the continued presence of these unauthorized charges and the lack of resolution from XXXX XXXX customer service, I have not made any monthly payments since the transactions were not 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Electronic deposit XXXX {$10000.00} check to Citizens Bank. Check cleared my XXXX bank account on XXXX. Contacted Citizens by phone, branch mgr blamed XXXX - saying they were holding funds ( Lie ) Recd letter from Citizens XXXX stating same - XXXX was not released funds. 
Spoke to branch mgr at XXXX XXXX to confirm check cleared- he noted Citizens Bank is notorious for hold funds for inordinate amount of times. 
Today, XXXX, funds are still being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-07-09 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-07-09 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: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I received the following recorded message on XX/XX/XXXX and XX/XX/XXXX via a robocall. Both times it was the exact same message and it was a recording. There was no human being involved and there was no way to talk to a person. The first time the message was left as a voice mail and the second time I answered the phone. 

" This is a reminder from XXXX XXXX at Flagstar Bank. Please check your account status online to make sure you have the most up to date information regarding your account. You can also use online services or our automated phone system for self service options and use of access. Thanks for being a Flagstar customer and have a nice day. '' My account is paid in full. I have never missed a payment since I bought this house in XXXX and I have paid extra towards my principal almost every single month. Despite that I have had to file complaints in the past against Flagstar Bank for harassing me and mis-applying my payments and charging me late fees. They are harassing me and causing me stress for no legitimate business reason. 

Attached is my payment history for my mortgage going back as far as my bank 's online banking lets me view the payments. This payment history shows that I have paid my mortgage in full every single month for years.

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 2024-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a FHA Loan for a new built home that was not completed. The Realtor showed me this home and it was not finished. I have been having problems with this matter since the signing of the deed on XX/XX/2021. I have notified the FHA, HUD, XXXX, the State Attorney General Office XXXX XXXX, Senator XXXX XXXX, my Councilman, the City of XXXX, the Builder, and the Loan Officer and XXXX XXXX HUD Field Director I also went to several Council Meetings, and I made the XXXX XXXX as well regarding this situation. I was taken advantage of and no one will take accountability for what has during the process. I received a letter 3 years on XXXX XXXX later stating that there was in fact a warranty and nothing was ever executed. I have been fighting since XXXX XXXX when all of this chaos begin. This FHA Loan was used to purchased a new built home that was not completed at all. The FHA Loan is in fact insured and no one is doing anything about this situation at hand. I have proof of everything as well as pictures before and after.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
When I received my XX/XX/year> statement, it included the following listed as charges : XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX  {$410.00} XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  {$260.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} It also listed a payment dated XX/XX/XXXX for {$1000.00} I called CapitolOne to report that these were not my transactions. From the start, they were concerned only with the source of the XX/XX/XXXX payment. They requested that I provide them with a bank statement for the account. I informed them that I didn't recognize that bank, I did not have an account there and that the payment wasn't mine. I did try to open an investigation of the XXXX fraudulent charges in XXXX and South Carolina. 

A few days later I was called by CapitolOne and they informed me that they were investigating the XX/XX/XXXX payment and that I needed to provide them with the relevant bank statements for the payment. I again replied that I did not recognize that bank, I do not have an account there and the account isn't mine. 

When I received my statement from CapitolOne for XX/XX/year>, the fraudulent charges were still being billed and I had been assessed a late fee. I called CapitolOne and they told me that they were unable to do any further investigation on the account until I provided them with bank statements from the payment. I again told them that I didn't recognize the bank, I didn't have an account there and the payment wasn't mine. 

On XX/XX/year>, I faxed Capitol One a letter to reiterate that I did not recognize the bank that had made the payment, I did not have an account there and that I had not made the payment. I did request that they investigate the fraudulent charges. 

I have since received my statement for XX/XX/year> from CapitolOne with the XXXX XXXX charges still being assessed, as well as late fees and interest. I called them today and they once again demanded bank statements from the account that made the XX/XX/XXXX payment. I again informed them that I did not recognize the bank, I did not have an account there and I did not make that payment. I was informed that until I provide the bank records for the payment, they were unable to do anything with the account and the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NH

Complaint narrative:
I was only given 6 months instead of 15 months 0 % APR for new purchases. Even though the online promotion I applied for stated ( after clicking + important information ) " 0 % intro APR for 15 months form date of account opening. After the intro APR expires, your APR will be XXXX  % to XXXX % based on your creditworthiness. This APR will vary with the market based on the Prime Rate ''. 

I believe this to be false advertisement/deceptive marketing and poor business regardless of the contract that was mailed after I was " approved '' online for the promotion that I applied for. 

This is a reputable credit card company and I have applied for other cards with similar promotions and have been given the exact terms that were advertised on their site. 

I explained to them that if there were a variable term for the 0 % APR intro, it should state something like " 0 % intro APR for UP TO 15 months '' or " based on credit worthiness '' in the same paragraph as the statement that says the intro is for 15 months. 

Nowhere in the advertisement or fine print does it state that the intro term could vary. They only mention, in a separate paragraph, that, AFTER the into APR expires, they will assess APR based on credit worthiness. 

So after I was " approved '' online and received my card, I started using my card without realizing that they only approved me for 6 months. 

Now I have paid hundreds in interest. Had I known this, I would have used a different card for new purchases. 

I have been calling them monthly trying to get this squared away and even the managers have been puzzled once I point out how this is stated on their site- they can see that this isn't worded accurately and signifies false advertisement. 

I have also filed a report to the XXXX  and am hopeful that they or CFPB can help me with this issue. 

I appreciate your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX 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 60 days 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. 


XXXX XXXX XXXX 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 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent a letter to Source Receivables Management regarding the validation and inaccurate reporting of a debt associated with Account XXXX : XXXX. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, Source Receivables Management has failed to provide proof that the debt is mine and that they have the right to collect it. Furthermore, the account has been inaccurately reported on my credit report, causing undue stress and negatively impacting my credit standing. 

In my original letter, I requested the following actions : Written validation of the debt, including documentation proving that the debt is mine and that Source Receivables Management has the right to collect it. 
Removal of any inaccurately reported information from my credit report. 
Written confirmation that the inaccuracies have been corrected and that my credit report has been updated accordingly. 
To date, I have not received any response or corrective action from Source Receivables Management, which is a clear violation of their obligations under the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> made deposit of {$11000.00} XX/XX/year> called and checked on why the deposit was not in the account. I was told the money would be in my account in the next hour. 
the money never came in the account called the bank back same day, put me on conference call with the writer of the check. was told the money would be in the account in the next XXXX hours. still not in account after that time. 
XX/XX/year> called again was told there was nothing they could do and they would hold the check until XX/XX/year>. 
finally went to a branch of the bank they fixed the problem and the money was in the account within the day. 
this is only a recap of what I went through. I was lied to several times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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