vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called on XX/XX/2024 to complain of very low interest rates on balances under {$1000.00} of .05 % This represents borderline fraud and deception as the company itself, HSA Bank is making a significant spread on this money. It is a true harm to the small investor and destroys their ability to grow the funds for their future needs. Also until I called and made them stop, HSA Bank imposed relatively large monthly holding fees of a few dollars on my account. I worry they may still be doing this to others. I plan on closing the account and moving it to XXXX to earn a better rate of return, however they threaten a {$25.00} fee to close the account which fare exceeds the interest on my account earned over 5 years! 
Please use this information to investigate HSA Bank and compel them to drop egregious fees and very low interest rates for those who can afford it the least. Please help me help the average HSA owner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Hello i need some intructions i have a personal issue where i have to sell my car that i had a loan with M & T Bank, i sold the car to a Dealer they took around 2 months in do the payment to M & T Bank. I got this reported as late payments on my credit report, the loan is already pay total but i still have that reported on my credit report as with a negative impact on it. what can i do?

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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
We made a mobile deposit XXXX XXXXXX/XX/XXXX. It was a student loan refund for my son who is XXXX and we have XXXX We have deposited funds from him before. I neglected to have him sign. Hold was placed on deposit which we were not advised about until the next day. Spoke to XXXX branch XXXX when advised and she told us we needed to have our son come in with ID to sign a XXXX party release. Did this XXXX XXXX XXXX XXXXXX/XX/XXXX received email that account was locked due to fraud and no access to any funds. Called fraud line and was advised had to go to branch to resolve. Went to branch and teller advised XXXX too busy to discuss and would have to wait until XXXX  or could wait indefinitely to see if XXXX would see me today to resolve. No resolution as of yet.

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 2024-09-21 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:
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 XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX Acct XXXX. XXXX {$2100.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} Inquiry : XXXX XXXXXX/XX/year>

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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I am reaching out to via CFPB to file a complaint against Alliant XXXX Credit Union. I was recently approved for a credit card and they told me they had to ship it to the address on file. I pleaded to them that I am out of town for an emergency with my grandfather in XXXX and asked if they could leave my mailing address the same, but send this card to the address in XXXX because I don't know when I will be back. They REFUSED to do so and proceeded to send the card there anyways. I have a XXXX Camera at my house and someone came and stole the mail on my front porch where the card was also was!!! I KNEW THIS WOULD HAPPEN BEING WHICH IS WHY I ASKED THEM TO SEND THE CARD TO WHERE I AM CURRENTLY AT AS A ONE TIME COURTESY! THIS IS CRAZY! 

PLEASE ADVISE FOR THEM TO SEND THE CARD TO THE ADDRESS I AM CURRENTLY AT. THEY CAN LEAVE ALL THE ADDRESSES THE SAME. This is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM XXXX XXXX XXXX XXXX 2024XXXX {$300.00} I C SYSTEM XXXX XXXX XXXX 2024-XXXX {$250.00} I am being harassed by a collection company that purchased this debt, and their constant calls are overwhelming.

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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Truist Bank notified me that a business account was charged off in my name. I never opened this account. I live in Michigan and we dont even have Truist. This account is fraud. My SSN is XXXX and my EIN is 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 2024-09-21 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: FL

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 XXXX 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was notified by chase that an account was opened in my name. I have never had a chase account before so this is clearly fraud. My SSN is XXXX. I will be uploading a proof of address and my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} Repossession : XXXX XXXX {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: PA

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Date : XX/XX/year> XXXX XXXX  : Date : XX/XX/year> XXXXXXXX XXXX : Date : XX/XX/year> XXXXXXXX XXXX : Date : XX/XX/year>XXXX XXXX XXXX  Date : XX/XX/year>

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 2024-09-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and damaging information appearing on my credit report, despite my attempts to resolve the matter directly with the credit bureau ( s ). Specifically, this complaint concerns : Late Payment Status on XXXX XXXX Account : Creditor Name : XXXX XXXX Account Number : XXXX Issue : Inaccurate reporting of a late payment status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MA

Complaint narrative:
To Whom It May concern : There is currently an inaccurate item being reported on my credit report from XXXX XXXX. I have contacted this company at the address provided on my credit report here : XXXX XXXX XXXX XXXX XXXX, SD XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2024-09-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May concern : There is currently an inaccurate item being reported on my credit report from XXXX XXXX. I have contacted this company at the address provided on my credit report here : XXXX XXXX XXXX XXXX XXXX, SD XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I bank with Fifth Third Bank. 
On XX/XX/XXXX my account was suspended for a fraudulent check that was deposited into my account. I was not aware the check was fraudulent until this occurred. I called the fraud department and made a complaint. I was informed that my account was going to be suspended for XXXX  days. I removed my bank direct deposit information from my XXXX account immediately. XX/XX/XXXX I received a paper check from my job. XX/XX/XXXX I called the fraud dept to get an update regarding my account and was told that my account was setup to be closed. They told me I can go to the bank and make a final withdrawal to withdraw the funds in my account and close it. On XX/XX/XXXX, I went to the bank to make my final withdrawal and had them close the account. XX/XX/XXXX I received a notification on my phone from Fifth Third stating my direct deposit hit my account. I was confused because I was under the impression that the account was closed as of Monday. XX/XX/XXXX I went back to the branch to see what was going on. The teller told me that account actually showed to be closed on the XXXX. I spoke with a banker who reopened the account and told me to call the bank the next day and see if the funds were available. I called the bank today only to find out that my account was closed again and that they failed to inform me that I was to make a small deposit to keep it open. I dont understand why I wouldve had to make a deposit on an account that already existed and had a pending check deposited. Im very frustrated with this whole ordeal. 
This has caused a major inconvenience for me and caused a financial burden on me. Ive had bill payments bounce back and behind on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: OH

Complaint narrative:
I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
XXXX XXXX XXXXXXXX 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 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: OH

Complaint narrative:
I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: AR

Complaint narrative:
There are some things on my report that are inaccurate. Like being a XXXX offender. I have never been convicted and I have never done anything like that. On my report also shows my mother XXXX XXXX and she should not even be on my report. Yes some of my criminal stuff is accurate. That was years ago. I have since changed my life around for the better. I did a year long XXXX  program. And it saved me. Me being able to work and support my family is the only thing that keeps me going. That record is not who I am today. But some. Of the things on there are not correct

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt. 

Furthermore, XXXX XXXX XXXX XXXX report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, XXXX XXXX is not complying with these legal obligations. 

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. IMMEDIATE deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for XXXX XXXX failure to comply with federal law and their neglect in handling this matter. 

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. I expect XXXX XXXX to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Tx 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2024-09-21 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: NY

Complaint narrative:
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

Account namXXXX XXXX XXXX  Account number XXXX experian XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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