vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XX/XX/XXXXXX/XX/XXXXand I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-01-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Savings Bank Account # XXXX has violated my rights. 

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

15 U.S.S 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instructions In the first week of XXXX XXXX I sent a letter to the three credit bureaus requesting they verify everything on my report specifically XXXX Savings Bank Account # XXXX. I was not provided all the information i asked for in validating the debt in regards to XXXX Savings Bank Account # XXXX. All three reporting agencies came back with the debt of this account verified. However, they did not provide the information I asked for and there multiple discrepancies between the agencies ' reports. These items are different between the agencies ' reports : -Date of last payment -Date last reported -Date last active -Date opened These can not all be accurate. All information on my credit report must be accurate and verifiable. They are reporting all different information after claiming they have verified it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Savings Bank Account # XXXX has violated my rights. 

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

15 U.S.S 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instructions In the first week of XXXX XXXX I sent a letter to the three credit bureaus requesting they verify everything on my report specifically XXXX Savings Bank Account # XXXX. I was not provided all the information i asked for in validating the debt in regards to XXXX Savings Bank Account # XXXX. All three reporting agencies came back with the debt of this account verified. However, they did not provide the information I asked for and there multiple discrepancies between the agencies ' reports. These items are different between the agencies ' reports : -Date of last payment -Date last reported -Date last active -Date opened These can not all be accurate. All information on my credit report must be accurate and verifiable. They are reporting all different information after claiming they have verified it.

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 2024-01-18 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I contacted XXXX XXXX XXXX back in XX/XX/XXXX. They are saying that at the time I owed a bill to XXXX XXXX XXXX for {$4000.00} dated XXXX. XXXX said they didnt have this bill. XXXX they are reporting a total of 14 bills on my XXXX and Equifax now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legal. XXXX XXXX XXXX is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my XXXX and Equifax. I keep getting letters from Equifax saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department XXXX XXXX XXXX would had done there job they would have had there license taken from them and would not be doing this to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2024-01-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XXXX XXXX. I appreciate the services provided by XXXXXXXX XXXX and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXXXXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XXXX XXXX XXXX  and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX..this payment will be delivered by paper check on Wednesday, XXXX XXXX XXXX   SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK NUMBER XXXX XXXX XXXX sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXXXXXX XXXX XXXX XXXX, Tx it was delivered on XX/XX/XXXX. That's not 30 days late. XXXXXXXX XXXX said they received it XX/XX/XXXX but can't verify that.

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 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: NY

Complaint narrative:
So I got a called from XXXX XXXX that I missed a delivery and to call that number with a reference number to figure it out. I had no idea so I called and gave the ref number and it's some collection agency trying to recover money from a credit card supposedly from XXXX that closed in XXXX and was charged off in XXXX? Idk it isn't on my credit anywhere and I have no XXXX idea what they're talking about but basically threatened my credit. And bank account. They had my info, last four of my social at least and birthday and address. 

The company that supposedly sent the delivery was XXXX XXXX XXXX. I hung up mid call because they began staring my credit would be damaged for a decade, due to a law Obama passed? It was very confusing

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 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
I have two accounts with First National Bank Omaha { FNBO } and have been repeatedly calls me several times a day from 25 or more different numbers with different area codes. I have at least 25 numbers documented and saved in my mobile device. The scheme of changing their number to contact me is both annoying and harassment. If they would stop and only contact via one number I may be more willing to answer the call or make myself available to answer. This tactic needs to stop and I ask that you intervene.

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 2024-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
XX/XX/XXXX - Bought a new XXXX XXXX XXXX for {$24000.00} ( out of the door ) but I put a down payment of {$6000.00} which left my vehicle loan to be {$18000.00} at the XXXX dealership located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX . I signed the contract and went home. When I came home, my family checked out the contract and saw a {$3400.00} service contract charge which I never agreed to and advised me to contact the dealership as soon as possible to correct this issue. 

XX/XX/XXXX - I went to the XXXX dealership to cancel the {$3400.00} service contract charge and the financial advisor agreed to cancel the charge and asked me to sign a cancellation form which I did, which the charge should've been cancelled effectively as of XX/XX/XXXX but he kept the cancellation form and never gave me a copy of it at that time. 

XX/XX/XXXX - Some time in XXXX, I received the XXXX statement and the {$3400.00} service contract charge is still on my vehicle loan account so I went to the XXXX dealership on XX/XX/XXXX to inquiry about the service contract charge not being removed/cancelled from my account. The dealership provided me a cancellation form on this date but it was the old one from XX/XX/XXXX which they've changed the the date from XX/XX/XXXX to XX/XX/XXXX which is misleading, deceptive and manipulation. 

XX/XX/XXXX - I called the bank, Santander Consumer USA, to inquiry why the {$3400.00} service contract charge is still on my account despite me asking the XXXX dealership to cancel it on XX/XX/XXXX but the bank told me to contact the dealership as they have nothing to do with it being removed. The Santander Consumer USA bank representative also gave me a complaint confirmation number which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has long reported a credit card debt charge off against me. Ive never received proper documentation discussing options nor interest associated with charge off in accordance with FDCPA and truth in lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: MS

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: NV

Complaint narrative:
I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 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 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-01-18 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: NV

Complaint narrative:
I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 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 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NV

Complaint narrative:
I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 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 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX & XXXX dates I had been scammed by someone that called using Bank of America phone number saying someone was using my card. They needed me to verify by clicking a text. At that point, I had thought it was Bank of America. Then they called again saying they mailed the card to wrong address, I did not give them my address although they needed to have me verify it was me. I went into my account and saw that money was being transferred out of my account. I called my local bank branch and they referred me to the Fraud Dept. 
I called the Fraud dept. and explained my problem and told them to freeze my account to stop the withdrawal. They were able to take one of the withdrawal amounts. I have been dealing with this for XXXX months while they investigating. They claimed I authorized someone in New York to use my card to take this money out. I had tried everything to stop the withdrawal but, they still are accusing me of this fraud and have taken the money out of my account after crediting it while the investigation was in review. This money is needed for paying my taxes at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Last year they let my ex husband cash 3 checks forgery my signatures and wont do anything about it I was on the account are there this has left me in a hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The attached documents warrant an investigation into accounts reporting late payments, despite my punctual payments.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Kindly examine the attached documents and initiate an inquiry into accounts reporting me as late, despite my timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-18 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: SC

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items in the letter disputed.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello! Wells Fargo closed my checking account for no reason and is not giving my funds from the account. My mother ( XXXX XXXX ) recently send me 8 different transfers ( between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) from her country XXXX ( her local bank XXXX  ) little over XXXX XXXX XXXX  to help me and my family with down payment for the cabin we are looking to purchase. All the transfers went through without problems in till XX/XX/XXXX| received an email from Wells Fargo that they closed my account because of suspicious activity. I went to local Wells Fargo branch in XXXX XXXX first thing I no the morning XX/XX/XXXX and the representative there asked me to call the fraud department as he can not help me. I called the fraud department right there at the branch and they told me that the transfers my mother ( XXXX XXXX ) sent me from her account to my ( XXXX XXXX ) are from XXXX XXXX to XXXX XXXX? Why would my mother XXXX XXXX send money to herself to my ( XXXX XXXX ) account? Now they blocked me from all access to my account and I can not get my money. Wells Fargo wants my mother ( XXXX XXXX ) who is and lives in XXXX XXXX to go to Wells Fargo branch with 2 forms of ID in order for me to get my money?? This is my account, under my name only and my mother clearly sent that money to me. Please help me, this is very large amount of money for me and my family. Wells Fargo is just not giving me my money that my mother sent 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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Direct Deposit made XX/XX/XXXX. 
Called Customer Service XX/XX/XXXX after not receiving debit card. 
on XX/XX/XXXX somebody had activated the card and removed {$2000.00} from the new account. 

I never received the card. My complaint was denied 3 times. I was told the card was activated properly. 

Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation