vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX my wife was informed by Santandar Bank that money was taken from her money market account by an unknown person ( s ). This bank then said the money would be returned after their fraud dept. Investigated. On XX/XX/XXXX I received a letter from Santander bank stating we would not receive our funds back. Their reasoning was that the transaction was made between own accounts, no loss. An account was somehow attached to my wife 's account by a person named XXXX XXXX for XXXX $ the tranfer date was XX/XX/XXXX. We told the bank this was fraud, and that this was not authorized by my self or my wife. The claim reference number is XXXX. The bank we spoke with was in XXXX, phone # XXXX I spoke with XXXX XXXX his email is 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Hello, Experian XXXX XXXX XXXX XXXX, XXXX XXXX My name is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I am writing to dispute the following information that appears on my Experian consumer report : I never reside at the following address below and would like to have this immediately removed from my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I also noticed that the following inquiries below were made without my direct knowledge and consent, and I dont recognize the companies listed below in question. I request that those entries to be removed from my credit report profile immediate. This is a direct violation of 15 USC 1681, from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : REMOVE ALL INFORMATION LISTED ABOVE BECAUSE IT IS A DIRECT VIOLATION ON THE ITEMS LISTED UNDERNEATH : 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports. 


Thank you, 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 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
After filing a previous report for a similar situation, I requested again my credit report from XXXX, and XXXX, to my surprise it shows that there is another debt collection under SENTRY CREDIT INC., account number XXXX, representing Creditor XXXX XXXX XXXX, showing a balance of {$19000.00}, date opened XX/XX/XXXX, past due as of XXXX, XXXX. I am just a victim of identity theft, since XX/XX/XXXX when my bag with my personal documents were stolen from a vehicle which was reported immediately to police. I am owner of a property since XXXX, where I live and do not have the need to rent an apartment. 
Please, help me how to handle this problem or what to do to avoid this happening again,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Credit Inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank USA NA, XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XX/XX/23 I was unlawful denied my right to credit by Avant which is a violation of the Equal Credit opportunity Act ( 12 CFR 1002 ). On XX/XX/23 I responded to the unlawful adverse action taken against me by stating my claim, with the supporting laws pertain to my consumer rights as a creditworthy applicant. That on XX/XX/23 Avant responded to my claim still denying me lawful right to credit. Ive sent a final notice to cure, to try and rectify the issue without pursuing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX  months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX  months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX  XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I was recently subjected to adverse credit action by XXXX XXXX  ; and as a result, I requested my credit report from all three credit bureaus, including XXXX, Equifax, and XXXX. Equifax and XXXX were unable to provide me any credit report despite providing a credit score to the lender. I have mailed my request and attached copies of identity documents in support of my request, but I have not heard from the two bureaus after mailing. I was advised over the phone by Equifax and XXXX that it would not be advisable for me to further access my credit file online, as there exist certain metrics ( XXXX block? ) that further prevent access to my credit report after any additional attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I believe that I may have been part of a breach or someone is using my information this Account from XXXX XXXX XXXX account number XXXX Date XX/XX/23 does not belong to me Ive never had any business with this company

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Delete Hard Inquiries

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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Reference # XXXX Dear Chase Card Services, I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the challenges I have encountered while attempting to open business credit cards with Chase. As a longstanding customer, I have recently experienced a series of perplexing and time-consuming issues that have significantly impacted my confidence in the application process. 

In early XXXX, I applied for the Chase Ink Business card, and to my relief, the application was swiftly approved. However, my satisfaction was short-lived when I faced difficulties creating an online account for the card. Upon contacting Chase, I was directed to the fraud department, where I was asked a question about a loan from decades ago. Unfortunately, I couldn't recall the answer, leading to a requirement to visit a Chase branch to verify my identity and confirm that I was indeed the applicant and not a victim of identity theft. Although the in-person visit resolved the issue, the inconvenience and uncertainty surrounding this process were disheartening. 

Fast forward to early XXXX, when I applied for another Chase Ink Business card under a different business entity ( the first being a sole proprietorship and the second with a valid business EIN ). Despite having recently and physically verified my identity at a Chase branch with XXXX forms of identification for a similar application just XXXX months prior, I am once again being asked to submit additional documents to verify my identity. This repeated demand for verification is perplexing and frustrating, given that I am not a victim of identity theft, have never been one, and have never placed a credit freeze on my account. My loyalty to Chase over the years adds to my confusion as to why my business applications consistently undergo a secondary verification process, citing reasons such as " Name verification - name provided is unable to be verified. '' I am reaching out to seek resolution and clarity on this matter. I am requesting a thorough review of my account and the application process to identify the root cause of these persistent issues. It is crucial to understand why my applications are subject to additional scrutiny, especially when others do not face such hurdles.

I value my relationship with Chase and believe in the importance of security measures. However, the repeated and seemingly unnecessary verification process is eroding the trust I have placed in the bank 's systems. I trust that you will investigate this matter promptly and provide a resolution that ensures a smoother and more efficient experience for loyal customers like myself.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The first fraud incident on my account was on XX/XX/XXXX and I reported it to Citibank immediately. They started the dispute on XX/XX/XXXX and I am not clear about the reason why. After I complained to CFPB, Citibank contacted me and sent me the forms to fill out for the dispute. Before that, I had contacted them multiple times and their response was that it was still in process. Now, they don't even want to take responsibility for the fraudulent activity on my account, and all they could say is that the beneficiary bank already sent the money to the crooks. I do not understand how they came to such a conclusion. I did not authorize anybody to take money from my account and it seems like they don't even want to help me out in this situation. Without authorizing this transaction, how can I be responsible for this fraudulent activity? When I talked to the costumer service at the bank, one of their responses was that this was a small amount and that they have had many clients lose thousands of dollars everyday due to such fraudulent activity. If their clients are losing money like this, shouldn't they be doing something to protect their clients? I am a XXXX XXXX, who is struggling everyday to make payments for my XXXX  and this was the money I had saved up in order to make the payment. To them, it seems like a very small amount, but to me, it is all my hard work. I can not lose this amount. The institution ( Citibank ) should be responsible for this action. My family has been faithful customers of this bank for more than 25 years. Even though I set up an alert to my phone for any transaction, Citibank did not send me an alert for this fraud, which happened multiple times on the same day and my account was wiped off. In total I lost {$3400.00} including the domestic transfer fee! Being such a large institution, they don't seem like they want to do anything to help me. Now I am forced to borrow money from my parents everyday to make up for this loss and to pay for my expenses. I have a learning XXXX, which why I am unable to work full-time and manage my studies simultaneously, so this money was very important to me, as I need to make the rent payments for the next three months. I hope somebody can help me with this.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
I continue to ask for proof as part of the dispute process of late payments that are being reported on credit profile. Instead of sending the proof, the disputed months become " unknown '' while other months that were report without incident " ok '' then receives late comments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I believe this Account belongs to someone else Ive never done any business with XXXX XXXX XXXX I believe I may have been part of a breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was recently subjected to adverse credit action by XXXX XXXX  ; and as a result, I requested my credit report from all three credit bureaus, including XXXX, XXXX, and TransUnion. XXXX and TransUnion were unable to provide me any credit report despite providing a credit score to the lender. I have mailed my request and attached copies of identity documents in support of my request, but I have not heard from the two bureaus after mailing. I was advised over the phone by XXXX and TransUnion that it would not be advisable for me to further access my credit file online, as there exist certain metrics ( XXXX block? ) that further prevent access to my credit report after any additional attempt.

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 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
XXXX {$12000.00} I.m dispute this whole amount in lead hardship in finance and job lost wages .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I received a letter from a no named company with no return address or or company name it says at the top Official business penalty for private use {$300.00} it's date XX/XX/2023 it said immediate response required and it has the phone number it states it's a final notice. It said the letter was to inform me that my Auto warranty was expiring it also said Our records indicate you have not contacted us to update your warranty policy call us immediately to ensure there is no lapse in coverage reach directly : XXXX. It said my approved warranty coverage, then listed several parts to a vehicle. On the back of the letter I said that based on my credit report it indicates that I met their criteria. It also states that Trans Union is whom I would have to call if I didn't want the offer. I called the number listed on the front and a man answered in a foreign language possibly XXXX he answered sales I told him about the letter and he said oh yeah in English your warranty is about to expire and I needed to renew. I asked him who was he he didn't say his name I said well what company is this a d he said XXXX XXXX I said I have no policy with you and I asked where did you get my information and he said it was sold by a credit bureau. I told him I didn't give permission for them to sale my credit report and that it's private he then said look I have another call and I said I will be contacting the FTC and he said do what you need to do and hung up. XXXX had already alerted me that my info was on the dark web O didn't understand what they meant but Transmission n sold my credit report giving them access to my social security number Dob, banking information creditors phone numbers and address. How can this happen? My credit report is frozen, therefore Transunion had no authority to sell my information.

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