vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was trying to send {$300.00} dollars to my husband through XXXX on Citizens mobile banking app. In the past I had no problems with it. But this time transaction failed. It asked to try again later. Which I did XXXX more times. I received XXXX emails saying that transaction failed. To my surprised I later saw that XXXX dollars were withdrawn from my account. My husband never received the money. When I called bank to ask what happened they initially said that money will be back tonight. It all happened on XXXX. So I called them back on XX/XX/year> and they said that money will be back on XXXX. Today is XXXX XXXX  and money are still not in my or my husbands accounts. Meanwhile I had other payment to come out. And since I didn't have free XXXX dollars sitting around, the account got overdrawn. And today on XXXX I got a fee for overdrawn account. And all I hear on the phone it will be there tomorrow. But I also have automatic payments set up, which should charge my account for bills I owe, and with account being overdrawn already, most likely these charges will be denied and I will also get a fee for failed transaction from other institutions like XXXX, and XXXX. And Citizens is not going to cover those fees even though it is their fault. But most importantly I have a doubt now that the money will be ever returned. This bank is the worse. I am also not able to set up payments under my account, I have to use my husband 's login, but this is whole other story for a different complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 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: SC

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

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 2024-06-03 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: NC

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 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 2024-06-03 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: NC

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 non-monetary relief
Consumer complaint received 2024-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
-CITI checking account opened on XXXX XXXX XXXX XXXX Paycheck Direct Deposited on XXXX XX/XX/year> -Due to being in the middle of transferring banks and having auto bill pay setup at old bank, setup a wire transfer on XXXX XX/XX/year> to send the money from my new account at Citi to my XXXX account. 
-Notified on XXXX XX/XX/year> that the wire transfer did not complete -Called customer service over XXXX times with over XXXX hours on hold on XXXX XX/XX/year>. Was informed my account was closed, not given a reason, and that my funds would be mailed to me within 60 days. I asked why my account was closed with no answer. I asked if I could visit a branch ( closest is XXXX hours away ) to receive my funds in person and was not given an answer.

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 2024-06-04 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: DE

Complaint narrative:
I would like to inform the Credit Bureaus once again that I have been a victim of identity theft and am requesting the removal of the fraudulent items from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are required to remove any items listed as resulting from identity theft. Below is the list of items I need removed. 
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 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 non-monetary relief
Consumer complaint received 2024-06-03 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: MA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I financed my vehicle on XX/XX/XXXX. My vehicle was repossessed in XXXX of XXXX. Santander Consumer USA continues to report false information about this account to the credit reporting agencies. I have asked all three agencies to verify that the information being reported to them was complete and accurate. Their response of XX/XX/XXXX was that the information provided by Santander was verified as accurate. Santander claims that the date of my last payment was XX/XX/XXXX, which is inaccurate because my vehicle had been repossessed by them a year prior. They also claim that I have a past due balance of {$7600.00}, which is inaccurate because the vehicle was repossessed and shows as a charge off on my report. The XXXX monthly payments I missed in no way equal that amount. They claim that I made a payment in XXXX and XXXX of XXXX for the same amount, {$1700.00}, yet my balance never decreased in XX/XX/XXXX. 
I understand that Santander has had a class action lawsuit against them for this very behavior, yet they still persist to report incorrect information to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Early Warning Attn : Consumer Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX XX/XX/XXXX RE : XXXX Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXXXXXX included in the file Early Warning Services maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a XXXX  Account XXXX on XX/XX/XXXX. 
I am unaware of ever having a XXXX Account Fraud from XXXX  XXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this XXXX Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney Generals office. should you continue in your non-compliance. further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX, XXXX. XX/XX/XXXX. XXXX ), you XXXX be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
My Complaint is with all 3 Credit Bureaus TRANSUNION XXXX XXXX XXXX They all have me at a XXXX XXXX @ XXXX instead of the Standard XXXX XXXX XXXX. 

I PAY ALL MY BILLS MY HOME XXXX CARS XXXX BILLS XXXX CREDIT CARDS ARE ALL PAID XXXX PAID FOR YEARS ON END YET THEY LOWBALL XXXX BLACKBALL ME @ XXXX INSTEAD OF THE STANDARD XXXX. 

What these Credit Bureaus are doing to me is Wreckless Illegal n Extremely Discrimintory. I'm XXXX XXXX XXXX not XXXX. 

Any Help I can get to Resolve this in good faith is Greatly Appreciate. 

Regards 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 2024-06-03 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Forever 21, XXXX XXXX XXXX  and multiple credit card companies have been calling me asking me to pay debt that was accrued due to identity fraud. My mother opened multiple credit cards in my name and never paid off the debt. I have told this to multiple credit card companies that call me and think still think Im liable to pay debt that is not rightfully mine. I have even made a police report about my mother committing identity fraud and opening credit in my name. She used my name and fake birth year to act like I was legal to get a credit card and never paid the debt off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
fraudulent inquiries on Transunion report XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I contacted Synchrony Bank on XXXX XXXX XXXX due to the " Important Changes to Your Account Terms '' notice. It stated that as of XX/XX/year> there w/b changes to the Promotional Fee and the Returned Pymt Fee could increase to {$41.00}. I noticed in reading further that additional changes related to receiving a paper statement would be charged in the amount of {$1.00}. I had never heard of such a charge and thought that it was unconscionable... forcing customers to receive email statements who might not have email, the elderly and those without computer access. Customers who signed an agreement prior to this change should be grandfathered in, receiving the paper statements without charge. Doesn't seem reasonable for a charge to be announced midstream. I have tried to receive statements via email from other providers and went back to paper because of the ease of loss within a mountain of emails.

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 2024-06-03 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: IL

Complaint narrative:
I previously submitted several disputes with Experian regarding a XXXX credit being reported on my personal credit profile. After investigations, I received responses indicating that Experian refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for these XXXX XXXX  accounts. I believe it is essential for me to receive this documentation, as it is my right to verify the legitimacy of these accounts. 

Without this proof of authorization, I insist that these accounts be promptly removed from my personal credit report. However, Experian consistently refuses to remove them and provide me with documentation from the creditor. I did not apply for these XXXX XXXX, nor did I benefit from them. I did not authorize anyone at the business to apply for a credit card in my name, nor did I sign any credit card agreement. I no longer work for the company and am asking that the creditor provide proof that authorization was given by me to open these accounts in question. They are violating my rights. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) - Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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