vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiry from XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX  on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from EXPERIAN XXXX XXXX  on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiryon my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 explanation
Consumer complaint received 2024-07-25 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: MS

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was negative XXXX when I had a positive balance of XXXX so I canceled a charge from amc of XXXX to cover the negative and when it posted I'm still negative XXXX which made me invested in learning how much more money is being stolen from me and the amounts don't add up in the app at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
Received a bill & threat of charging high amount of interest & fees until paid from XXXX XXXX XXXX XXXX. Called XXXX XXXX and asked why was this bill all of sudden sent to me and what is it for? Her response was you have to talk to Meridian Financial Services , Inc. and that she would not talk to me about the debt and hung up. I called Meridian Financial and said what is this bill about and he said you owe money and hung up. Received a letter from Meridian dated XX/XX/XXXX. I responded to the letter that I want to dispute the debt because this is not my debt sent to Meridian by certified mail and Meridian signed received on XXXX. Meridian Financial Services , Inc. reported to credit bureaus prior to XXXX even though their letter to me stated that can dispute debt by XX/XX/XXXX and will stop collection until we send you that 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 explanation
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was gifted AMEX Rewards Cards from my Employer. XXXX cards total. The card specifically states it can only be used online as it is a virtual card. No merchant will accept the payment? 
Card # XXXX : XXXX Card # XXXX : XXXX Card # XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, my Chase account was locked for suspicious activity. I called Chase to find out that an individual by the name of XXXX XXXX XXXX and someone representing themselves as me went into a Chase branch in Indiana and opened an account in my name, with XXXX XXXX as a co-signor. They proceeded to open an account in my name, link it to my existing profile, and were able to transfer funds around and ultimately into the new account that they opened, and withdrew money. I believe the final amount missing is {$23000.00} ; they also obtained access to one of my credit cards and spent nearly $ XXXX in expenses. I have been reimbursed for the credit card transactions, but am missing the {$23000.00} from my checking account and joint account. Unfortunately, Chase has been horrible with this ; transferring me to various parties, no one having the facts, not assisting, and there's very little being done, nearly XXXX weeks later. Additionally, the Chase branch clearly has very little security measures, as my ID is on file ( Illinois drivers license ) and the perp brought in a fake MN ID, and was of a different race. Clear mis-match.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I received a call from Santander ( XXXX ) on XX/XX/XXXX stating that there was fraudulent activity on my checking account. I then saw many fraudulent transactions from XXXX, XXXX, and XXXX XXXX, so I believed this was a legitimate call, especially since it came from Santander 's actual number - the XXXX minute call log is attached. 

The caller XXXX claimed they were a fraud investigator with Santander, badge # XXXX. He seemed very legitimate and professional as he was calling from the Santander number and knew my personal information such as my home address and account number, and my recent transactions. He had me transfer my money into my apple wallet in XXXX transactions ( {$1700.00} & {$1100.00} ) and then into a XXXX account in XXXX transaction ( {$2800.00} ) to protect my funds from future fraudulent purchases, stating that Santander would transfer the money back into my account after their fraud investigation. He had me delete the XXXX from my wallet after the fact, and I regretfully did not write down the bank account number. I now realize this was fraudulent, but it was very convincingly Santander at the time. There is no money in my apple wallet as he had me instantly transfer it to the XXXX account ( transaction attached - transaction ID : XXXX ). 

I opened a claim with Santander the following day XX/XX/XXXX ( # XXXX ), but they denied my claim. I followed up with them this morning XX/XX/XXXX to reopen the case but haven't heard back. I then got in touch with an Apple Cash agent on XX/XX/XXXX, who put me in contact with an agent at XXXXXXXX XXXX XXXX, who are in charge of XXXX XXXX. I was hoping to get more information about the fraudster 's XXXX account, but they did not provide me with any information. 

Santander did not do a good job protecting me from fraudulent activity. I do not know how the fraudster accessed my information as I did not lose my debit card or share my card/account information with anyone. I should not be held responsible for this fraudster and should receive my {$2800.00} back from Santander.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
On XX/XX/2024 I received a phone call from phone number XXXX, the guy failed to say his name, but had to make sure he said the call was being recorded 2 times. The guy then went directly into that i owe money and didnt give me a chance to speak. When calling consumers to collect a debt, a consumer debt collector like this guy, is REQUIRED to read the mini XXXX for a debt collection. That was not done. He failed to verify any information. To start off, i was contacted months ago ( dont have the exact date, but i can locate it if needed ) and i had informed CBE Group to only contact me via mail.

Violations # 1. Failed comply with my communication method, went against my only to be contacted by mail, and then only called my work line, zero attempts made to my personal cell phone, direct call to my office line, again months AFTER i said to not call me phone.

# 2. Failed to read the mini-miranda, which is required to be read upon the initial contact to collect a debt.

# 3. Failure to provide proof of debt or verify i am who they need to speak with.

# 4. Manager of call center REFUSED to provide attorney information once i informed him of the violations. He hung up one me instead of addressing anything. 


***I have the call recorded as well, and plan to file suit against each violation if this matter is not resolved immediately.

Company response to consumer: Closed with non-monetary relief